"One of our best marketing weapons is lunch," says Louis J. Cappelli, chairman of $550 million-asset Sterling National Bank in New York.

"Every day John C. Millman, our president, and I have lunch with lawyers, CPAs, and heads of businesses seeking credit in the $250,000 to $10 million range, right here in our dining room. They talk about themselves and their businesses. And most of the time, within a week of inviting a lawyer or accountant, we get a deal."

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