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?