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For a small business especially on individual business there are some problem on the growing of business, some of them are:

• They don’t have enough funds to expand their business, so they can’t do improvement on their process, quality for the better result.
• The small business like home industry may be has limited access to outer world, so buyer from other region / country can not see their product yet. They should get chance to follow regional or international exhibitions with purpose to   promote their product to wider market.
• The technology access is limited; this mean there is big wall during the process and could be negative effect on the production result.
• Commonly, the capability and skill of human resource in low level, this is could be happened depend on social culture on the native region.

From all problems above, the financial problem could be the urgent and the most important that should be solved as soon as possible. May be we found that some small business owner try to find fresh fund from bank even it’s not easy. Not every bank has special credit for small business because the risk could be bigger. The small business identical with unstable condition and it could be big problem for credit payment on the future.

But there is some solution to solve this, basically bank can give fresh fund if there is guarantee for the credit and for this way we can use mortgage loans as options. It’s like we want to upgrade our home and we will get fresh fund, even the actual usage is to upgrade our business. But before we choose this way better if we recalculate our financial condition. If you deal with this way, you can start to expand your business as soon as possible. Good success!