the Bank’s Credit team has indicated that they currently do not have appetite for this type of transaction.

This is more of a question than a review. If you apply to Absa for a business loan, supply the application with all the documents and information required and they then take a few weeks to process and eventually come back declining your application with the reason: "the Bank’s Credit team has indicated that they currently do not have appetite for this type of transaction." The question is what does this mean? Does it mean they are just not interested? That is what it sounds like to me.