Thats quite funny actually as I was thinking the same thing. People that think they might have good credit (due to past applications for credit), might still think they will be okay for finance now.
I was shocked in February as I applied for an interest free transfer credit card (i do this occasionally) and I was turned down for the first time in my life. Turns out when I shut an account months ago there was actually a silly balance of say £30. The direct debits were cancelled and hey presto a missed payment (1 missed payment in my whole credit history). This was the reason!
I have a reasonable business, a good amount of equity in property etc etc. Scary stuff!!
However with finance they are more personal and should see the whole scope of you in financial terms. YOU HOPE!!!!!