Most places have some flexibility. Potential lenders appreciate that you are thinking about paying them back instead of just getting the money. Needless to say the better dressed and neater appearance you have at bank meetings will reflect positively. Virtually all lenders will do a personal and corporate credit check through TRW or other means. The best way to a lender is by a referral.
Lending is a people business.
Have your CPA or attorney or friend introduce you to a lender. After You Get the Money Getting the money is only the first step. A good customer sticks to their agreement. Make sure you understand the requirements and perform to them as much as possible. In a business relationship, they will ask for regular financial statements, which you should produce on time.