Lending money is their job. They are looking for good loans, but they want some assurances of return. Be prepared to go into detail about what their money will do for your business and why you believe it is a good risk. Your cash flow projections will indicate the time it will take to pay back the loan with interest. The length of time it will take you to pay back the money will help to determine what kind of a loan you are seeking.
Loans have to be paid off at predetermined times.
This is what is called collateral. Sometimes banks require an abundance of collateral. Bankers are in the business of warding off risk. This makes them inevitably skeptical. You should develop a back-up plan for paying back a loan if your plans do not work out before you seek your loan.