Both new and existing businesses are likely to need finance at some time, for a variety of purposes. There are always costs and overheads associated with running a business, and capital can be needed at any time. As a consequence, it is fairly commonplace for enterprises of all sizes to take out a business loan at some period in their development and/or expansion.
You might, for instance, need additional funds to purchase new equipment, or upgrade or move premises. Your business might need to expand its stock and inventory levels, you may require new office furniture, or it might be necessary to upgrade your IT.
Both new and existing businesses will at times require additional funding to be able to undertake a marketing campaign, or update their website. Alternatively, you might require some additional funding in order to stay on top of cash flow or to consolidate high interest debt.
These are just some examples of the circumstances in which you might need to apply for a business loan in order to cover expenses that the business is not able to pay for itself at that time.