> you can get it as long as you don't need it There's another explanation for the statement above. The more you need the money, the grimmer the outlook is from

> you can get it as long as you don't need it There's another explanation for the statement above. The more you need the money, the grimmer the outlook is from the lender's perspective. So you're much more likely to secure capital/loan when you are already financially secure then when you are extended almost to the limit. And this is true regardless of the domain. You give the money to make money so you're looking more at "sure wins" and less at risky bets.