The scheme is great and has helped a lot of businesses, but these figures shouldn't be a surprise. Too many people start a business either for the wrong reasons or that simply will not work. Also, most people do not realise the work and effort required to get things going. For every one who has applied for a loan, there are 10/20/30 times more people who have not and have made it work. Sometimes, not having access to these funds sorts the wheat from the chaff quickly, making some people realise this isn't for them quicker, allowing them to find other routes to being paid!