search: Business Empire MagazineIt wont let me put a link but they have a lot of useful information related to business that should answer your questions.
      Answer1:Put up collateral having the value of the loan you seek.
      Answer2:Rather than view it as negative, turn it around and view it as an opportunity to create a management tool. If it is too onerous for you perhaps you should rethink your goals.
      Answer3:An established business should have a business plan. You should be able to use that. Just add your own plans and changes to it.