The appellants, James White, John White, and Thornton-White, Incorporated, appeal the order of the district court granting summary judgment on all their claims arising out of the financing transactions between the business the Whites formerly owned, Heyco, Inc., and the defendants, Commercial Credit Business Loans, Inc. (Commercial Credit), and its successor in interest, Marine Midland Business Loans, Inc. (Marine Midland).1 The appellants assert that genuine issues of material fact exist which preclude summary judgment on their claims for breach of contract, bad faith, fraud, duress, unfair trade practices, negligent misrepresentation, and civil conspiracy.2 Our review of the record in this case shows that while Commercial Credit had practiced forbearance in the past with respect to liquidation of overadvances under the financing agreements between it and Heyco, Commercial Credit was in fact entitled, under the terms of the various financing agreements, to declare Heyco in default on those agreements and to terminate the financing arrangement. This right was exercised by letter of October 7, 1985, which specifically stated that Heyco was in default on the financing and other loan agreements and that Commercial Credit desired to end the financing arrangement at the earliest possible date. We conclude on the undisputed facts that Commercial Credit was entitled to declare Heyco in default; therefore, Commercial Credit and its successor, Midland Marine, did not breach the financing agreements. All other claims collapse for lack of such breach. The district court was correct in its decision to grant summary judgment on all claims in favor of the appellees. We affirm on the reasoning of the district court. White v. Marine Midland Business Loans, Inc., C/A No. 2:88-0392-18 (D.S.C. January 2, 1991).