Have you ever needed to take out a loan for a business idea you had?

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When it comes to starting out a business, some people may already have the funds needed to get started but others will have the idea but not the funds to start. This is where a loan could come into place for you to start your business. Obviously to be able to get a loan you would need a business plan and a plan for the future so that they can see what you plan on doing and if a loan would be beneficial to you. 

Have you ever needed to take out a loan for a business that you wanted to start? Did you have any issues taking out the loan or was it fairly straight forward?