It's not about the metrics. It's not about the traction. It's about the way you present the narrative. 

The best time to get available credit is when everything is good. 

The lesser the valuation, the more shares you have. I think you should always use OPM. 

Other people's money. People buy feelings. 

They buy into how they're going to feel. 

Don't come to the bank asking for a loan and you're negative everywhere.

On paper, you don't make any money. How much did you bring home? 

You have to sound like you know what you're doing and have your finances together. 

Your personal credit is so important because you will be guaranteeing most, if not all, of the loans.