I enjoyed this article and how the author illustrates the value in developing a proactive risk management plan in order to ensure that your bank continues to lend you money.
The author writes: Because if you have not addressed, in writing, the risks that are faced by your business, the bank will assume that you have not even considered these risks, or worse, that you foolishly think that your business operates outside the realm of risk. Make no mistake, the bank will identify the risks inherent in your business from their own perspective, but they are also looking to see if you have undertaken a risk assessment from your perspective in order to gauge whether or not your business is bankable.