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And so, things like credit reports, background checks, you know, certificate of good standing with the state are all things you need to have in line before getting approved by the bank. okay. then just like any other time, going into a bank you need to have some sort of business plan, and show some sort of plan? especially for start-ups because they don t really have financial history so all the bank can use is your industry experience and your future plans. you really want to make sure you have a business plan in place, have three years financial projections, a monthly balance sheet and income statement. make sure you demonstrate that you know the industry. you studied competitors and also sources and uses. what i mean by that is basically a chart that shows what you re going to do with the proceeds from the bank. and then finally fill out up all of the application. people just forget to fill out one section or think it s not important. the bankers single biggest pet peeve is ....