Starting Your Own Money Lending Business

  • 6 expert advise

Venturing into a money lending business is a good idea especially people need money nowadays. You need to focus on small market if you want to be competitive. It will be best if you will be starting up small.

Make sure that you have a presentable office so that your clients will not be scared in acquiring your service.

money lending business

A money lending company is a kind of business that is becoming popular nowadays. This is due to the fact that people are now being affected by economic crisis. Money lending businesses usually provides people the opportunity to gain credit in different ways whether by means of credit cards, personal loans and other types. The market for money lending companies is already saturated by big banks, tycoons and other business that have enough money to lend people in need. If you think about starting your own money lending business but you fear that it will not work, then probably you might want to take the risk. There are money lending firms that focus on small market that offers money via check cashing, payday advance, loans and other credit service. Remember if you are starting this kind of business, it would be best to start up small.

There is now a high demand when it comes to money lending companies and it will be growing in the next years due to the fact that a lot of people consider borrowing money from lenders. Money lending companies are steadily increasing nowadays and they are often found in the high class market. Some of them are part or affiliated with big companies or stable organization. Credit services are proven to be popular as well in communities. If you are planning to open an individual lending business, you might want to serve in a wider area.

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You need to charge fee for your services. If you are opening up an office you need to display the amount in your services so that your client’s will be able to see your rates. It is best if you have a nice and professional looking office space so that people will not be hesitant to go on in. Since you are catering to people who are looking for money, they might be feeling anxious and scared. Show them that your environment is friendly and you are the answer to their problem. When starting a money lending business, you need to decide if you want to operate in a bigger or small scale. It clearly depends on the type of loan you are offering. You can offer short term loan which have rate with small interest. If you plan to pursue home credit type of service, you can take small customers that may agree to pay on weekly basis. You can also offer a collection service where you will be the one to collect in their respective homes. You can earn profit on the interest rate depending on the type of loan that you offer.

Money lending business tips

Starting this kind of business takes a lot of effort and money as well. There are right and wrong ways to lend money. Proper documentation is essential in your business to keep track of the money flow. It should be well written kind of documentation. The help of a lawyer will make this a much easier task. Carefully draft the contract and discuss it with your lawyers thoroughly. This way you can avoid clients finding any loopholes in your contract.

In order to attract people, start strategizing a marketing plan. This way you can able to give incentives to your customers. Make sure that your build a good social network so that people can refer you to others. Obtain proper licenses from the government to operate legally.

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  • 1. Massu Novat said on April 28, 2009
    Can i get the whole process on how to run this money lending business, what do u need on the ground and how do you go about lending money to someone. What administrative issues do you need to have...
  • 2. john said on May 9, 2009
    i want to start lending money in the united kingdom on a small scale. Whats the first steps to take when it comes to lending?
  • 3. bongo said on June 8, 2009
    where can i get a proper license in south africa and if i want to do debit orders which channels must i follow in order to get that?
  • 4. thabang said on June 11, 2009
    Which channels must i take to get a license in south africa and what to do if I want to do debit orders?
  • 5. raymond biko said on June 14, 2009
    i wish to start a small scale money lending business but i wonder on what interest rates in kenya.
  • 6. Marlo said on June 30, 2009
    Please provide the whole process on how to run/start a money lending business? What disclosures do I need, and Federal regulations must comply with. What administrative issues do I need to have in place?
  • 7. Honest living said on July 29, 2009
    I use to lend people money on a monthly basis with 30% interest but stooped when they were busting my b*lls because i was "ILLEGAL" as if i'm some drug dealer gosh, i'm in South Africa. is there any way i can do this legally and get a lot of my money back from some of my old clients because i made them sign for it.
  • 8. Theodore said on August 3, 2009
    How to start a money lending company? Is there a license needed, etc... What's the fastest way with gaining the education?
  • 9. Beverly said on August 4, 2009
    I've been wanting to start a money lending business here in Victoria, Canada. Can you help me with this? Just need to know how to charge and the way to calculate the interest to customers.
  • 10. Felix said on August 18, 2009
    this forum is quite useful, i have just started my dream business of money lending in Kampala, Ganda East Africa.
  • 11. mariam said on August 21, 2009
    i found my office space and my next step is to legalize my business and see a solicitors about an agreement but i would like to know how do i credit check people. what system will i be using to register the client on my computer as in our days everything is done by computer and how will I find the proper administration documents to make them sign please help me, I am confused!!
  • 12. Reuben said on September 9, 2009
    that's great, i had this idea like for ever. i've gone ahead to register a company and legalize the business. but my worry is about credit check of my clients. am targeting the 'corporate' class back home. i really need your advise. many thanks
  • 13. Jean Yabu said on September 18, 2009
    I want to start a money lending business. Please provide the whole process on how to run/start on it? How much percentage of interest should I add? Thanks.
  • 14. Lady Miracle said on September 19, 2009
    Good Day, I am a private loan lender by name Lady Miracle, i give certified loans to serious minded individuals and company at an interest rate of 5% with total loan repayment allowed weekly monthly or yearly depending on how you can make repayments if interested email me at We only offer out in: Dollars, Pounds, Euro and Naira only.
  • 15. Mark said on October 6, 2009
    thanx for the tips, i want to start with building a network of friends and charging them interest daily, do you think this will be manageable! you know sometimes friends run out of money for lunch towards month end and we lend them for free!
  • 16. peter kuria githu said on October 12, 2009
    I want to start a small money lending company with kshs. 20000, could you please send me the tips for starting this kind of business and also tell me the security I should be considering for those loans
  • 17. Martha Masemola said on October 19, 2009
    can I get the whole process of starting the Money Lending business? Is there any license needed, etc?
  • 18. Njeru Karuana said on October 20, 2009
    I have a money lending business operating in Nairobi for the last 2 years. my problem is that I have a very high demand but i have run out of money to lend. we charge interest at 5% per month. Are there people out there with money who can provide it to my customers and share the interest with me. Kenya does not have foreign exchange restrictions for moving money in and out
  • 19. Njeru Karuana said on October 20, 2009
    I can be reached via email for more information on how my program works
  • 20. cherry ann said on October 22, 2009
    i'm also planning to start a small lending money business in the philippines but i don't know how to start. will you please help me? please give me tips on how i can collect the payment effectively. i think in this kind of business that is the challenge to be a successful one.
  • 21. Bindi Bonang said on October 28, 2009
    I am in the process of starting this kind of business and would like to know all the requirements including administrative, calculation of interests and challenges/risks faced by this business.
  • 22. austin said on November 1, 2009
    I would like to start a money lending business in nj. can you provide me what legal license and admin. stuff i need to go through?
  • 23. Christine said on November 8, 2009
    Hi Austin,

    I have been wanting to do the same however, I am reading that it is illegal in NJ to do lend money better known as Payday loans.

    I am very new to this so, perhaps I am not correct on all of this info however, I did read this on numerous sites so please be cautious and do your homework!

    I currently have three people looking for loans and I want to act on two of them. I am now afraid to! If anyone has info contrary to what I have learned, please provide info. Thanks, Chris
  • 24. Lindiwe said on November 16, 2009
    hi, i want to know how to start a money lending business in south africa, newcaste & how do i obtain a money lenders license. Please out.
  • 25. Richard D. Barros, Jr. said on November 17, 2009
    Me and my friends are planning to conduct a feasibility study on whether it is good for us to start a Lending Business on a certain location. How and where do we start? What are those things that we should include in our study regarding this business? Please help us. We are from the Philippines, Negros Oriental Province, Dumaguete City, Negros Oriental State University.
  • 26. Moses said on November 23, 2009
    I want to start a money lending Business in my small Town in Uganda. Could you please advice me on the way forward especially on the administrative and legal requirements. what collateral should my customers provide to guarantee payback.
  • 27. isei vono said on November 26, 2009
    i would like to start a money lending business in fiji, could u advise on the area that i need to follow and requirements i need to operate legally on a small scale. Anything valuable information to help generate this business
  • 28. Charles Hakata said on November 28, 2009
    I have started a money lending business in Zimbabwe after having started off as an agent for a commercial bank. I have gained valuable experience and am willing to share it with all those who may need it. The only challenge I am facing is that of inadequate cash. All my clients are well vetted using some of the banks methods and suitable collateral is the key requisite. Those asking for interest rates to charge can never get the answer from the net. There are various ways of arriving at a just and attractive rate. I will endeavor to reply to all emails. Write to
  • 29. Charles Hakata said on November 28, 2009
    Lady Miracle, emails to your address are bouncing, kindly provide alternative address. Rgds
  • 30. Paddy 2944 said on December 2, 2009
    I am in the process of starting this kind of business in Dublin, Ireland and would like to know all the requirements including administrative, calculation of interests and challenges/risks and licensing faced by this business and how to check out your customers back ground before serving them. Tanks.
  • 31. Charles Hakata said on December 5, 2009
    This is funny... i offered free advice that could help most of the guys on this forum a week ago, and no one has taken the bait! Ok, I will now charge for the info... any takers??
  • 32. Bablu kumar roy said on December 17, 2009
    respected sir/madam, I want to start moneylending business would you kindly provide me the whole process in detail
  • 33. ruslan rusidze said on December 27, 2009
    hello, i work here in Georgia (former USSR) as a money lending broker and use some rich guys money, interest rate is 6(six)% per month, all money i had from investors is in business and they are making their 6% per month and are happy as me( i have my interest from each deal) deals are usually 3 or 6 month period...equity the borrower puts against the loan is more that 400% of the amount they borrow. i have my lawyer working for me to make sure all documentation is properly done... i am looking for investor who will be interested to lend his money. please contact me +995 97 872347 or +995 97 877002 or by email in case of interest you buy flight ticket to Georgia Batumi and i will provide everything rest..
  • 34. Emmanuel G. Itlhalefeng said on January 5, 2010
    I'm located in Botswana, Francistown in Africa in Southern to be precise, i would like to start this kind of business and i need more tips, currently i'm struggling to come up with a company name which will give me an edge over other competitors in my country, could someone help me with three best names to choose from as the requirement in Botswana is such that you submit three names and they go through the local Gazette to ensure that there is no duplicate of the name in the same business.
  • 35. roger gamini said on January 11, 2010
    i live in a country the demand to lend money is so great .....its the small markets that demand highly...could you please advise accordingly how i could start
  • 36. Greg Feyes said on January 12, 2010
    I am from the Philippines, I am planning to put up a lending business here but I don't have much ideas on how I can run it efficiently and successfully. can you provide me with a sort of business plan or guidelines , please ! Thanks !
  • 37. runel said on January 18, 2010
    i'm planning to start lending business in the philippines. but how to start and i dont have much ideas how to start. pls give guidelines about this business?
  • 38. matongo said on January 22, 2010
    Am a zambian male trying to start up a lending company. i have not yet come up with the name of the company and i plan for it to be located in Lusaka and depending on how i grow, spread throughout zambia. i will really appreciate for any help that i get
  • 39. candia john said on January 30, 2010
    am an ambitious young entrepreneur considering starting a money lending business in Uganda, Kampala in particular, please do advice me on the kind of clientele, starting capital, how to handle security and collateral, resourceful partners and how to go about the business, thank you
  • 40. dharam said on January 31, 2010
    selayang selangor malaysia. please give me the process, tips and how to start from scratch until the end (all from A to z) please... thank you in advance :D
  • 41. Robert said on February 1, 2010
    Hello, I am from kenya and i want to do business. However its not money lending but I am looking for a money lender to loan from. You can reach me on:
  • 42. rubin said on February 2, 2010
    I started lending here in Dubai, UAE if you could give me tips on how to make my business more secure
  • 43. den said on February 4, 2010
    For Runel and Greg and Richard of the Philippines. I do suggest that you attend a seminar about a money lending business. I found one website in the local newspaper.
  • 44. Edison said on February 9, 2010
    Xtreme Uganda limited is technical company but we want to also start leading out money on a small scale. it is a registered company but do i need to get any other thing for to be able to operate. Edison Uganda
  • 45. Jerry said on February 12, 2010
    I am interested of starting a money lending business here in Philippines. can you provide me some template for our SEC registration? Likewise I need a detailed Operational Manual for its daily operation. How much interest should be imposed and late charges for late/delayed payment.
  • 46. vibhor gaur said on March 12, 2010
    i am running investment business as business associates with other companies, is it is good in future
  • 47. mbewe christopher said on March 13, 2010
    i want to start a money lending business. i am zambian 26year, i will be more than glad with your help
  • 48. Arthur Mathebula said on March 17, 2010
    I am Based in the vaal and run small business in johannesburg. i am looking in to starting a money service lending business. i need the starting process, needs and starting capital. i would also like to know more about the law side of the business and if funding is provided for such initiative. kind regards, Arthur M
  • 49. Jennelyn Alegarbez said on March 18, 2010
    I started lending here in the Philippines but i have some clients from Dubai UAE, I just send it through my friend and she is the one responsible for the money if you could give me tips on how to make my business more secure, do i have to open a checking account there in dubai, coz my system here in the Philippines is i am requiring my clients to issued PDC. I would like to apply it there in Dubai, would it be possible are there some thing to consider. Could you please advice me on the way forward especially on the administrative and legal requirements. what collateral should my customers provide to guarantee payback.
  • 50. Gorjosh said on March 18, 2010
    Jennelyn, i am here in U.A.E for 11 yrs now. Lending formalities here is not as difficult compared to what we have in Philippines. Most lenders like banks just get the borrower's salary transferred to them, or they make corporate arrangements between the bank where the borrower's salary is being transferred plus they'd asked for a security cheque without a date, no mortgage and less hassle because normally it has insurance cover. In a small scale lending here (not registered), the guarantee asked normally is PDC cheque plus original passport or labour card. Some people who have no checking account would entrust their ATM cards as a security. Bottomline is, you've got to know your borrower's background. To be more secured and get protection from the law here, it is better to register your lending business. Anyhow, UAE doesn't levy income taxes so you don't have to worry about it. It's just that you have to renew your registration licenses and office rent yearly and it's quite a lot of money, plus your sponsor fee in case you open it inside Dubai. To know the registration formalities in Dubai, pls visit this link: and for 100% ownership visit: On the other side, i am planning to open a lending biz in Philippines. Any tips you could share with me?? pls send to
  • 51. raymond biko said on March 23, 2010
    Am based in Nairobi. kenya. How do I ensure that my money lending business grows and it is stable.
  • 52. Nada Zarkut said on April 3, 2010
    Dear Jennelyn Alegarbez, I live in AbuDhabi and I am looking for a private lender to grant me a loan of AED 50,000 payable in 6 months. Please e-mail me at
  • 53. uchenna .s.o said on April 6, 2010
    Am located in nigeria, i don't have a single idea of this business, but i intend to start on a very small scale if possible from my place of work, because i work in a financial institution where people live on credit hoping to payback on salary day. Actually, i'd want to expand even my clientele, so my question is, what should be my startup capital, how much interest should be imposed and late charges, then for non-corporate individuals what collateral should they provide to guarantee payback? Advice me more on the administrative and legal requirements to secure the business. If there are seminar or conferences pls let us know where and when.
  • 54. Rommel Igsoc said on April 7, 2010
    Ms. Jennelyn Alegarbez, could i possibly get a loan from you, I work and live here in abu dhabi, I am working in Multilink Environmental Services as a Head Designer, I want to loan of 20000 AED, what will be the documents needed.. please contact me at or call me at 00971503700824.. my name is Rommel Igsoc- Filipino also
  • 55. Arun kumar said on April 10, 2010
    Hi I have some money around 50 lacs, looking for business partner who can convince me genuinely can please contact me in my mail on
  • 56. akanise saukawa said on April 26, 2010
    how to open a money lending business in deepcut, surrey, england
  • 57. aka said on April 26, 2010
    i would like to start my business in surrey area on a small scale and how can i obtain my license and advice on how to start this business.
  • 58. Paul said on April 27, 2010
    i'm planning to start a lending business.. can u help me?..I'll give u $500 for ur ideas..
  • 59. Bambi said on April 28, 2010
    Hi Ms. Jennelyn, Can I have your terms when lending people in dubai? Can you please email me the information on my email add: I am also from Philippines.
  • 60. Jade said on May 5, 2010
    Hi, started my lending capital at 10k php, now its on 50k, i do this very very part time since i am working in a call center. My interest rate is at 20percent a month payable in two paydays. My clients pawn their atm to me and we meet every payday. I make sure that they are the one who withdraw their salary to be sure that the atm and the borrower are both active. B4 lending the money i gather borrowers info including acct number, atm and pin number just n case. My little biz s doing good and planning to rent a place near my work as my lending ofc, need to settle the license first. For all starters good luck!
  • 61. Ronald Sinkala said on May 5, 2010
    Kindly send me guidelines for starting and managing a money lending business.
  • 62. Alekc said on May 5, 2010
    Could you please send me guidelines for starting and managing a money lending business in Ontario, Canada
  • 63. Nellia said on May 6, 2010
    i want to start money lending business in south africa. i'm already owning a second hand furniture shop
  • 64. Emalie said on May 12, 2010
    What type of license do i need to start my personal lending company? where can I find the guidelines for Hamilton, Ontario, Canada. Thanks
  • 65. ADIL MERCHANT said on May 14, 2010
    I am Investment Fund Manager operating a Investment Fund named " Platinum Fund ". I need Capital for my Investment Fund. I am offering 15 TO 25% profit per year. I will bear the total loss, if in any case it happened. To discuss this, please contact me at ADIL MERCHANT, CELL NUMBER PAKISTAN 00923422484177
  • 66. Derick said on May 17, 2010
    Will you please assist how to start or register a money lending business in South Africa.
  • 67. Wynton said on May 19, 2010
    Thanks for the introductory message, but could you please guide me through the necessary legal formalities/steps of forming /registering a money lending business in Uganda-Africa. Thanks.
  • 68. Mangesh said on May 23, 2010
    hi i am based in dubai does anyone does financing in dubai even personal loan please contact me on
  • 69. Rommel Igsoc said on May 30, 2010
    Ms. Jennelyn Alegarbez, could I possibly lend money from, who is your contact person whom I can liaise too, I am also a filipino I only need of 15000aed will pay back within 3 months time what is you monthly interest please email me or call me at 00971503700824 urgently need money for my little business.. please..
  • 70. phillip said on May 30, 2010
    hey Aust, i have been encouraged by my friend to start my own money lending business but i'm afraid i might fall/loose due to the fact that i have not been tough or even have the idea of how its done, in short i do not have knowledge in finance and banking..HOW AM I GONNA MANAGE? HARARE, ZIMBABWE
  • 71. D. KARIUKI said on June 7, 2010
    I have a friend who intends to begin a money lending business on a small scale, targeting small businesses like grocery, cereals stores etc located in low income areas/informal settlements. She has already attempted and the demand is quite high. The fear is that she has no structures to safe guard any loss risks and defaulters. How can she go about it without incurring huge losses that may lead her into closing the same.? How possible is it to register such a business in Nairobi? Does anyone have an idea on how to go about it and also other forms of documentation/business plan.
  • 72. Xolani Nondlwana said on June 9, 2010
    i want to be a money lender here in south africa but first i want to get a license for this kind of a business, where can i get it?
  • 73. J E zulu said on June 10, 2010
    Box 35243 Lusaka. I would like to start the very best business of lending out money here in Lusaka Zambia. How can i go about it? How do i over come the risks involved? Please help. Jonathan
  • 74. Cherry said on June 14, 2010
    Hi everyone!!! I'm from Mandaluyong City, Philippines. Anybody wants to lend me some money about Php50,000 and I can issue check to guarantee my payments. This is much safer than having my payroll account via atm because in the Philippines once the check bounce, you can file a case and that's not good. Just shoot me an email if there's an available lender. Thanks.
  • 75. mike said on June 17, 2010
    need more info on how to start a lending business in calgary, alberta, canada
  • 76. Maranga Nino said on June 25, 2010
    can i have the process of this lending system? if so then kindly send it in my email.,.
  • 77. hari said on June 29, 2010
    i am looking for somebody who can lend me money for Dhs:150,000/- repayable in one year with normal interest rate. i am willing to repay on monthly basis and can provide you monthly cheques and bank statements where my salary is transferred. i live in abu dhabi with my wife & 2 kids, and i am really in dire need of this help. you can contact me on 0097150 5826946 or email me at this is a genuine help required.
  • 78. Michael33 said on July 8, 2010
    Hello everyone, I noticed that all of you were asking about starting a money lending business and you need some assistance or information on how to begin. I recently started my own money lending business and went through the process with a consultant. He helped me to register my business with the city, he also helped me to get a license to be a lender in my city. He also completed my business plan for the city lending licensing agency and also directed me through each stage of the set up process. I have US$50,000 to start my business, I have loan out more than. US$25,000 already and earning between 9% -- 15% per month on the interests payments from my clients. This is one of the easiest business to set up that I ever saw and anyone can do it, however, you must know how to set it up right the first time or you will do something wrong. My friend George and all of this for a fee. everybody had talked to want to charge me US$10,000-US$25,000 to do the same work. I paid George only US $1,500 for everything. However, he is willing to send you all the steps in the process to do yourself and the small business plan all for US$425 to cover his consulting fees. It's a very good program and anybody can use in any country. Good luck!
  • 79. Michael33 said on July 8, 2010
    Michael33 here again, in my eagerness to get this information to you, I forgot to include the contact information in my last thread (smile), I was just to excited about getting this information to all of you, please forgive me. If you're interested in communicating with George about starting a money lending business, please send me an e-mail to: and I will forward it over to George for you, thanks again.
  • 80. Nondu said on July 9, 2010
    I'm wanting to start a money lending company please advise on legal requirements as well as admin required in South Africa
  • 81. Maloya said on July 16, 2010
    I've got a money lending business, please advise on what to do if I want to register it in South Africa
  • 82. Sheila said on July 20, 2010
    Am from nairobi kenya looking from a private lender to give me a loan at 30% interest p.a. i have collateral for the loan.
  • 83. marie tonganis said on July 22, 2010
    i would like to start a small business in lending money, here in Edmonton ,Alberta Canada. can you help me, on how to get proper license and how layout contracts and where could i get information on how to charge for rates.
  • 84. Janet_d said on July 26, 2010
    i'm janet from Kidapawan City, Philippines...we will be having our project feasibility study, a requirement in our course subject. My projected business to put up will be a money lending business. Pls give me some ways on how to lessen default pays from the debtors and the legal aspects if there would be a possible default payments.
  • 85. owaks said on July 30, 2010
    I've started in Kampala Uganda with capital of Ugx 20 millions. However, i have run out of cash and customers are floating like R.Nile waters. Kindly if any one can getting a good financing to boost my business and i pay him/her interest of 4% on the amount given to me per month, i will be grateful. contact me at or +256(0)414691093 owaks
  • 86. anurudda said on August 2, 2010
    I am interested on starting small financial lending business. would like to know what are the main things that i have to consider when starting new business in this trade. i am from australia melbourne. would like to know step by step process that i have to follow in starting the business. kind regards Anurudda
  • 87. wamimbi edwin lusimbo said on August 3, 2010
    what should be the starting amount? the interest to charge? and the period to offer the loan to the client. Edwin
  • 88. rose said on August 4, 2010
    thanks my name is rose from eldoret kenya i have a capital of 200,000 and i seriously want to get into this business of money lending pliz advice i want to know everything about this business.
  • 89. Vivian said on August 5, 2010
    May i please know the procedure on how to start this business i mean the paperwork needed? Thanks From Uganda
  • 90. Jay G. Villavicencio said on August 5, 2010
    I have a project regarding seaman's cash loan here in philippines. there are 250,000 seamen deployed per year and 90% of which are applying for a loan before they join the ship. interest rate is 3% per month with a processing fee of 8% to 10%. a target of 98% collection efficiency. I am looking for an investor for the said business. you can reach me thru cell number 0917-5196027.
  • 91. Gilberto Dominguez said on August 11, 2010
    Yes, This is for anyone and everyone in the philippines who is or are interested in starting or owning a successful lending company in the Philippines. I did not say interested in a lending company or a finance company. I said a successful lending company of finance company; there is a big difference. Lending company and finance company are my specialty area of consulting. If you want to know how and make sure you succeed from the start with money lending and financing in the Philippines you can contact me. over 5,000 ready made qualified borrowers. All required incorporation documents, articles of incorporation, corporate by-laws, where to file, fees to pay, in short everything you need. Or join together to form a lending company incorporated. Plus much, much more.
  • 92. Gilberto Dominguez said on August 11, 2010
    To all in the Philippines interested in a lending company or finance company!

    First the law requires any private lender, private investor lending money, or any group involved in lending money exists as a duly registered corporation with a minimum working capital of 1,000,000 ( one million ) php.

    Know that most successful lending companies operating in the Philippines have as many as 100 employees and significant capital in the millions of pisos. limiting yourself to lending money to the few people you may know may never generate a sustainable income for you and may never become a true successful business. A truly successful lending company will be diversified, hold interest in real estate, own other businesses that serve to generate revenues, hold assets of borrowers to assure loan repayment and guarantees. Find out how you can even own property and businesses it the United States or around the world by participating in a lending corporation.

    Imagine you might get the right to visit other countries because you are a part owner of an international lending corporation. There are many areas of lending. A lending company should be involved in different markets throughout the Philippines. You will be surprised to find out that by owning a part of a lending corporation you may find yourself far better off financially with far more security and income into the future years to come than by trying to own and operate a small lending activity around your own home.

    There are ways you can also have both your own lending activity around your own home or area where you live, do it legally, and also participate in ownership of a lending corporation. There is so much to know, learn, and consider. Please contact me if you are truly interested in earning money through the use of a lending company in the Philippines and maximize your benefits and income from it.
  • 93. owaks said on August 12, 2010
    Vivian, It requires a good lawyer to help you register a company because as an individual its not simple to do money lending as a business in Uganda especially when it comes to legal matters. It might cost you about UGX 3,000,000/= to do all legal requirements including a certificate & money lenders license to start up this business. Then the amount of capital depends on your target clients and your pocket.
  • 94. ebenah oscar said on August 22, 2010
    I am from Warri, Delta state, Nigeria. I want to know how I can start up money lending here in Nigeria in small scale than grow it to a bigger scale. Please advice me I want to know everything about this business. Thanks.
  • 95. Sten said on August 29, 2010
    Hi Ms. Jenelyn and Rubi, i'm in need of an urgent cash loan, can you possibly help me? Please email me at Thanks.
  • 96. Akim said on August 31, 2010
    Hi, I've been running a money lending business for the last three years. It a good business if you make good paper work before you disburse a loan cause it's also risky. I operate in uganda with a license. I need investors to fund my business. Return on investments is 5% per month. Contact me via E-mail if interested. There is a money back
  • 97. Felix said on September 3, 2010
    Hi, May I get advised on the steps required to operate money lending in Uganda. If possible by some one that is already having it.
  • 98. Sipho Nkuna said on September 14, 2010
    I am about to resign after working for the government for 28 years and i would like to open up a money lending business. I want to start small by lending people an amount wit the minimum of R3000 - R5000 in order to boost my investments after i am paid out my pension benefits. Can you please send me information about how much capital do i need to have for a start up and all that i need to do to get started please.
  • 99. Sheila said on September 19, 2010
    For every business to succeed you must have a business plan. money lending is a very lucrative business if well planned. pls contact me at voltaireafrica06@gmail for a detailed money lending business plan. its not free of course but the price is negotiable.
  • 100. thomas said on September 28, 2010
    I am excited many people around the world consider this business good. I want to start here in Zimbabwe, however, I do not know how best to ensure that the loans I give out are paid back. Here most salaried people earn as little as us$250 a month which I consider too little to support meaningful loans. Any ideas on how to secure loans are most welcome. My email is
  • 101. Manoj gupta said on September 30, 2010
    i have small jewelery Shop, i offer cash to customer against gold ornaments. I want to know that, is any legal requirements for that, if yes then what will be requirement for me to run this type of business.
  • 102. Bharat said on October 1, 2010
    Now a days India is Fast developing country. Here lot of scope for money lending. Any one can make double of his money in 12 months but it must be planned. Any one want to start money lending in India. I will give you all analysis of Indians. They are divided in four types. they have separate attitudes after taking money and when the time comes to pay back. their needs and willings and satisfactions. Any where in the world if u start ur business firstly concern with me. Because I have twelve year experience of people behavior in market and purchasing nature of people. mail me at
  • 103. marie angsioco said on October 16, 2010
    I want to position this kind of business in the Philippines but need to have all the documentation needed and be legally authorized.
  • 104. lito ocampo said on October 17, 2010
    your features are very informative and educational. can you give me some advice how to start a small scale lending business ? Your response is highly appreciated. Thank you.
  • 105. agnes smith said on October 18, 2010
    I am starting my own money lending business here in the states, and i am looking for a partner who is interested in the same e-mail me at
  • 106. nairmohan said on October 25, 2010
    i am thinking of starting a small scale money lending business in the UK for which i need a need a consultant in relation to the licensing procedures, default/debt collection formalities and measures in the prevention of huge losses. Please forward links
  • 107. richard ssengendo said on October 26, 2010
    i already have a money lending business but on a very small scale,i want to legalize it and have it registered, i want some one to help me with the procedures. how best can i have my operations going on and how best can i have my record keeping. am in kampala uganda. will be grateful
  • 108. THOMAS SUH said on December 4, 2010
    I have a friend who intends to begin a money lending business on a small scale, targeting motor spare parts dealers, garages and motor gadgets dealers.The fear is that she has no structures to safe guard any loss risks and defaulters. How can she go about it without incurring huge losses that may lead her into closing ? How possible is it to register such a business in Cameroon. Does anyone have an idea on how to go about it and also other forms of documentation/business plan.
  • 109. BRADLEY BARLOW said on December 5, 2010
    I am from South Africa and was wondering if someone could help me with opening a money lending business. what i want to know is what licenses i need and all the legal documentation and the statutory rate because it is regulated in my country. where do i start? please write to with suggestions and tips. thanks
  • 110. LUCY THOMAS said on December 8, 2010
    have a curiosity for this type of business and provide a much needed service in this economy
  • 111. okurut Boaz said on December 13, 2010
    I have recently started a money lending business with the little capital i have. The only way to double this capital is to limit the time for repayment so as to get more returns. is this really good or is it what i should do for the start so that i can make enough capital for better time periods.
  • 112. Robinah said on December 14, 2010
    I have always wanted to start a small money lending business, but have no idea how to go about it. Am in Uganda. Does anyone have an idea on how to go about it and also other forms of documentation/business plan and any other tips. thx
  • 113. yuki dalimocon said on December 23, 2010
    i would like to start a small scale money lending business in our place,is it ok to start with out license, since my costumer are my friends and neighbors?
  • 114. zamo said on January 3, 2011
    I intend starting a money lending business on a small scale, i think i have enough capital but lack the know how, please help particularly the legal part and guarantee payback., regards
  • 115. BE AWARE said on January 4, 2011
    lots of scam artist on this, who claim that they are running a lending business and run out of money due to excess customers asking for more money. Do Not Fall for this trick and Do not enter into business with these scams...
  • 116. christopher Kontoh said on January 8, 2011
    I am a professional in money lending business. I have study what we called microfinance. Any one who need tips or partnership can contact me. I am ready to work with one who has the facility or capital to start. contact me at
  • 117. tabona said on January 12, 2011
    i want 2 know where i can get softwares used in the money lending business, my business will be in Botswana. i also want to get Tips on this business.
  • 118. allen said on January 15, 2011
    I'm located in Riverside, Ca. and want to set up an office located in a small strip mall. I will probably be self-funding the venture, at least until such time that I may want to expand into larger structured loans. But initially, my area of concentration will be similar to the general 'payday' type short-term loans. Could you please supply a comprehensive, step-by-step procedural guide for my start-up? Thanking you in advance for your assistance. Allen
  • 119. Rassel said on January 15, 2011
    I'm from Pampanga Philippines. Doing private lending to friends and people near in our place with 10% interest and ATM as a collateral. As of now I have 200k investment for the business and luckily all the 200k are out which means the business needs more investments. I have a home based work which I save 50k every month to make an investment in the business. My goal is to have 1M investment and will earn 100k each passive income. I also created web based application to manage all the transactions, yes I'm an IT. My goal is to make 1M on October 1, 2011. Hopefully having my job plus the loan business I will have it. Wish me luck!!
  • 120. muhumuza brian said on January 19, 2011
    i would like to start up a money lending business in Ntungamo, Uganda, East Africa. But the dynamics are very complex. how can i go about it. and i would like to charge any interest rate of my choice compared to the risk rate here.
  • 121. Oupa Pilane said on January 22, 2011
    I own a Linen company and would like to establish a financing company as our clients want to pay in credit. what are the Legal requirements and where can I get the license. I am in South Africa (Mpumalanga Province)
  • 122. Shikhar kapoor said on January 23, 2011
    Sir i want to start a small money landing business in india u.p. what is the legal formality for it ? How can i get the license to it?
  • 123. dimitris said on January 27, 2011
    athens, greece. i' m also interested in a lending franchise (if there is any)
  • 124. bouchalova said on January 27, 2011
    Hello I am from Czech Republic and looking for a loan of USD 1.5 million for starting a business, any interest I respect all rushing only solid negotiations without pre-charge e-mail: thanks for the offer
  • 125. SIMON said on February 1, 2011
    I have been with the idea of money lending ever since when i was in university 2yrs ago, i even got started with it but due to the financial indiscipline i began surviving on the little i could recover. as any expert advice me on how i can make my dreams yield. Am SIMON in Uganda.
  • 126. Rassel said on February 4, 2011
    Hi all, I'm a web developer just thought an idea of creating Online Lending Management System which you can use to manage your lending business, It is still an idea though and I want to consult all of you who are expert in this field on what are the features you will be expecting for such system? I already created small app for my business myself which help me a lot and just thought sharing it to all of you. This can be very helpful for your business,and guess what, after I finish the web app you can access it for free, meaning you will have a free tool managing your Lending Business online! You can email me, for suggestions. Cheers!
  • 127. SAE said on February 7, 2011
    Hi Sheila or any one out there, send me more details on how i can purchase a good money lending business plan . A good Money lending business plan needed. contact me at
  • 128. MArk Lim said on February 8, 2011
    hi i live in Philippines, Please provide the whole process on how to run/start a money lending business? What disclosures do I need, and Federal regulations must comply with.what are the Legal requirements and where can I get the license.please help me for this.
  • 129. Murthi said on February 15, 2011
    Keen to start a money lending business in Malaysia. Please Guide how to go about, legally. TQ
  • 130. ged berry said on February 22, 2011
    hello, i wish to start a very small lending service in the uk, would i be able to obtain a loan of a few thousand from a bank then, start small, loaning around £400+ with reasonable interest rates.then in time getting bigger? as the loan from the bank would be a safe bet for them as there is no way you cant pay it back. any feedback would be appreciated.
  • 131. praveen said on February 24, 2011
    Hi, may I know how can i attract customers if I start this money lending business? i'm from malaysia, kuala lumpur.
  • 132. olaniyi said on February 27, 2011
    please i want to know the step to be taken & the documentation required of me if i want 2 start a banking business in nigeria. Am from nigeria
  • 133. shalo said on March 6, 2011
    gaborone, botswana. i have decided to start a cash advance business and i appreciate your comments guys, i do not have much information about forms and procedures to use in the business as well as legality issues
  • 134. Sourisack Phanmeesai said on March 7, 2011
    i'm planning to start lending business (Micro loan) but how to start and i dont have much ideas how to start. pleas give guidelines about this business? and how to get a loan from the bank? Thank you
  • 135. James expert adviser said on March 7, 2011
    @Sourisack Phanmeesai, microfinancing laws varies from country to country so please let me know your physical location. I also need to know your budget to help you better.

    Jestin James
    Startup Biz Hub - Senior Advisor (Staff)

  • 136. bolade said on March 11, 2011
    This money lending business really sounds appealing to me. Is there anyone with the modalities involved all the way to having to register it to make it legal. Please help with the info.
  • 137. Nino Jayson C.Agnas said on March 21, 2011
    I want to start money lending i'm still working now and i'm afraid if this will not prosper. Is borrowing from banks with low interest is a good decision? to add up my capital? I'm in the phillipphines and this kind of business is very popular in our area what do I need to do so that I have advantage from others. My start up capital is not that sufficient is 500,000 is enough to start this kind of business? and borrowed it from a bank?
  • 138. Gaurav Garg said on March 22, 2011
    Hi, I want to start a payday loan company in London UK and have contacted various high street banks but no one is ready to open an account whom do you think i can approach and basically if there is a detailed guide regarding whom to contact for law matters or debt recovery etc. would be appreciated. Wondering if you offer any services?
  • 139. anthony abridello said on March 31, 2011
    I have a corporation/business I am looking to reinstate corporation, plus buy an office building to do a private placement this is NOT a start up need a partner , or investor with $135,000 no risk ,short term (details on request) which someone would need to have to understand were this will go Thank You for your time., Anthony Abridello
  • 140. dave said on April 12, 2011
    hi,i have a payday loan in d'sara i am looking for some marketing tips perhaps your idea will help us to grow, thank you.
  • 141. Nobert Mhere said on April 13, 2011
    I am into money lending business with many customers. i am unable to meet the demand.anyone from zimbabwe who want 2 partner call me on 0774050828. i put an interest of 40% or anyone who want 2 invest in me.i support proper legal based in masvingo
  • 142. Gcobisa Somlota said on April 18, 2011
    I am ambitious teenager who is interested in starting their own money lending business. I need assistance on legal implications with regards to starting this type of business,getting the business legit, etc. if anyone can pave the way forward for me with any relevant information, kindly do so to my email address.Gcobisa Somlota- Port Elizabeth, EC.
  • 143. mardz valera said on April 18, 2011
    hi its me mardz valera..from dubai, i need money to settle some of my loans..can u help me please..kindly send to my email add:
  • 144. walter said on April 19, 2011
    hi i live in the philippines ask for how to start a lending business and how much for the starting cost capital this is my
  • 145. Tekatao Rimon said on April 25, 2011
    Hello. I'm from Kiribati and I had started a money lending business just recently. I would like to seek advice on how to make some sort of business plan or guidelines and what documentation needed. I've obtained my government licenses legally. Please can you help me?I put an interest of 10% dollar. Thank you for your help. This is my email address;
  • 146. sabelo maxwell said on April 29, 2011
    i want to start money lending business, how do I begin,do I need to get licensed to do this. Please advise and if I have to be licensed how long does the registering process take. I am based in south africa in Johannesburg.
  • 147. darryl said on April 30, 2011
    i am based in australia and looking for investor for a great return over short term,no risk and please email me
  • 148. Vincent Coningco said on April 30, 2011
    I started small lending business here in the philippines with my wife which our clients were mostly my wifes co-workers. but I wanted to increase my capital, is it better if I apply for bank loans to support my lending capital?
  • 149. Merlina Yaranon said on May 1, 2011
    Hello, I'm merlina from the Philippines and I want to start a small Lending Business. I would like to seek advice on how to run this kind of business.
  • 150. Thutego Sebego said on May 4, 2011
    From Botswana, Gaborone. I've started a cash lending business based at home, now i want to look for an office in town, i seek advice on how to run this business especially when dealing with people i dont know.
  • 151. mark said on May 7, 2011
    hi..I live in the Philippines... i need investors for my cash lending business!tnx.. my email add:
  • 152. david said on May 10, 2011
    does anyone know, how to collect back the monthly installment from borrower? pls advice because i'm new in this money lending business. thanks...
  • 153. Erwin said on May 11, 2011
    i need more capital for lending business here in the philippines and i offer 18 to 24 percent interest to your back can email me through my gmail
  • 154. Oageng Liebenberg said on May 13, 2011
    I want to start a micro landing business, what do I need and where do I go. I am living in Rustenburg North West
  • 155. Tima S said on May 19, 2011
    Hi I am from Fiji Islands, could anyone please advise me how to do conduct money lending business in Fiji. I have obtained the license. How do I attract customers, since it is not legal in Fiji to advertise as a moneylender. How to do proper documentation, business plan and follow actual guidelines. my gmail account is
  • 156. frederick i paringit said on May 24, 2011
    i am a micro supervisor in a rural bank here in the philippines,we cater micro loans to our client,so far we offered 3 type of micro products,our client are mostly small n medium entrepreneur.i can offer some idea on how to establish your own lending business..feel free to ym me,
  • 157. chantel drury said on May 27, 2011
    i would like to start my own cash loans in the eastern cape cathcart. can you please send me all the information on how to get started and what the requirements are to start a cash loans and where can i get the application and registration forms please.
  • 158. Victor muyanga said on June 2, 2011
    i would like to start a small money lending business in Kisii, Kenya. how do i register my business and get proper license from government to operate legally?
  • 159. digno m. valentin said on June 3, 2011
    My wife began a lending business here in our town Mankayan, Province of Benguet, Philippines which caters to market vendors. we wish to include a lending program exclusively for teachers but since we are just five month in operation, we don't have much capital hence we are seeking fund sources to augment our meager capital. please recommend. thank you.
  • 160. Fredrick said on June 8, 2011
    would like to start small scale money lending business whats its legal requirements on this in kenya especially rural area and what minimum capital do i require. thanks
  • 161. Elizabeth said on June 13, 2011
    Hi I own a salon and a shop where I sell men shoes in Nairobi, Kenya I am in need of Ksh 30,000 to help me fix work stations in the salon please help.
  • 162. MJ said on June 13, 2011
    Looking for 10,000 unsecured bad credit loan. In Canada: Will not pay upfront or advance fees, as I have had it with scammers. Pls advise if you can legally help.
  • 163. demas said on June 17, 2011
    Am demo still a student living in Uganda and i want to start up a small sole money lending business and my capital is still so less this is what is worrying me and at what interest percentage would it be fair to lend out since my target are fellow students?
  • 164. B A, Lending Master said on June 25, 2011
    I've been in money lending industry for almost 10 years now. i know how to run it by heart through and through. seen my boss earn from thousand to billions in less than 15 years. if any of you has enough money for capitalization ill be most willing to become the industrial partner. i am willing to put my real properties as guarantee.
  • 165. Claudio said on June 29, 2011
    I want advice to start my own business something small for the begin. i'm from south africa western cape and like to put it in a small town can u give me the steps what i must follow
  • 166. Mohammad said on July 13, 2011
    I am Investment Fund Manager operating in Fx & Commodities market. I need Investors for my Investment Fund. I am offering 15 TO 25% profits monthly on the investments. To discuss, please contact me at, Cell No. Dubai 00971-50-8575587
  • 167. emmanuel said on July 16, 2011
    i want to start a money lending company with little capital. But i need help, what do i need to put in place before starting this business. I am from Nigeria. pls help me out. Do i need a lawyer or what?
  • 168. Kevin said on July 22, 2011
    I am doing small scale Manufacturing Industry, established well in market. orders are very good, But my capital rotation has not sufficient to fulfill the buyers demand. Here we looking for small Investor to balancing the present finance cruises. Legally we are ready to accept as partner or Legal partner. If any one ready to help in this Contact us before July 30th.
  • 169. Oliver Barasa said on July 24, 2011
    i have started a money lending business in kenya and its two months old i have lent small business, they pay on a weekly basis,currently i have 50 clients with outstanding loan balance of ksh. 400,000 the problem is dont have a clear growth plan,please help me tips on how to grow the business
  • 170. Jake said on August 1, 2011
    I'm planning to have this money lending business. i'm in abu dhabi. Anyone can give some tips? thanks
  • 171. Eloisa said on August 2, 2011
    Hi there, We would like to invest/joint venture with an existing lending corporation in the Philippines, preferably in Batangas. We would like to hear from those who are seriously looking for partners and lending capital. This is my email - Hope to hear from all of you. Eloisa
  • 172. Jhong said on August 7, 2011
    i'm about to start a money lending business this month. I'm in the Philippines particularly in Cebu City...i need some form, by laws the rights of the lender and borrower and the computation of the business...the terms and condition and more...i need it as for daily operation pls do help me...i'm waiting for a reply thank you very much
  • 173. Ash said on August 10, 2011
    I'm from the Philippines. I have no collateral to present for my loan but I can give you my word and trust.
  • 174. pano said on August 10, 2011
    i want to start a money lending in South Africa but i do not know which channels i should follow to become registered please help
  • 175. Myra said on August 11, 2011
    Cebu City Philippines...I have a 3 yrs operational lending corporation based in Cebu City. We plan to open up in nearby city and would love to get some business partners to have 25% profit share of the entire income. Guaranteed to get 1/3 of your investment capital in just 1 year and earnings will be continuous for just 1 time investment. If interested just send me email
  • 176. Kumar said on August 11, 2011
    Hi I am kumar from UAE... I am looking out for Loans to start up my Business In UAE and also a part of it for personal use. I can give my passport and cheque as collateral. I am looking for AED 90K and can payback in 6 months and can go upto an Interest Rate of 20%. Kindly contact me on my mail address, if anyone can lend me the same.. thanks and regards.
  • 177. Dudu said on August 15, 2011
    I'm thinking of starting a money lending business in South Africa and I want to start on a small scale. Will you please assist me with the following information: Steps to take when starting this business Legal requirements and legal rights for the borrowers. Marketing strategies that will attract in the small-scale borrowers Resources required for running the business. What do I need to do if I want to get repayments through debit orders. Any other information that may assist me
  • 178. fibi said on August 24, 2011
    i have started my business and i started with $500 and i usually give $50 sometimes $100 and the maximum amount i have given is $200 but my business is not registered..can someone help me...FIJI
  • 179. DANIELSON HANS said on August 25, 2011
  • 180. Ricardo Jones said on August 25, 2011
    I would like to start a money lending business, however i need to apply for the license's and register the business etc, please advise where do i apply for any kind of money lending license and also legal processes?
  • 181. said on August 25, 2011
    hi i like know the steps and where to register for small money lending business in south africa and much must i pay for the registration to be a money lender
  • 182. rashima aggarwal said on August 28, 2011
    i want to start my business gold jalandhar,plz suggest me how i am start my business give the location and what procedure ,which type of the guidelines,how to registered this firm?give full details as soon as possible....thanx
  • 183. Thula Nkabinde said on September 2, 2011
    Ladysmith, KwaZulu Natal- South Africa How do I start my own money lending business in SA. Where do I get a license and what do I need to get one. How much do I need to get started and to maintain the business?
  • 184. mclean said on September 4, 2011
    i want to start my money lending business firm in malawi,please suggest to me how i can go about this business. what procedures ,which type of the guidelines, how to registered this firm? give full details as soon as possible....thanx
  • 185. thomas said on September 7, 2011
    Hi... i'd like to start my own small business on lending money in Namibia(Grootfontein)you think i'll qualify if i only have N$100.000.00 from my own saving? what are the interest rate and all the other stuff i need to know.
  • 186. edwin said on September 11, 2011
    DIPOLOG CITY, PHILIPPINES. hi, am currently in my little lending business for the last two year. i was once a rural bank employee. at the very moment, am planning to make great leap in terms of loan product, i.e.,a secured loan product.since i started this business its all no collateral at a very small loan amount collected daily. with my bigger plan, it needs a lot of money for capitalization.. CAN YOU HELP ME IN REALIZING MY DREAM BUSINESS?, is there any foundations or N.G.O's that will support such a kind of business here in the local and abroad? THANKS
  • 187. Barbara Ntege said on September 11, 2011
    I would like to start a money lending business in Uganda especially to help women: I have capital but I need some one who would like to partner with me and add some diverse expertise in the business. There is a big market and given the possibility to start it can work 100%. Email Me, Kindly Batbara
  • 188. Kiyingi T said on September 17, 2011
    I would like to start a business college in a virgin area in uganda but I am looking for an investor to give me seed capital or someone to partner with.
  • 189. Deola said on September 20, 2011
    Want to start a legitimate and registered or licensed money lending business in Lagos, Nigeria. What are the steps and requirements?
  • 190. elsa said on September 23, 2011
    hi, i would like to start my own lending business in Calgary ,Alberta,where do i apply for a license,and what is the requirements. thanks
  • 191. Peter Hart said on October 3, 2011
    My name is Peter Hart. I am based in New Zealand and i have lot dealing with united kingdom.I like to know about starting up money lending business.You can contact me on 0064 226773207. AND Also looking for a loan,if you can help me out. Please give me call.Hope to hear from you.Peter Hart
  • 192. SimonCandis said on October 4, 2011
    Personally, I will be able to positioned the squeeze on my web site and use it to get an inventory that I will be able to market many times.
  • 193. phillip madela said on October 5, 2011
    hi, i would like to start my own money lending business in South Africa mpumalanga,will u please help me with legal document , tips en registration forms,thank you
  • 194. henry said on October 12, 2011
    i would like to start money lending in marruecos to help people who are their.How do i start
  • 195. Pritchard Sithole said on October 12, 2011
    I am a manger for a micro finance in Zimbabwe.have seen e company start from $4000 and now is at $97000 within 11mnths. i'm wanting to start my own and am looking for a partner or investor...have all e know how on registration, documentation and accounting. for more details interested persons can contact me on
  • 196. christopher Tahula said on October 15, 2011
    Am 27 years old entrepreneur in south Africa ,I have been in loan business for 2 years I have been loan money to close friend and family member who need money but now am planning to get my business registered ,for anyone who need help can send me email
  • 197. Leah said on October 17, 2011
    With defaults in our society how is one supposed to minimize the risks?
  • 198. kyle coutu said on October 18, 2011
  • 199. busi said on October 19, 2011
    how much can start this type of business ,where can I find license to operate legally thanks. From Vereeniging .
  • 200. Walter said on October 21, 2011
    I am in Rustenburg RSA and want to start a money landing business. please help with LEGALITY AND FINANCING. I HAVE DONE MY RESEARCH, IT WILL WORK
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