What are the vital factors banks managers will consider befor gianting credit facilities?

Bank Managers would always consider the following:
1. Viability of the investment (actual or expected turnover)
2. Economic value of the collateral to secure the credit facility.
3. Security risks of the investment
4. Possibility of negative effect from government policies in the near future for investment that can be affected by political reasons.
5. Your current net worth and ability to pay back.
6. History of financial performance of the investment