Anons should take some time to study the implications of this. It's bonkers.
https://iz.ru/1936950/evgenii-grachev/dolevoj-pas-banki-otklonili-pochti-80-zayavok-rossiyan-na-kredity

Banks have so much cash that they don't know what to do with it. They refuse to lend it to all but the most secure, and typically government sponsored, companies and individuals. Everyone else's ass is in the ass.