If you think it’s getting harder to qualify for a small business loan, you’re not dreaming.

Small businesses are finding it harder to qualify for business loans, according to the Reserve Bank of Australia.

Banks have previously made it harder for individuals to qualify for home loans – and now this stricter stricter regime has been applied to many small businesses.

This is because of “the difficulty in separating personal from business finances for many small businesses,” according to the Reserve Bank.

“This appears to have impinged on small business lending, given that small businesses find it harder to provide evidence that they can service a loan as their income tends to be volatile.

“In addition, lower housing prices are likely to weigh on lending to small businesses, since around half of small business loans are estimated to be secured with residential property.”

The Reserve Bank said that small business loan applications had also fallen over the past year.