Not at all. Credit availability is a function of creditworthiness of borrowers, which is largely a function of available collateral. All the Fed does is change the price.
If I get charged more interest, I simply charge more in wages/profit to cover it. Which I can do because there is a tight labour market/product market.
If I get charged more interest, I simply charge more in wages/profit to cover it. Which I can do because there is a tight labour market/product market.