I am 22 years old and have been working in a beauty parlor for about six years. My work is my life as I am divorced, without any children. I love what I do and want to make a name for myself in my locality. While I will continue working as an employee at the beauty parlor, I want to open my own salon in my house. I am confident my business will do well as there are many potential clients in my locality. I need a loan to buy cosmetics for my new business.