My business concept is the micro lending business.

This business targets working class of people in my

community who usually run out money in the middle of the month or may have some emergency
expense to sort and cannot afford to take a long term loan. Traditional loan may take days, even
weeks, to process and even longer for funds to arrive. Waiting around can cost more money in the
end.

My service is micro lending payday loan to help solve the need of fast cash access to working
professionals who can afford to pay back with interest.

This would be achieved by the use of my current network within by office and home environment
who I have known for some time. These include friends, colleagues and neighbours. These are my
early adopter customers who have been facing these challenges for a very long time and are willing to
pay the indicated interest.

To get to my customers I made them aware via one-on-one engagements through by personal
network that I am offering the financial services they are seeking. Through this, I also seek referrals
from my networks.

1. I need $50,000 to $250,000 to get the micro lending business up and running.

2. Firstly, I need to use part of money (about 10%) to complete registration and license of the
company. The would grant the legal authority of its existence and enhance the smooth running of the
company, free from any illegal operation. 20% will be used office space and other infrastructures. 10%
for other office experiences. 60% for lending to customers at an interest rates consumers will be
willing to pay at the end of each month.

3. Since there is little enough evidence and proof to base a real investment on, family and friends
could be best investors.

4. They investor of this kindly may not necessarily have a share but rather such amount invested may
be paid with interest.