Lenders often refer their customers to the ASBTDC for assistance in preparing to apply for a small business loan. The ASBTDC uses a methodical, strategic, time tested approach in business planning. Typically, lenders want to see a business plan or loan proposal to make a decision on the loan. A lender may refer their customer for assistance in developing a business plan, loan proposal, or other information needed to apply for a loan. The lender may also feel as though you'd benefit from talking with someone about your small business questions, obtaining guidance on feasibility issues, or gathering information about the industry or market.