Sadly, if what your saying is true that the profit margins are getting tight, then I can probably understand the problem, ultimately banks have to be able to see a business can afford the extra load lending will put on a business before we lend. If your not making much in the way of profit that extra load could mean the difference between making money and losing money. Especially as the market is contracting at the moment But I have done some lending to a pub I have to help them refurbish and buy new equipment so its not always a no. But it was privately owned by a family and they had no lease or commercial mortgage to pay for so they could afford to be a bit cheaper than the local competition and make some money.

I think after I had asked him all these questions he got the idea he hadn't really thought about it