Bankers judge you on your financial performance. No matter what bankers may say, the first thing bankers look at is the annual profit shown on your financial statements. This is the benchmark of your success in their mind. Get your profit as high as you can before you meet with the bank. Recast your earnings to show the bank your maximum earning power.
Bankers understand that loans have to be repaid with cash generated from profitable operations.
Bankers want to see specifically what you are going to do with additional funds. Show the bank exactly how you are going to use their money. Explain how you are going to use their money to make more money. Demonstrate to the bank why your use of their money makes good business sense. Bankers like to loan money when they are convinced your use of their cash will generate more cash for you.