Well assuming you have a sound business proposition, your strategy is well thought out and you have developed a business case then in my experience I would recommend:
- understanding the numbers backwards, forwards and upside down. You must know CASHFLOW (so you can survive) as well as P&L (so they know the business model is sound)
- knowing what the key financial levers are, what the risks are with those and what your risk management strategy is
- having a cash flow forecast of varying granularity over time ie weekly for first 3 months maybe, then monthly for 18 months then maybe quarterly up to 3 years
- knowing exactly what you want the money for and why you are a good bet for the bank.
Prepare (or bribe someone else to do it for you) and nicely printed pack of text explaining your business, some charts showing financial trends over time and some excel sheets with the numbers.
I know it probably sounds a lot of work but it will be worth it to clarify your thinking and may give you teh edge when it comes to increasingly cautious banks.
Good luck!