Don't wait until you need money to begin a relationship with a bank. Meet with your bankers. Invite them to your office. Share with them your vision of your business future. Don't stretch to impress. If the net value of your business is minus $10,000, show it to them and tell them why. Talk about how you are going to turn things around. (This is much, much better than hiding the negatives and being forced to go - hat in hand - to them later.) And to really knock their socks off, present them this packet of financials. Offer to update these every quarter. Come the day when you need some capital, you'll have the inside track.
For your banker, prepare the following reports:
Profit & Loss Statement report
Profit & Loss [With Last Year] report
Profit & Loss [Budget Analysis] report
Balance Sheet report
Receivables Reconciliation [Summary] report
Payables Reconciliation [Summary] report