Cashflow management is part of the math. You need to keep a spreadsheet (ALL THE TIME) of expected income/expenses. That way you stay on top of your cashflow needs. I can't see you getting a loan based on a business plan - banks are not in the gambling business - they want 100% assurance that they will get their money back aka collateral
Paying 30% HP on an overpriced car that devalues faster than a cellphone is not an investment!
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