When trying to get a loan, it helps to view things from the lender's perspective. Banks and institutions that lend money have a lot of knowledge about the success rate of small businesses.
Bankers are often overly cautious in making loans to small businesses.
For that very reason it makes sense to study their approach, even though it may seem discouraging at first glance. For an existing business, a cash flow sufficient to make the loan payments. For a new business, an owner who has a track record of profitably owning and operating the same sort of business. An owner with financial reserves and personal collateral sufficient to solve the unexpected problems and fluctuations that affect all businesses. He or she probably doesn't, which, of course, is the point.