COMMERCIAL BANKS To secure a bank loan, entrepreneurs typically have to answer a number of questions 1. What do you plan to do with the money? Do not plan on using bank loans for highrisk ventures. Banks typically lend only to the surest of all possible ventures. 2. How much do you need? Some entrepreneurs go to their bank with no clear idea of how much money they need. All they know is that they need cash. The more precisely an entrepreneur can answer this question, the more likely the loan will be granted.