Might be the private loan provider company can help you better as compare to
the bank. This is true that bank has got lots of terms and conditions as
compare to any other private loan providers.

All lenders look for more than one method of repayment. They first look to
business cash flow - if you pass that test then they look for at least two
other method of repayment - one is usually a lien on some property
(collateral) or on your entire business and the other is a personal
guarantee. Thus, if the first fails then they have some fall back. Do know
that banks don't want your collateral or to have to go after you personally
for loan repayment - it is very expensive for them to do it. But, they figure
that if you have a lot personally at stake - then you will be less likely to
walk away from your loan - they want to ensure that you will find a way to
repay and make it is your priority. Plus, their regulators also require them
to seek other methods of repayment as well as reserve additional money
against all loans for the possibility of loss (if they have a bunch of bad
loans, that amount goes up) - so, it is not just up to them.
I think you are one of the luck few since you can get them to look at your
deal in the first place. Just make sure that you pay as agreed and all that
other stuff will not matter.
Or, look for alternative ways to finance that only rely on specific assets
like accounts receivables or purchase orders. This way, you would only have
those assets as stake and you would only have to think about converting those
assets in cash to repay the debt. We have a lot of resources on our website
that expelain these and other alternative loan options as well as a free way
to search for lenders that offer these types of (and other) loans.