He sat down with Patty Mack the banker, and began the negotiations.
His credit score wasn't bad, but when it came to the subject of collateral, he was a little unsure. Collectables and other odds and ends were all he had to offer.
Patty was not convinced. No car? No property? Little credit? "Times are rough..." she started to say, when her manager stepped up to her desk, and asked what the problem was.
She handed him his paperwork, and after a few minutes browsing, the manager raised an eyebrow and lowered his glasses.
"He has knick-knacks, Patty Mack, give the frog a loan."
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