Being a small business owner is not easy. Apart from the problems that the small business owners have to face in operating business, the severest of problems is in raising capital. It is not easy to raise capital for business use; particularly in an environment in which small business owners are accorded a status similar to borrowers with bad credit. Self employment is considered a bad credit case because of the unstable income generation through small business. It is said how a small business owner will pay fixed installments on a loan if he has not made much income (profits) in a particular month. Banks and financial institutions are…
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