In most cases where third-party financing will be needed to complete the sale of a business, it will be the buyer who selects the lender and negotiates for financing. We mention the banker as a member of "your" team only to emphasize that it's to your advantage to cooperate with lenders as much as possible. Thinking of the lender as a team member may help you to share the necessary information and work with the lender to get the deal closed.