To add to this, a significant portion (I think) of opening a restaurant goes into purchasing physical assets: fridges, grills, safety equipment, tables/chairs,

To add to this, a significant portion (I think) of opening a restaurant goes into purchasing physical assets: fridges, grills, safety equipment, tables/chairs, etc, and banks know how to liquidate those assets if your business fails. Taking a failed software company and selling off its assets is a much harder proposition.