The premine can and will be used to dump, lending platforms do not work as they eventually come undone due to not being able to keep up the interest rates with the ponzi and will eventually diminish its reserves.
Ever since the Bitconnect and clone lending saga ended last year users are still trying to relive that dream

Its not really a lending platform, its a platform that facilitates friends and family making loans between themselves.
I do not know a lot about the premine but I trust this team and Im sure the funds will be used for listing on exchanges and development of core features.