Take steps to encourage more timely payments from customers. All five of those bear on your ability and commitment to repay. Be prepared to make a case for your meeting each one. Notice that character was listed first. If the amount you need is more than a bank feels it can prudently lend, you may need to consider a fresh infusion of equity capital.
Equity financing requires no repayments and no interest charges.
The downside is that it reduces your percentage stake in the business, forcing you to share the fruits of your entrepreneurial efforts. Term loans usually run three to five years. A line of credit. With a line of credit, you draw what you need, then repay as cash flows allow. Because periods of borrowing are short-term, interest charges usually are lower than on term loans.