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.
Carl meets with Westly Parker, vice president of Brea Federal Savings, who promotes him based on his excellent performance as a loaner. The bank traditionally doesn't give out micro loans, but their repayment rate is extremely high, and the bank benefits as a result.
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.