What is a disadvantage of asking a lender for a government$-$guaranteed Canada Small Business Financing Program loan?

Question $26$ options:

The lender has sole authority to approve or decline the loan application.

Reduction in interest expense are considered taxable benefits and are not deductible.

Interest payments must be paid monthly regardless of the business' cash flow.

Businesses must have at least one year's operating experience prior to applying for the the CSBFP$.$