There is a lot less cheap credits as lenders have to meet demands from global and national regulatory bodies for higher levels of prudence and risk avoidance. It's a market and where costs rise or better profits are available elsewhere. it is not sensible to lend to lower profit higher risk companies. As for 'creditworthy' there is no guarantee ever that anyone or any company will remain creditworthy until after the loan has been repaid. They can get a loan but only at the price required by the lender. Simon from Sterling Store company.