They also look at a company from a deliberately pessimistic point of view to minimize the risk, so you must have good answers to their questions to demonstrate that you understand the issues. The old saying is that bankers will give you the money when you don't need it. When you completely let go of something, it comes to you and you have it. When you don't need money, bankers seem to want to give you money. That's the way the world works.
Nobody wants anyone who's desperate.
So, the more you try to get bankers to give you money, the more they don't want to give it to you. Let's look behind the scenes. Remember, in business you have to make up any losses from profits, not sales. So if your loan goes bad, that means they lose the equivalent of all the profit they would make on five million dollars worth of loans they've made elsewhere. Now you can imagine why they scrutinize every loan.