My clients are business owners and real estate investors or builders/developers. The need to borrow is key topic obviously but what product we use is dictated by the situation. An investor that wants to do a fix and flip is different from a retail investor looking for cashflow. The products are different and the clients are appreciative when we show them that we understand their situation and have products that help them achieve their goals. 

In my business the situation we deal with might not call for upgrade but identifying the right product and sharing with the client how that product works for their situation will always get results. Many business owners don't always know the various products that can get them to the finish line. Clients may ask for a term loan but need equipment financing, ask for working capital but need accounts receivable financing. Helping them know about these products also helps their business operate more efficiently.