I am working to start a new small business. The lending institution naturally wants to secure the SBA loan with a lien on personal property owned. The appraisal company came in over 100K lower than expected explaining that the improvements to the land are only worth 2K. The improvements are a 2000 sq/ft home and a 2000 sq/ft work shop for a professional knife maker. Bank says there is not enough value from the appraisal to support the banks position. How do I go about disputing the appraisal?