For your business development proposals, bank interest order to make detailed and as realistic as possible. To prepare a brief introduction materials, but comprehensive, with this in mind: business development goals, targets and asset sales growth is expected to be in the description in detail the factors to achieve the goals, strengths, weaknesses, opportunities and the need to face them in the development of business plans and objectives of the work plan, explained that the business development of the parties for the use of credit schemes and repayment plan, you must meet before applying for credit in the commercial loan, you can get to the bank concerned about the completion date of other provisions.

For banks and other financial services, the customer will apply for loans must be subject to section 5c, namely:
1. Character, the commitment and track record you are.
2. Capital, how much personal money, you spend the development of business, pemodalan structure (how the initial paid-up capital and profits to capital accumulation), the commercial capital (shareholders of people who ensure that investors, ownership structure and whether investors have also become management companies), and capital assets, including tangible assets (land, buildings, machinery, stocks, etc..), and intangible assets (brand, reputation, reputation, etc.)..
3. Capacity, which is considered among other things: how sales trends (up, down, or stagnation), the cost structure (fixed costs, variable costs) to compare costs and income, debt and bills (large, small, or the equivalent), projection Cash flow (surplus or deficit), workers (permanent or contract, how to skills and experience), so production capacity (the amount of daily production, sales) is in accordance with.
4. Conditions. Including licensing, trade similar situations (if a little risk, medium or high), business prospects, competitive status (whether it is the market leader, market follower, niche market, or a single fighter aircraft), which is the most important: What is, or unique selling point (if a simple imitation or difficult to imitate, and to any place.)
5. Collateral. Is there a quick loan or commercial loan, they will ensure that, whether tangible (cash, inventory, equipment, vehicles, and of this nature is not fixed, such as land and buildings), intangible assets (personal guarantees, corporate guarantees, credit insurance , associations / cooperatives, guarantor, etc.)..