You should show to your lender that you have the ability to make money with your business and you are far from the possibility of flopping. However, if it is really not possible to run your business without the needed capital, then you may need to offer a collateral as your business alone is not enough to make the lenders comfortable of approving your loan. The collateral that you need depends on the amount of the loan you are asking. Logically, big loans require hard assets collateral while small loans require anything available in your assets, from your car to your home and everything n between.
The lenders are not concerned of whether your business is making money or not, they just want to become secure and ensure that they don’t lose out on the loan. Of course, you do not want to lose your collateral. So before taking this action, you must be confident enough and plan well with your financial situation.