1.He should be able to identify the business need and goals. 2.Should be able to create a detailed budget outlining how he plans to allocate the 20k loan. 3.He should consider investing the loan in areas that will directly contribute to business growth and profitability. 4.He should be able to allocate funds towards marketing and advertising can help him reach new customers and increase sales. 5.He should invest in technology and infrastructure upgrade which can help him streamline operation,improve efficiency and enhance customer experience. 6.He should also consider investing in training or professional development for himself or his employees to enhance skills and knowledge within the business . 7.It's important for Kevo to track the impact of the loan investment on his business.By monitoring key performance indicators will help him assess the effectiveness of the spending and make adjustment as needed.