First, set an appointment. Then write down why you need the loan and how much you need to borrow. Bring a copy of your business plan, including financial statements and projections. If you do not have three years of history with the business, are not making a profit, or don’t have substantial security to offer, be prepared to be turned down. Your SBDC consultant may be able to help you prepare for the appointment. If you are turned down, an alternative lender may need to be considered.