For example, buying a printing press will save money over buying printing if you spend a fortune on printing. Then the loan would make sense. However, if cash is short because you're slow to collect receivables, then the loan doesn't make sense. If you could collect your receivables faster, you wouldn't need the loan. This is a banker's measure of risk.
Bankers hate risk.
If you can show that the loan improves cash flow, so much the better. Sandbag your projections by just enough to assure that you hit your numbers . If you can hit your projections then apparently you understand your business and have it under control. You should have solid financials based upon conservative assumptions. Future projections should be conservative and show steady growth with profits over the next five years.