A successful small business requires money to sustain it and investment to grow it. Of course, securing investors is difficult so small business owners usually rely on a business loan or line of credit to supplement initial business growth.
This means a bank is going to look at YOU and your Credit to determine if you business is viable. Your credit does not have to be perfect to get a loan or line of credit to start a business but obviously - the better your history the higher your chances are to obtain financing.