Thing is, I want to be straight-up with the bank. No plans of fraud on this one. I was hoping that I could only go into a situation where one can draw the line as far as what is to be put up as collateral.

BTW: if I have $50,000, how much is the bank willing to give? My experiences in my business, in which we also loan money to customers, is that we generally need a 50% bank guarantee for the sum being loaned. (Answering my own question of $50 would mean that I would be able to take out $100 with no prob.)

Enjoy the holidays!