Don't waste your time

We were told that the application was easy and that the criteria was less stringent than our bank, however upon application we were declined within 24 hours. The reason was that our average bank balance was too low. If we had access funds why would we be applying for a loan. Our company has been trading for more than 6 years and our turnover has reached more than R30 million a year and we still don't meet their criteria. What is the criteria we are required to meet