Bring your accountant if you need help. Be prepared to tell them what you need the money for. We earlier described a number of different purposes. Give them some detail. Propose a repayment plan.
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.