1. The review time is too long: Heng Xiaohua needs to review the materials submitted by users. If the information is incomplete or further verification is needed, the review time will be extended.

2. Bank processing time: Once approved, Heng Xiaohua needs to transfer the funds to the user's bank account, and the bank processing time will also affect the lending time.

3. Holidays or weekends: If your application is submitted on holidays or weekends, the lending time will be delayed.