The bank requires a detailed understanding of the lender's use plan for all loans and the proportion of loans used in fixed assets and current assets. The person in charge of the bank is very concerned about whether the loan can be properly used for the lender's career and wants to make a judgment on this. If these problems are ignored, it may cause trouble when additional loans are needed in the future.

Entrepreneurs must consider all the possibilities of increasing expenses and the possibility that the sales revenue closely related to the financing plan will not be recovered. Therefore, the detailed cash flow forecast table must specifically reflect the use of funds. In addition, it is necessary to explain the reasons for expanding the market and increasing output, as well as possible problems.

When negotiating loans with banks, in order to achieve the purpose of loans, it is necessary to increase sales and improve the work plan. Generally speaking, banks can also provide liquidity loans for the sales and production of enterprises, because the tangible assets of enterprises (factory buildings, equipment, sales funds) can become guarantees.