Business article (M1)

I have read this business article:http://www.guardian.co.uk/business/2009/jan/03/small-business-government-loan-guarantee-scheme
It is about the difficulty to borrow money from the bank,also as the interest rate is rising thus the new entrepreneurs are worried to borrow money from the bank to establish the small business.
Another reason is government support.....It is hard to borrow from the bank if there is not government support
So,banks are not always being gentle to you.......are not always suit for you