what are the reason why the bank might not be willing to lend to certian borrowers
Answers
Bank is one of the institutions which is known for its generation of loans. These loans may be long term, short term or middle term.
Whether a certain bank is willing to give a loan to a certain entity, depends on the sole decision making of that bank.
For example:
Sometimes a bank might not agree to give a loan to a certain borrower, this depends on the following factors
1- The interest is too high and the borrowers, previous records may show that he wont be able to pay interest on time
2- This borrower is previously a known defaulter
3- This borrower, for instance, his new business proposal lacks potential to gain maximum profits, under the digression of the bank people.
4- The borrower's guarantor isn't well known, or is shady, or lacks the goodwill
5- The business in which the bank is supposed to give loan, lacks market value or good will. Example: They have been bad mouthed. Reputation is in lacking.