Fred is 24 years old and married with no children yet. He operates a produce business, which he has run for a period of three years now. Fred was first in motorcycle transport then he started a produce business and it has improved steadily. Price fluctuations and inadequate capital are factors affecting the business growth. He has a dream of educating his future children and self-education. He wishes to expand his business to other new markets and buy land for growing crops. Fred wants a loan to buy maize and beans to sell.