#1: Viability of the business and its repayment capacity
#2: Surplus operating cash flow projection sufficient to service/repay loan within the agreed tenure
#3: Conduct of existing account is satisfactory
#4: Acceptable Gearing ratio (i.e. % of loan to networth)
#5: Good business/industry outlook
#6: Capability of the management/borrower
#7: Make a presanction visit and is satisfied with the operation of the business
#8: Joint and several guarantee of directors
#9: Any form of acceptable collateral