An innovative approach to starting a commercial finance corporation would be to take advantage of the banking sector’s current trend toward consolidation. As noted above, there are several banks that may not be sustainable under the increased capital requirements set by the National Bank of Georgia. This could provide an opportunity to work with the National Bank to sell the deposits of one or more of these weak banks including the franchise value of any unneeded branches, and convert the operations to a CFC. For example, Agro-business Bank has been for sale for over a year with.