Borrowing money as a small business

Borrowing money as a small business. Are small businesses in the higher risk side making it harder to get loans to start up? A cure or a blessing? Many mixed thoughts in this article :
 
http://www.theage.com.au/small-business/finance/cba-wouldnt-give-victoria-kluth-a-500-credit-card-now-araza-is-a-30-million-business-20171130-gzw44j.html