Successful business people take reasonable and prudent risks, but the above scenario involves serious uncertainty. Business people expect to make a profit and be paid for their products in a timely manner. Otherwise their businesses won't succeed. Now alter the above scenario. I need it right now but have no money to pay for it and no collateral, but trust me.
Bankers sell a product just like any other business.
Their product is the money they lend, and their profit is the interest they charge. If they perceive a significant risk involving the loss of their product and the accompanying profit, they won't loan you their money. Therefore, your strategy should be to mitigate any perceived risk before you ask for the loan. You can't just tell bankers you will run your business well, you must show them. For a start-up business this may mean securing equity capital first, then achieving modest business results to show your loan officer before asking for a loan.