I read a story in school life. Readers say books are more expensive so they can't buy more books even if they want to. Publishers, on the other hand, say that they can't reduce the price of books just because readers don't buy more books.
But the banks themselves have opened their institutions to do business. So they will not give their money to any place or anyone from where they have difficulty in getting the money back. As a result, they are not interested in giving loans to small and new entrepreneurs. If I had your bank, maybe we would think the same way.