How do you determine when you want to ask for loans as a shopkeeper. This is important for you to make sure you don' default or incurr more chrages: The plans include:

1. Borrow for fast flowing goods.
2. Make sure you are at a position to pay it.
3. Always have a book for calculations.
4. Never borrow to pay rent
5. Lastly borrow not more than 40% of your stock.