I cannot speak for the financial institutions and how they will look at these matters, but my understanding of the legislation is that the personal credit rating of a candidate will not be a matter of relevance. The reason for that is that the only source of funds that can reimburse the bank are funds that flow through the political entities in the form of contributions, in the form of transfers from the party, and from various legal sources of funds.
Whether you're wealthy or not, the bank should be looking—and I'm sure you will be asking them a similar question—at what your capacity is to raise contributions, whether you are affiliated with an EDA and what the financial situation of the EDA is, what the financial position of the party you are affiliated with is, and whether you can expect to have transfers of funds from your EDA or from your party. Of course, I'm sure the other thing that will be considered is the likelihood of you receiving a rebate for your expenditures, meaning the likelihood of achieving 10% of the vote.
I think those are basically the only factors a financial institution should be considering, because if there's a failure to repay, the bank cannot turn to your assets to secure repayment. That would be illegal under these provisions.