The difficulty of obtaining a $20,000 business loan can depend on various factors, including the borrower's creditworthiness, business plan, collateral, and the lending institution's requirements. While it is not possible to provide an exact answer without considering individual circumstances, we can discuss some general aspects.

1. Creditworthiness: Lenders typically evaluate a borrower's credit history and credit score to assess their ability to repay the loan. A higher credit score and a clean credit history make it easier to qualify for a loan. If the borrower has a good credit score (above 700), it increases their chances of securing a loan.

2. Business Plan: Lenders often require a comprehensive business plan that outlines the purpose of the loan, financial projections, and repayment strategies. A well-prepared business plan demonstrates the borrower's seriousness and ability to manage the loan effectively. It should include details such as market analysis, competition, marketing strategies, and financial forecasts.

3. Collateral: Depending on the lender's requirements, providing collateral can increase the likelihood of approval for a business loan. Collateral can be in the form of personal or business assets, such as real estate, vehicles, or equipment. Collateral provides security to the lender in case of default, reducing their risk.

4. Cash Flow and Financial Statements: Lenders may request financial statements, including income statements, balance sheets, and cash flow statements, to assess the business's financial health. Demonstrating a positive cash flow and sound financial management increases the chances of approval.

5. Lending Institution: Different lenders have varying criteria and risk appetites. Traditional banks often have stricter requirements and may require a longer track record of profitability. Online lenders or alternative financing options may have more lenient criteria but could charge higher interest rates.

It is essential to research and compare various lenders to find the one that best suits your needs. Online platforms like LendingClub, Funding Circle, or Kabbage offer business loans with relatively lower borrowing thresholds and faster approval processes. Additionally, consulting with a financial advisor or reaching out to local Small Business Administration (SBA) offices can provide guidance on suitable lenders and loan programs.

Remember, the information provided here is a general overview, and each lender may have specific requirements and evaluation criteria. It is crucial to thoroughly review the terms and conditions, interest rates, fees, and repayment schedules before committing to a loan.