I picked up. A lady with a New York accent offered me a business loan. I told her I wasn't interested in taking out a loan. She thanked me for my time, said have-a-nice-day, and hung up. (Wow, that was easy.) She was pleasant and not pushy like most telemarketers are. But I am on the DNC, and why would a lender want to lend money to someone with lousy credit (me) unless it's a bad deal or a scam?