Bank lending to SMEs

Every day someone has a scheme to improve lending by banks to SMEs.  Also every day banks are pilloried for being to loose with lending in the past.  This is a difficult circle to square.  As an SME, I will be sure that my proposed investment is the best ever.  What is needed is an appeal procedure to help those unfairly judged, not Government enforcement of lending or even Government (i.e. yours and mine) money.