Kevin asks Oscar questions about how he can use the money received from a loan, and Oscar states that it would be fraud if he didn't use it for the stated purpose. Kevin visits the bank to get a loan for his ice cream store, but he is turned down because his business plan is not convincing.
Barb Kelner visits a bank to apply for a business loan to start her pizza eating business. She doesn't have a written business plan nor a compelling business opportunity but tries to persuade the banker to write her a check.
Turtle asks for business advice from Ari, and Ari gives him honest feedback from an investor's perspective. Ari stresses the importance of creating a business plan and convincing others that you are able to execute on the idea. Ari's advice covers key elements of a business plan, such as growth projections, cost analysis, and breakeven analysis.