And most small (i.e. 1 man Corporations) which make up of the majority, do so in order to get said loans/credit. That's my point. CRA though is another thing though. They're "god".
They are, although I found the reasonable if they don't think you are playing games. It has been quite a while since I dealt with them but in the 17 years I ran a business there were some lean times and if you are up front about problems they are willing to deal. Or they were at that time anyway.