This script is designed to make you sound like a sophisticated borrower who understands Wyoming entity law, which usually gets you transferred to a decision-maker quickly.


​The Pitch



​”Hello, my name is [Your Name], and I’m calling regarding a commercial banking relationship for my Wyoming-based corporation.


​We are currently restructuring some internal debt where my Wyoming Statutory Trust is providing an unsecured, subordinated loan to the corporation for working capital. We are looking for a bank that is comfortable managing accounts for both a WST and a Corporation, and specifically one that understands how to review these types of shareholder-backed loan structures for future traditional lending opportunities.


​Who would be the best Commercial Relationship Manager to speak with about opening these accounts?”





​Why this works:



  • ​The “WST” Mention: Mentioning a “Wyoming Statutory Trust” immediately signals that you aren’t just a “hobby” business; you have a formal legal structure.

  • ​“Unsecured and Subordinated”: This is music to a banker’s ears. It tells them that if the bank eventually lends you money, the bank gets paid first (the bank is “senior,” and your trust is “junior”).

  • ​“Future Traditional Lending”: Bankers love “deposits today, loans tomorrow.” It makes you a high-value prospect.


​Your 2026 “Cheat Sheet” for the Call


​If they ask what kind of interest rate you are charging the corporation from the trust, you can use these current market figures to justify a higher rate:



  • ​Current Prime Rate: 6.75% (as of April 2026).




  • ​SBA Benchmark: Current SBA 7(a) loans for small amounts are currently capped around 12.75% – 14.75%.




  • ​Your Justification: “Since the trust’s loan is unsecured and has no collateral, we’ve benchmarked the interest rate at [X]% (e.g., 10% or 12%) to reflect a commercially reasonable risk premium, similar to an unsecured SBA or mezzanine loan.”


​Final “40-Minute” Warning:


​When you call, the receptionist might try to send you to “Personal Banking” because you mentioned a “Trust.” Politely decline. Personal bankers handle family inheritance trusts; you need a Commercial/Business Banker who understands “Statutory Trusts” used for business operations.


​Do you have your corporate bylaws or operating agreement ready? The bank will definitely ask for those to verify who is authorized to sign for the loan.