Since the financial crisis of 2007-2008, the banks have adopted a much more cautious approach to lending. In all new lending cases they now look for adequate security for the loan, your ability to repay the loan over a period of time and your ability to repay if interest rates increase. Caution is now very high in their thoughts and you must be able to robustly demonstrate that you can meet all their criteria.
There are other sources of funding ranging from venture capital and crowd funding through to unsecured lending but all have a common feature – you need to demonstrate that you have a solid Business Plan and you have the ability to repay the lender.
The one requirement you must always have is a robust Business Plan before you apply for a loan. Nothing is guaranteed but without the Plan, you will not succeed in securing the funding you need for your business.