Firstly, Kevo needs to invest in marketing. He needs to create a strong online presence by investing in social media ads, Google ads, and SEO. This will help him reach a wider audience and attract more customers.

Secondly, Kevo should focus on improving his products or services. He needs to research and develop new products that will appeal to his target market. He should also invest in training and development for his team to ensure that they provide excellent customer service.

Thirdly, Kevo should consider expanding his business. He can open new branches or franchise his business. This will help him reach more customers and increase his revenue.

Lastly, Kevo should prioritize paying off his loan as soon as possible. He should create a budget and stick to it to ensure that he can pay off the loan without any issues.

In conclusion, investing in marketing, improving products or services, expanding the business, and prioritizing loan repayment are key factors that Kevo should consider when spending his 20k loan. With careful planning and execution, Kevo can take his business to the next level. Thanks for watching!