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The SMFA will block any loan that they deem unusual or dubious. Their decision is aided by our Automated Transfer Monitoring System (ATMS) and is not personal or a judgement on you. The loan could have been blocked for a variety of reasons such as issues with one or more of the managers accounts. If you feel the loan is fair and there are no issues with your account then the problem may be with the other managers account which the SMFA cannot discuss.