I must say that I was treated the same way by Wells Fargo. I am a new business owner and was one of the first to apply that Saturday morning when WF finally opened their online tool. A fellow franchisee who has been in business for over two years and applied with WF roughly three hours later than me, already had his loan the following Tuesday. I didn't receive any funding in the first round, nor the second through WF. Luckily, I turned to a small local bank and have attained an ETRAN number from the SBA. Shame on Wells Fargo and the other large banks. I have started transitioning my banking to locally-owned banks, such as QNB and Univest and hope others will follow and show these mega banks that the customer is king and we small businesses have made a choice.