In reality the financing for business, especially those in precarious trades, is in the hands of Merchant International banks and organisations. The finance for property/motors/ fridges etc is domestic and subject to far more market pressures. Sorry but its comparing apples and pears. The major lenders will do due diligence, especially at this present time, with a tooth comb. Its something they are equipped to do. Its not wanting something to fail, but being realistic.