That is if findings of new research conducted by Shawbrook Bank and published today (17 October) are anything to go by, as this study has shown the vast majority of small and medium-sized enterprizes (SMEs) across the country believe this to be the case.
According to online resource Fresh Business Thinking, the survey established that 89 per cent of such organisations feel financiers fail to resort to logic when analysing loan applications.
Meanwhile, just six per cent of all respondents - of which there were more than 800 - indicated they feel their bank is completely transparent when it comes to conducting this process.
Owen Woodley - chief executive of Shawbrook Bank, a body that launched today with the intention of improving conditions for businesses - labelled these findings as "worrying".
By Gary Cooper