A call from Balboa Capital. We did not answer and the call went to Voice Mail. Surprisingly the salesman left a message.. I will say this, he was courteous in giving the name of his company and a (slightly long) statement of the financial products they offer small businesses (direct lending, etc.). He spoke clear American English without a hint of high-pressure. I would never knowingly do business with a firm that resorts to telemarketing, but it was a nice change from the typical hang up.