For your business to grow, you have to have the ability to borrow money. You can finance expansions, launch new products and contribute funds to joint ventures. If you understand how lending works, when you approach a banker with a solid proposal that addresses her financial concerns, you stand a better chance of getting financing. Make sure you understand the value of sales projections, collateral, your business credit rating and market research before you approach anyone for a loan. You'll be able to speak their language.