If u are a beginner or a startup it will be hard for you to get capital from bank. Bank offers loans to business who has sustainable profit or income from the business.
Secondly, some direct financing companies have low rate of requirement in terms of borrowing amount. But they still look for cash inflow. They generally want to see the bank statement of past few months.
Well, I would agree Tirthankar the same, I would add a little more that is the rate of interest varies from bank to bank and therefore you need to compare and get them. Another thing is that u need to have valuable asset equivalent to the loan taken. If in worst case, you can pay back the loan with this.