We often view business as something that would bail us out from the tough jobs that we are tasked to do by our superiors. We just don’t like the idea of being bossed around all the time, do we? Compelling us to get things done at an instant, meeting deadlines, working a minimum of eight hours in a day, demands that get out of hand, act in accordance with your workplace’s policies, steer clear from tardiness and absences, chasing after salary increase and promotion, and being aware that the person above you is just doing ‘power-trip,’ are just some of the few reasons why we dream of having our own business. So what do we have to contend with in starting our own business? The most common problem that we encounter in setting out a business is the capital. Oftentimes, what we have on hand is insufficient. We actually have an option to borrow from a bank, but at times we are having second thoughts if the bank would find us creditworthy. That is why some would resort to other lending institutions such as loan sharks. But we shouldn’t think that way. Banks treat us as business partners and they are willing to assist us in our financial needs if they are certain and confident that their debtor is willing and able to pay. The banks can identify to whom they can afford to lend their money to, because every loan applicant is assessed based on what they call the 4 Cs of Credit – Character, Capacity, Collateral, Capital. We can also pay our loan in a short-term or long term basis. So fear no more. Having the guts to take the risk only proves that you, as the capitalist and would-be entrepreneur, believe that you have a good project because you are laying down your money and name to finance the envisioned business.