Acting as a Loan Officer, evaluate a small business’s creditworthiness before applying for a business loan. Review the company’s credit history, debt-to-income ratio, and financial performance. Provide recommendations on improving creditworthiness to secure favorable loan terms. 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>