I understand the sentiment. But if you had a low score due to poor financial management, you'd be better off getting some education with your loan than not getting a loan at all.

That said, these are small business loans, which is an area where advise would presumably be a lot more welcome than on a mortgage.

this is silicon valley. Every investor you meet tries to give you advice on how to run your company and live your life, even if 99% aren't going to invest in you.