Banks don't want non-financial issues to cloud anybody's judgement.

That is a big mistake. Bankers want to know specifically what you are going to do with additional funds. Here you have another opportunity to set yourself apart from the competition--and you are literally competing with other borrowers for the bank's funds-- by showing the bank exactly how you are going to use its money. You are going to use its money to make more money. All bankers are capitalists or they would not be in banking. They want to see their capital grow and make more capital. Show the bank why your use of the money makes good business sense.

To do this, you need to develop a pro forma that projects your financial statements out over the next three to five years, depending on the term of the loan you are requesting. Lenders want to see a documented, believable future that puts their money to good use and shows them how they are going to be paid back. Show the banker how you are going to use his or her money to increase profits by opening up new global markets where there is a demand for your product or to introduce new products. Whatever it is, be specific.