Mouse. I enjoy reading your posts and like the fact that you are passionate about the things you have invested in. Too much passion can sometimes cloud ones judgement. Banks do lend to businesses. Due to the recent credit crunch, they have just tighten the noose. The time will come in the future where banks will start to lend like there is no tomorrow again and forget there was a financial market crash. If you have a good relationship with your bank they are more flexible.
Dont forget that high risk lending usually end up when tears with the market turns. The recent fall of finance companies is prove of the risk in lending to high risk ventures.
Take a look at this site.
Failed Bank List
http://www.fdic.gov/bank/individual/.../banklist.html