
Ivan meets with Gina, a loan officer at L&S Bank, about getting a loan to start a new coffee shop. When Gina reviews his financial forecasts and suggests some changes, Ivan is angry at first but then decides to go along with it.
Ivan: I 'm here to see about getting a $ 100,000 loan to start a Coffee Shack franchise.
Gina: I see from your application that you've already got two franchise businesses under your belt — both Subway sandwich shops. That's certainly nothing to sneeze at.
Ivan: Thank you. Now that I know the franchise business inside and out, I'd like to expand.
Gina: Well, Subway is a sandwich shop. Now you're talking about a coffee house. That's an entirely different animal.
Ivan: Sure, there may be a thing or two to learn, but it should be more or less a no-brainer.
Gina: I see from your business plan that you're basing all of your profit estimates on the profits you made from one of your Subway shops. I don't think that's right. You're comparing apples to oranges.
Ivan: Apples? Oranges? I didn't know we were talking about fruit now. Maybe I should open up a fruit smoothie shop instead!
Gina: Ha ha. Well, at least you haven't lost your sense of humor!
Ivan: Well, seriously, what do you want me to do?
Gina: Go back to the drawing board. Make some new calculations based on selling coffee, not sandwiches. Then the loan will be in the bag.
Ivan: If you're going to make me jump through hoops to get this loan, I'll just have to take my business to a different bank.
Gina: You're missing the point here. I'm not trying to make your life difficult. I'm just suggesting you beef up your business plan so my boss will approve your loan.
Ivan: Well, in that case, maybe I will go back to the drawing board.