Why do Express Loans not have financial statements on their Marketplace listing?

When evaluating the creditworthiness of smaller businesses seeking funding, we have observed that their financial statements alone lacked sufficient details to make a lending decision due to the limited amount of information available in these documents for businesses of smaller sizes. 

We instead utilize alternative data sources, including banking data, personal credit data and other financial information in order to make a lending decision. Our proprietary risk scoring model incorporates a variety of different data points in order to determine whether or not to make lending available to one of these businesses.