Kevo should do this; First identify which product sells most example power bank. C because of electricity blackout most people are going for power bank. Take 5k and invest in it. Ie 1 power bank= buying price 1000ksh then selling price 1500ksh at the end you make profit of 2500ksh(5 power bank) ∆ Take 3000ksh for marketing and advertising. Improve on sound system. ∆ Take 5000ksh for portable speaker. Buying price for one speaker is 1000ksh then sell it at 1300ksh to 1500ksh. So 5 speakers will make profit of 2500ksh. ∆ Take 5000ksh invest in USB cable. 1 cable buying price is 150ksh the sell it at 250ksh to 300ksh. 5000ksh has 32 cables then you will make profit of 3200ksh. ∆ 2000ksh for emergency. Make sure you improve customer service. Doing these will be able to refund the loan back without default.