Fnb business is horrible

I have been a client of fnb since 2018 through business banking and the amount of bank charges are ridiculous...iam not happy because fnb has declined my business loan just because they say the money coming to the account is not standard meaning if I made **** this month and make 300k next month they can't assist they want the business to make one amount every month in oder to be assisted, and I told them but iam in the transport business I won't be making same balance every month because service always differ every month it's not like iam earning a salary I mean what sense does that even make fnb business? I think the reason why they declined my business loan it's because iam black because we all know the banking system only helps white people iam very disappointed in fnb As black customers of this rigged banking system we need to start our own banking system that will benefit black people because this is ridiculous and nobody is doing anything about it. Fnb business is just the worst