Jesse didn't deserve to get the smash club
He put in absolutely zero effort in trying to get the loan to fix it up. Showed up only seconds before the lady from the bank. Did zero research or getting information. And then just tried to trick and lie his way through their second meeting. If he loved this club so much, why the hell didn't he put a tiny, minuscule amount of effort into it?
And then the reason he gets the load is a load of BS. Because he gave an answer from the heart? Nonsense. Again, if he loved it so much, he'd have showed up early and cleaned the damn place up. Banks don't care about heart. The lady had every reason to turn him down.