Why are you in denial?
No one is ever too busy to move forward with you or date you. They will see you as a good catch and not want to let you go.
Him saying he is too busy with work is an excuse. He doesn’t want to take it further.
She basically can accept your love but can’t give you anything back yet. She isn’t readY, hence her words below:
”No doubt there will be a time that I can and I will accept but the time isnt right now"
If you have been around each other for so long , you must care about her to spend degree. It could be some internal issue you have that’s preventing you from making the commitment. Decide what scares you more, her leaving or you committing to her.