first of all, "pop up overnight" is in "quotes" because they didn't pop up over night. this industry and firms have been in existence for decades but only grew quickly in the last 10 years because commercial banks stopped lending money. did you hear about something called the "credit crisis"?

second, what you're saying is so blindingly obvious that it doesn't even need to be said - startups do not fall into the category of traditional businesses with strong P&Ls and great balance sheets and constantly increasing margins, like a bank wants to see. most bootstrapped startups operate at break even, or can even dip into loss for a few months at a time. these are the companies that need the money.

this will immediately disqualify you for a bank loan. which is the original premise of this entire thread - the banks won't give you shit.