I saw this about borrowers setting their own terms for loans

[Hans Restuccia]

I saw this post on Linkedln today:

Every day we and probably you also, receive emails form potential borrowers looking for funding for their projects. They have the audacity to state their own loan terms in their business plans. Where does this insane idea come from? What makes them think the lenders will read that? In truth, lenders will reject such applications. If you're a borrower, GET A GRIP

What do you think????