Every business needs thrift every now and then
Businesses are always prone to recession; many problems can strike a business and affect its cash flow. Cash flow is life of business, and insufficient cash flow could mean bankruptcy. Money starts a business and money is what keeps it running. Businesses are supposed to generate money with which they run and earn profit for the owner. Banks are the places where extra funds can be gained when needed; which is usually at the start of a business and during a recessive session of the business.
Banks are friends with benefits
If good relations are maintained with a bank, bank is more likely to allow grants for the business. Banks only allow grants with contracts. You can only use the money at places you prove before the bank that could allow you to earn back. The bank actually, is investing in you and thus evaluates if they are investing in the right thing because they want to play safe-sided.