Not benefiting from certain products

I have tried on numerous occasions via my private banker to apply for a consolidation loan using my property (bond free) as collateral but failed. I downgraded my account because I still had to stand in queues when going to the bank and email support took 2 days for a response or even longer. I started a little business of which the funds goes into one of my FNB savings account on a monthly basis of more than R20 000 to R25 000 and in cash I collect another R15 000. I tried a few things and it worked to my advantage, but because I needed capital I had to make a few loans to get my little business going. all I asked at the time for my private banker to please assist in motivating for some of my accounts to be settled not all of them. I currently have a loan with FNB which is going off my account on time, but I just need to free up some cash for myself as my little business can now actually run by itself. I have a stable and steady job, and I am at no risk. I know Standard Bank offers a product to customers call "customer assist" we at FNB have an option of "consolidation loans" but I cannot benefit from this. I am not asking for all my accounts to be settled just some of it.