Loan for self-employed, anyone?

I am a self-employed person. I have no fixed income and have no confirmation letter from any company. I started from scratch and haha just imagine how hard my life is. I do feel breaking down sometimes but i never regret my path. I will find a way to fix it somehow.

The most crucial thing in building a business is capital. It is like an engine to your car. No matter how much or how good the quality of the 'fuel' (ideas), your 'car' (business) would not go anywhere without the 'engine' (capital!).

So where to get the capital injection? Everybody knows banks would require few documents that the business starters do not have. (I dont what to go detail into that)

Then i read about TEKUN somewhere in newspaper. I was in doubt at first, but no harm trying isnt' it?

I read the criterias needed to qualify the loan in their website. I passed all the criteria except i do not have a PREMISE. I dont keep stocks and i do not open any real shop, so how? Can i call my eBay Store a 'premise'?

Let's find out next.

In January 2009, i dared myself to meet their officers in Kota Bharu. I had prepared a hand-written proposal in advance just to check with them whether this online business is 'valid' for loan application.

The officer was nice. He admitted that is the first time he got an applicant who do not own a PREMISE. He checked with TEKUN HQ in Kuala Lumpur. To my relief, i was welcomed to apply the loan. (^-^)

Actually the amount that i requested is not much. Just below 5K. It does not require any business licence, just general documents about yourself. For a ONLINE business starter, i think this amount is enough to support the basis of the business. As the time goes by and your business gets more profit, you may apply a bigger amount from TEKUN. BUT with ONE condition, you have shown good repayment records.

Nothing comes absolute easy. You have to throw some effort man!