Do you need a business loan?

Do I need a loan as a business? If you have one of the following, you may want to get a business loan. A - You need to have business credit at this point, such as trade-ins like American express business cards, capital one ect. B - Have a plan for a loan such as knowing exactly what to spend it on, that will make your business more funds. C - Have an idea on if you getting a loan will directly allow more money into the business. Such as you are a retail store that has shirts and get a huge order, but do not have the money yet to fulfill that amount of inventory.