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Frankly, if they're prepared and know what they want and can demonstrate understanding of those requirements, it's far more impressive when they explain with clarity the purpose for which the money is required. It is essential that they're confident, not brash, just confident - usually the sign of someone who is well prepared. But the individual alone isn't the only important factor. The business itself clearly is extremely important, in deciding whether it can provide the means of repaying the money that it's borrowed. A quality business plan should be capable of demonstrating this. It should include the details of the business structure as well as financial information. It's often clear that logical thought processes produce good financial structures.