Debt equity ratio

just when you purchase a house on loan what is expected same thing applies here .This seems to be one of the essential requirement .It seems You have to bring in another 30 lakhs by way of equity else You have to Furnish certain Guarantees to get the Term Loan sanctioned

Any debt and its amount  is evaluated from perspective of the enterprise's capability of generating cash so that loan repayment is honoured without invoking the underlined security. Most of time, such debt-equity is arrived based on the above concept. However, banks assess smaller loans under pre-set standard scheme and consider generic Debt-equity ratio alongwith other ratios / parameters.

You need to know what is basis of considering this specific Debt-equity by Bank. If its under a pre-set scheme, then you need to convince Lender, why your business shall earn higher profits than the lender's understanding.