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Lots of people have good ideas. However, not all of these ingenious thinkers have the money to get their idea going. Christopher Columbus had his proposed route to India financed by Spanish royalty. Reagan funded the Contras. To get a business idea off the ground, you need cash to pay the bills. Banks are a good place to look for financial backing, but only if its a good deal.
Banks are more than willing to loan money to individuals or companies who approach them, but the idea had better be fool-proof. Banks want to be 99.99% certain they are going to get their money back.
For example, a playwright wants to produce a play. He goes to the bank and asks for $5,000 to put on his show. The playwright has never been published before, he is renting a small stage in a small town nearby, and has not planned an advertising budget. The bank manager will probably roll his eyes and send the playwright packing.
However, if John Q. Playwright comes in and says he wants $5,000 to produce a never-before-seen play and shows the manager the script, his business plan for advertising the show, a schedule of costs including rehearsal and performance space, lighting, props, printing, etc, the bank manager may be more inclined to finance the show.
A good deal is where both parties walk away happy. If the bank feels certain they are making a good investment in your idea, they will support it. Make sure you have thought out all the angles, then go for it.
