At the end of the day, most small business owner's credit score is a direct reflection of the health of their business. Yes there are going to be cases where the credit score and the business are not related, but overall a healthier business pays the owner more profits and in turn keeps down his debt or improves his lifestlye to extend larger credit lines.

The fact of the matter is, with the traditional lending climate where it is today, there are more than enough high credit (for this industry) applicants that a funder can give an advance to in place of the low ones. This is why we are seeing rates coming down and extend over longer periods of time.