* A lack of solid research on the need for their product or service.

* Inexperience with their product or service.

* A wordy, unwieldy business plan.

* An overall lack of professionalism, including personal appearance.

* An unwillingness to assume financial risk – putting your own money where your mouth is.

A business borrower has to show that he’s invested his own money, and perhaps that of family and friends, to get his product or service to the point where Cupertino loan service is needed for the next stage or development or sale. If the borrower won’t assume the risk, a lender won’t either.

Preparation is the key. Come to the meeting with a thorough summary of the business, including accounts receivable aging accounts payable aging, equipment and real estate appraisals, personal financial statements and both past and predicted company financial statements.

You must have a game plan that starts with the executive summary, which turns into a PowerPoint and closes with Cupertino loan service statements and forecasts. So bring your best business ‘resume’ and give yourself a chance at success.