John is 44 years old and married. He also has children. John is operating a bar business, which he has run for a period of 4 years now. He was first involved in agriculture, harvesting maize. Then, he started his produce business and later changed to the bar business. Price fluctuations and inadequate capital are factors affecting the business growth. He has a dream of educating his children and buying a car. He wishes to expand his business to other new markets and to diversify his businesses to include accommodation. John wants a loan to buy beers, sodas and spirits to sell.