Lol i didnt even know banks offered lending to crypto mining startups?! Where i live u gotta bank it urself. Why would a bank take a risk like that? Its not very smart. And their bottom line is all about profits, but i guess this shows that we are back to square one again and 2008 will happen soon again. 
Its kind of hard to purchase mass orders from distributors without banking if they dont accept crypto. Well being a miner isnt a MSB so the risks arent really there to begin with. I think it is mostly a stigma thing and a competition thing than about risk.