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You need to look at it from the banks point of view as well, they are a business in themselves, and as such need to ensure they have a return on investment. So if nothing else they want to have their initial investment in your small business returned at some stage, and the cost of them purchasing that money as well. The banks shareholders will not be happy with them if they just willy nilly go and lend money to everyone who walks through the door with a business idea.

Starting a small business is a risky business and if we all had easy excess to capital to start one, there would be a lot more people starting them, and the banks would be one area carrying the brunt off the resultant losses when a new startup fails.