Write the next sentence in the following story.

How to apply for business loans
Understand your needs.
One of the biggest difficulties that people run into when applying for a business loan is not understanding what they need. Before you ever even fill out the application, have a firm idea of how much money you need in order to do what is necessary for your business.

pick from the following.
(I). Make sure you know your potential financial cost before you even begin planning a business loan. The trouble will be more if you don't properly estimate the loan amount before you begin applying for it..
(II). Many individuals do not know their need for basic things like feeding a dog, sanitation, and delivery jobs. Even in the great recession, a small business would have countless needs that had not been met..
(III). Knowing what you need will help you be prepared to help people who need it look professional. Work with business leaders and staff to discover the best way to make money on your loan..
(IV). This will also help the loan to go through smoothly, and you may even find that you are able to get more money than what you actually need. It is always good to have a starting point, however, so make sure that you take this step before you begin... The answer should be
(IV).