Write a letter to the bank explaining five things about yourself that would make you a good borrower. (the letter can be dated 10 years in the future to describe what you plan on becoming.)

To: (Name of Bank)
Re: Personal Loan 

I would like to personally introduce myself to your good office, my name is, , and I am here to ask for a personal loan/credit from your bank.

I am currently engage in a start-up business that would greatly benefit the people of my community. I am selling , so that the economy of our population and the lives of the people who are in it would very much improve in a long-term basis. 

Allow me to briefly explain how I can be a good borrower: 
1. I am very much well-driven to finish a task that I have started regardless of the challenges facing me.
2. I am willing to diverge parts of my company shares should I not be able to meet the deadline of my said loan.
3. I am willing to pay the said-debt within a 10 year period given the interest conditions that your bank would allow for credits like this.
4. I would be very much willing to uplift the lives of other people with your help.
5. My current financial capacity/background is proof that I can be a borrower.

Athe rate increases as income increases