The first thing you need to do is speak with someone you trust. There may be someone at your bank you feel more comfortable talking with. Never go and talk to someone who makes you feel uncomfortable. You will be asking some pretty tough and personal questions. A certain level of trust is necessary.
Do business with a smaller bank. The larger ones are not going to care. Most of them will only give you the time of day if you are swimming in the money. The smaller banks are more willing to work with you, regardless of your history.
Have all your information in front of you ready. Banks do not like it when a client is not prepared. They feel you are wasting your time and theirs. Get it all organized before you go. Walk in with confidence. Banks can tell when someone is not confident. Confidence is key. Many bank loans do not happen because the client is not confident enough.
You also need to know your credit score and history. Banks tend to play games with people who do not know their history They will make a bluff on you, thinking you are naive about your own information. Fix what needs to be fixed so you can move forward.
You need to prove them wrong. I have seen it happen. Knowing your own history is part of the game. Banks can claim anything in order to shake you down. Some banks will fudge your credit information to deny you a loan. They make their money off of this. It is your job to be one step ahead of the fray.
Most bank loans are contingent on your credit information. Banks are more likely to treat your differently once they see they cannot push you around.