Hard Money Lending

Why so difficult for banks to borrow money with bad credit?

I have been asked almost every bank to finance now all I wanted to pay my debts and start Australia again, but nobody gives you the opportunity of why it is so difficult

I do not know what serious is the credit, but if you have a permanent work and an Australian citizen you can find a loan here http://finance.ebookorama.com/cashadvancefinders.php?id=9988

LA hard money lenders