Try not to borrow through unusual entities. Personal revocable living trusts are a problem. Irrevocable trusts are very difficult. Corporations with minority shareholders cause concerns. Corporation financial statements often need explanation.
Pension plans are especially difficult.
They raise concerns for the bank that it has a good lien on all collateral. It gives the lender foreign law concerns and extensive monitoring problems. Send your personal and corporate financial statements and tax returns to your banker promptly without being asked for them. Update the documentation package for your banker periodically. Meet periodically with your loan officer to review financial results and projections.