Rain. Borrow a car from someone in the Cirque and I think you and your wife should have a talk with someone high up in Cirque management. Even I know it is a huge company and they may not know that this is happening. With a company that big, they can exert some pressure on someone at some bank, whatever bank the Cirque uses in the USA and things will change if someone is made aware and is willing to push a little. The banks have money, they just aren't lending but they will if they think they may lose good business. Sometimes things just have to work that way. You wife is a lead singer, they should listen if she talks, not just for you guys but as an advocate for both you guys and others who will run into this... and really... it is nothing to a bank, it is just something no one has pushed them to do.
I truly think that you and your wife can start something that will change this if you handle it right. It is wrong and needs to be fixed but it wont be fixed if the people who can fix it don't know. I really believe this. Besides, the worst that can happen is you can be told, "sorry, there is nothing we can do"... as long as you guys play on sympathy and don't project any anger. If you guys just stay like lambs in need of help you won't trigger a defensive reaction in the people who can, and will, help.
You are young but and you will be surprised what you can accomplish simply by trying. I have done things that were impossible, simply by trying. I'll give you two examples. When my kids were in middle school I decided I wanted to send them to The Darlington School about 30 minutes away in Rome, GA. Darlington is a high class boarding school with local "day students" also... however it is more expensive than a lot of colleges. We lived in a two BR, one bath home. The first home we owned, well we paid the payments, laff. IIRC, the payments were 384.00 a month. It was the 90s, I had started my own business in 1989, we were just getting by financially... still we decided to try to do the impossible. You see, most people would never have tried because frankly it was absurd to think we could pay over 20k a year in tuition. We really didn't have extra money but, well I/we applied. The girls were accepted. Then we had to figure out how to get the money... cbow got a job at the school in the office. At that point we found out that the first child could go for 50 bucks a year and the second for half price, which they would deduct from her salary. So, we did the impossible just because we tried.
Second was starting my business. Most people never try to start a business because they have no vision that it is possible for them... but I saw my dad do it, so I knew it could be done. I bought a used B&G spray gun, a plastic toolbox for my truck, a backpack sprayer, a container of chemical and I hit the streets. I made under 200 bucks the first month but I kept at it and it grew.
I guess what I am saying is that almost anything can be changed or done just by trying. Don't believe people who say it cannot be done, not even that inner voice that says, "I can't do that"... because you can do it if you try and have confidence. YOU and your lovely wife can change something that will help a LOT of people in the future. Pay it forward... make it happen.
You will also have something inside yourself after you get it done that will never go away and make even more things possible in your future.
Make some notes about what is happening, the important points about how the Cirque people are hitting roadblocks and maybe a few suggestions about how you think it can be fixed. You never know, the person who has the power to make it happen may not take the time nor have an idea of what to do unless you subtly point them in the right direction so that they have just enough direction to think that they thought of it. Getting a god result will also be good for the Cirque management who gets it done. Helping others always helps the one who is helping.
Make it happen Mr. and Mrs. Rain... you can DO THIS. Don't even entertain negative thoughts about it. Assume that it needs to be fixed and assume that if you work on it, it WILL be fixed. Again, you have the opportunity to not only help yourselves but to help a lot of others who will never even know about the trouble they could have had. Don't forget about rich and famous Cirque fans if management doesn't work out. Simply a word from some people will change everything for everyone. The bank should be treating you better but the right people just haven't been involved.
I hope this doesn't sound weird, I know I am weird sometimes but I REALLY believe in this sort of thing.
"Ask and you shall receive"... "you have not because you ask not"... Jesus
HTH,
Julien