I don`t know specifically about web development, but banks and finance companies used to be extremely hesitant to finance any type of transaction that involved an intangible product or any item where ongoing service was an integral part of the product. The reason: if a customer becomes unhappy with the perceived value of the product or service, he or she may stop paying the bill, and there is nothing tangible for the bank to repossess.
For example, you may design a website exactly the way the client wanted it, but it may fail to bring in the amount of revenue that the client anticipated. Unhappy with the result, the client may choose to stop making payments, leaving the bank holding the bag.
Michael A. Silva