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A loan helped to increase float for equity agency.
He decided to start a business so that he can be able to support his family as they had just moved to a new country. He used the first loan to introduce new drinks in the bar which increased the number of clients. He is also an agent for an equity bank where people deposit or withdraw from him.
He is requesting a second loan to increase the float for the equity agency hence increase in commission. Richard is a dreamer, he believes that one can achieve anything if they work hard.