Banker: Welcome dear customer how can I help you. Client

Banker: Welcome dear customer how can I help you.
Client: I need a loan What loans do you have in your bank
Banker: We have loans for small business, medium business and education
Client: I need a loan for a small business
Banker: Why do you want to get a loan for a small business
Client: To purchase construction equipment
Banker: Would you like to know that we have a loan at 22% for 5 years?
Client: Yes I liked it. What are the conditions on my part
Banker: The building will be mortgaged. In addition, you pay an initial down payment of 10% of the loan amount.