The small flower purchase platform has higher requirements for the borrower's audit. They will check the credit report and ask the borrower to earn more than twice the monthly payment. For mortgage customers, there will be an age limit of no more than 60 years old. For the elderly and those engaged in high-risk occupations, the audit will be more difficult. Borrowers are unable to provide stable income certificates or have bad credit records, so it is difficult to apply for loans in banks. Under normal circumstances, it is not easy to pass the audit of the small flower purchase platform.