You don't seem to understand that there is a world of difference between lending money to the business which may yield an increase in profits and lending money on a car which is guaranteed to loose money.
Actually you are quite wrong since if a bank lends someone money for a car the bank at least has the car as security.
The problem is a different one: If you want only a relatively small amount of money banks simple don't want to go through the trouble of checking past financial statements, prospects of the market you are in and so on. Because they do not make enough profit to justify the paperwork for this loan. Actually if you are self employed you are more likely to get a loan of 200,000 than of 2000.
If you are employed you can simply fill out a web form with your monthly wages and get an instant loan because the whole process can be automated. Your boss won't get a loan because that would require some actual work.
Problem is this is short sighted: If you have rejected someone when he just started his business a small overdraft loan of 2000 EUR because you did not want to waste time on some paperwork, don't expect the same guy to buy your financial investments when he has made some money a few years later. I do not have a problem when a bank turns down a loan application AFTER they have checked the finances but when they do it just because it's too much work for them I take a grudge.