If they can get their first loans, they have a 75% + chance to get the second loans. This is the law of finance. What finance does is to guard against risks by examining whether you have collaterals or not and how big the risk of granting loans to you is. So we can see such a distribution structure.
Now let us go back to the three numbers I mentioned just now. Why do self-employed businesses and SMB owners have more loans than SMBs? It is determined by risks. The registered companies now are companies of limited liability that can go bankrupt. When SMBs apply for loans, banks need to check whether they have collaterals.