If you are going to take a loan from commercial bank to expand your business,

If you are going to take a loan from commercial bank to expand your business, what three things
you will consider most before borrowing?

Following points must be considered before borrowing
(i) Credit from a bank requires great amount of interest at the time of repayment.
(ii) If the amount is not paid the mortgage or security is in trouble.
(iii) It is a complicated process and takes too much of time and patience.