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Being a small business owner is difficult. Besides the difficulties that the small business owners need to face in company that is running, the most intense of problems is in raising capital. It is difficult to raise capital for company use; especially in an environment where small business owners are allowed a status much like borrowers with bad credit. Self employment is recognized as a poor credit case because of the shaky income creation through small business. It is said how a small business proprietor will pay fixed installments on a loan if he has not made much income (profits) in a specific month. Banks as well as fiscal institutions are hence not open to the demands of the tiny business owners.