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But a $328 million loan from Wachovia, a frequent lender to Mr. Moinian, for 180 Maiden Lane in Manhattan's financial district comes due in November and could be difficult to refinance, said Robert M. White Jr., the president of Real Capital Analytics, a New York research company.
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Nor does it require reciprocity, though frequent lenders get a boost in the queues for popular books.
Before the financial crisis, the housing market was booming, sales were frequent, and lenders were keen to advance individuals a mortgage.
Mr. Harte said he is in frequent contact with lenders, including Credit Suisse.
But the process of being in close and frequent contact with your lender and willingly sharing information about your business can help build trust with your lender.
Ronald Burkle, a supermarket tycoon, is another frequent travelling companion and airplane lender; Burkle made Clinton a partner in one of his investment funds.
If there are frequent deposits to your account, lenders might take that as a sign that business is good and you have a healthy customer base.
More frequent defaults seem to have forced lenders to raise their rates.
Citibank, which issues a credit card tied to American's frequent-flier program, would be the lead lender.
The frequent borrowers accounted for an even larger part of lender profits because the marketing expenses of payday lenders is focused on getting new clients.
Lender marketing materials offer incentives to promote frequent loan usage, such as discounts to promote repeat borrowing.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com