[FUNd]

Someone has fund the Millions of merchants that have low credit scores!! or the millions that has other issues ! Should a landscaping company with 501 credit score not be able to get capital?

Yes, they should not. If you have a 501 FICO, you have in most cases made victims out of everyone and anyone who has ever been kind enough to extend you credit. You want to borrow money? Pound sand until you pay back the people you ALREADY owe money to.