To help Kevo spend the 20k loan to grow his business, he could consider the following investments:

1. Marketing and Advertising: (5,000) Allocate a portion of the loan towards marketing efforts such as social media ads, Google Ads, influencer collaborations, or email marketing campaigns to increase brand awareness and attract more customers.

2. Inventory Expansion: (6,000) Invest in expanding his product range by purchasing more earphone models, screen protectors, or phone covers to cater to a wider audience and increase sales opportunities.

3. Website Development: (3,000) Improve his online presence by investing in a professional website with e-commerce capabilities, making it easier for customers to browse and purchase products online.

4.Customer Experience Enhancements: (2,000) Allocate funds towards improving customer experience, such as offering faster shipping options, implementing a loyalty program, or enhancing customer support channels.

5.Physical Store Expansion or Upgrade:(2,500) If Kevo has a physical store, he could use the loan to expand the store space, renovate the interior, or upgrade equipment to create a better shopping environment for customers.

6. Training and Development: (1,500) Invest in training programs for employees to enhance product knowledge, customer service skills, and sales techniques, ultimately improving overall business performance.

7. Technology Upgrades:(1,500) Upgrade POS systems, inventory management software, or other technology solutions to streamline operations and improve efficiency.

8. Sustainability Initiatives: (5,00) Invest in eco-friendly packaging or sustainable business practices to appeal to environmentally conscious consumers and differentiate his brand in the market.

By strategically allocating the 20k loan towards these growth initiatives, Kevo can effectively expand his business and increase revenue over time