单选题 《复合题被拆开情况》 When applying for a first-time business loan success is not guaranteed. Before you apply, make sure you understand the process of how to get a business loan. Here are a few factors that banks and other lenders look at when they’ redeciding whether or not to issue a loan to you business. Time in business If you have just recently started your business, you might have a hard time getting a conventional loan from a bank. Many banks want to see at least 2 years of time in business and previous business tax returns from your company. Credit scores—business and personal Banks will want to look at your credit history for you as an individual and for your business. If you don’ t already have a business credit score, you might be able to apply for a loan based on your personal credit score alone but it’ s better to have both. Business plan Having a detailed written business plan can help you get approved for a first-time business loan. A good business plan is not just about marketing and mission statements; it’ s about showing lenders that your company has big potential for future success. Business cash flow Hopefully your business is already making money. Lenders will want to see your business’ s sales receipts, sales projections(预测) , and other financial records. This will help potential lenders assess your cash flow and decide whether or not your company is likely to generate enough revenue to repay the loan over time.《问题》：The passage is mainly about how to________.