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Is there such a thing? What kind of requirements have been asked to get you approved for a loan?

Well I notice there have been 12 views on this topic and no replies yet. I'm wondering if that's only because there really aren't too many options out there. Please share with the forum members where one would start to look for financing.

Coming from a finance background I'm interested in knowing about which companies still offer decent commercial loans. From my understanding it has more to do with debt to income ratios based on tax returns you are able to prove and loan to value ratios.

Are there other requirements that I'm not aware of other than credit scores? I'm guessing that lenders are now looking at personal credit scores as well. I'm sure a low loan to value and debt to income ratios weight heavily in the final approval stages. Possibly the amount of liquid assets are also still important. What else is a considering factor?