In the lending, what will be the first question from your side to the client if you have been given a chance to ask only one question?

I would ask "How will this loan help your business".
The underlying strategy of using the loan should be realistic and practical.
Repayments would only come if the business thrives after receiving a loan.
Loans are like a ticking time bomb which have to be placed in the right spot immidiately otherwise they would just explode in the face of your shareholders.
So its all about strategy and prudent utilization.

Purpose of the loan and agreeable to repayment terms and conditions.

Would you be able to accept our payment terms?

The Group CEO of our company asked me this question, he is young and is in age of37.
I told him that i will ask that 'how he will repay to us' but He replied with different view than I realized that how did he become Group CEO in young age and3 CEOs are reporting him.
I will write his reply but after receiving some answers.
Thanks and waiting for some more reply.

Loan purpose

The Lending terms& conditions to avoid risk,

Why do you need credit?

What is your cash flow for the last2-3  years

I'll say that I appreciate much the relationship he has with the bank and as I met him for the first time and should ask only one question, I'd ask about his requirements and what he would like to get from the existing relationship. Showing our interest in the business of the customer make them become more open and sales based on their needs will sure have more success.  Building and expanding the relationship is better than asking questions about his credit, security, cash flow, etc. as only one direct question will never help to understand the customer and their needs, as well as the risk involved in the deal.

How will you operate to benefit from my loan?

Purpose of loan and collateral that borrower will offer for obtaining loan.