Probably, you don't want to get some money and then ay the end find that you cannot repay it. This can be very embarrassing. It also embarrassing when you find that you are struggling to repay the same loan. This might even make start doing other inhuman things like not paying your employees. However, no one would like this since your employees are everything. Again also, if you want to expand your business or organization and can see your current business developing at a high rate, you may want to get some cash elsewhere to accomplish your work. By look of an eye, you may misjudge the amount of money you can borrow and end up borrowing little money when your business can afford to pay double that.