Lulalend is not for expanding your business! It's for businesses who keeps balances and not grow there business

How can lulalend make an assessment of a client without phoning or asking how does his or her business work? In my case they said I do not have balances?? Really? So if they did any homework they will have noticed I transfer money from one account to another and pay suppliers so why will I keep a balance? To earn interest?? No I use my money so grow my business not to keep balances which means nothing if you don't have stock to sell? Anyway better to stick with the banks cause they have a better assessment over your business and even phone you to ask things they do not know!