Hidden Reasons Why Banks Won't Grant A Loan For Business

It's almost impossible these days to keep a small business running with money from your own pocket. To meet up with financial commitments, entrepreneurs usually approach their banks for loans and it is rejected.

So, below are 6 reasons you may not be granted a business loan request from any bank.

(1). Weakening industry 

Operating a small business or startup in an industry that your bank perceives as weak or in fast decline will limit your chances of getting loans from your bank.

(2). Insufficient collateral 
To get a loan, you need a commensurate collateral. This may not be a problem for large businesses that own large assets, but it can very difficult for small businesses.

(3). Lack of consistent cash flow 

Banks tend to favour small and medium-scale businesses that have a steady flow of revenue coming in every month. If your business can't demonstrate this consistency, your loan request will be denied.

(4). Not enough operating history 
Banks give preference to businesses with a track record of good performance. The truth is they don't want to fund a business that has been operating for a short time and hasn't sustained a certain amount of success and credibility.

(5). Personal guarantees 

Your bank needs personal guarantees that you won't default when it comes to servicing your loan. This is a very risky position for enterprises struggling to stay on top of their monthly expenses.

(6). Economic concerns 
Banks will not lend money to a business if they feel that the current economic conditions are unfavourable for getting the money back in a timely manner. This is simply because they do not want bad debts.

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Checkout Oby Ezekwesili Reaction To Nigeria Presidency

Co-convener of the Bring Back Our Girls Group (BBOGG), Dr. Oby Ezekwesili, has slammed the presidency over warning issued to her for her stands over the face-off between Nigerian soldiers and IPOB.

Just of recent, Garba Shehu, asked Ezekwesili to watch her comments over military campaign against Biafra supporters, describing the attacks on soldiers and police officers by IPOB supporters as, “most irresponsible, indefensible and reckless."

Ezekwesili has fired back, describing the president’s adviser as a master of acute incompetency.

“Well aware of Garba Shehu's ACUTE INCOMPETENCY so let me give him another opportunity to STUDY my advice to Pres @MBuhari and don’t RAT OFF.

“As usual, you did NOT DISAPPOINT at all in your well known incompetence, Mr Shehu. Well done to you, sorry for the country.”

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5 Important Ways All Men Must Build Themselves As Husbands

Like most things in life, marriages are not static. It may feel like there are times when we settle into comfortable seasons, but marriages aren’t like McDonalds’ chicken nuggets. If we ignore them for a week, they will not look the same when we come back. 

Every marriage is growing stronger or weakening...

There is no exception. Marriages grow because the husband and wife are growing. Our marriages don’t exist in some strange limbo where they aren’t affected by our character, spiritual growth, and emotional maturity. Keep reading..

(1). Husbands Must Grow in Their Walk with Jesus 
A man’s walk with King Jesus sets the direction for everything else in his life. It does not guarantee that you will have a great marriage, but it will be the foundation upon which all of your growth will be built. When you have a growing walk with Jesus, you will be actively putting to death. Your sin is not only a dishonor to your Lord and a hindrance to your walk, but it also has negative consequences in your marriage. Therefore, a growing Christian man repents and seeks to cut the things out of his life that don’t look like Jesus.

(2). Husbands Must Grow in Confessing Their Wrongs 
We struggle in two areas with the sins that we commit against our wives. First, we possess blind spots the size of Texas and often do not realize how we have sinned. At other times, we feel justified in our sin against our wives because of something that we believe was done to us. We must work to remedy both of these issues because our sins against our wives hinder our walk with the Lord and create an enormous barrier to the growth of our marriages.

When you realize that you have sinned against your wife, do not seek to explain yourself. Do not wave it off with a quick “my bad” or a glib “sorry about that.” Instead, own what you have done and repent to the Lord. Then, make things right with your wife by confessing your sin to her. Instead of waving off your sin with half-hearted ownership of them, take responsibility and say, “I was wrong. Will you forgive me?” When you do this, you take responsibility for your own sin and then give her an opportunity to extend forgiveness.

(3). Husbands Must Grow in Showing Kindness 
“Be kind to one another.” It is amazing how these simple words from Ephesians 4:32can change your marriage. Married couples often get into habits where they don’t treat each other with even the most basic courtesy. Harsh words get spoken without apologies, a lack of consideration becomes the norm, and the hostility begins to build.

Instead of falling into the trap we must seek each day by the power of God’s Spirit to show kindness to our wives. Kindness doesn’t mean simply being nice, but rather that in our words, deeds, and intentions we are working to be generous and considerate to our wives. This means that we think about how we can bless with our words and be helpful with our deeds. When kindness becomes the atmosphere of our marriage, it creates an environment in which marriage thrives.

(4). Husbands Must Grow in Their Commitment to Their Wives 

In order to have a joyful marriage, you will have to change is drastic ways. I don’t mean that you will have to change your personality, hobbies, and likes. Your character, your words, your quick-temper, and how you respond to pressure will have to change. These changes require long looks in the mirror, hours in God’s word and prayer, and daily repentance.

If you are not committed to your wife until your dying day, this will be more than you can handle. The change can be so painful that you will want to reach for the eject button if you think there is one. Instead, lock out all of your other options and commit yourself fully to the wife of your youth. Every tear shed in repentance will be worth it.

(5). Husbands Must Grow in Offering Forgiveness 
When it comes to our wives’ sins against us, we often have 20/20 vision and a photographic memory. When your wife slights you or responds to you rudely, you turn into a historian who is able to list dates and events that have offended you throughout the entirety of your marriage. “You never” or “you always” show up in our disagreements. Our conflicts aren’t about this issue at hand, but about this issue and every other one that you have had over the years.

We cannot follow Jesus or have a growing, joyful marriage while harboring bitterness and unforgiveness. Bitterness eats at us like cancer and causes serious resentment towards our wives. Instead of holding a grudge over past wrongs, we remember that “love covers a multitude of sin” and that we are to “forgive one another, as God in Christ has forgiven you.” When our wives sin against us, we forgive freely from the heart, remembering that Christ has forgiven us. This means we let go of our anger and resentment and move towards reconciliation.

The Gospel of Jesus Christ provides the model for how husbands treat their wives. As Christ never leaves or abandons us, we stay faithful to our wives for the rest of our lives. We demonstrate the same kindness, mercy, and compassion to our wives that Christ has shown to us. Then we look to the cross of the Lord Jesus Christ, where he gave himself up for us, and sacrificially love as we’ve been loved.

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IPOB Activities Been Prohibited By South-East Governors

Governors of the South-East States have proscribed all activities of the Indigenous People of Biafra (IPOB).

They called on Leaders of IPOB and all other aggrieved groups to articulate their position and submit to the committee of governors, Ohaneze Ndigbo, and the members of the National Assembly from the zone through the Chairman of the South-East Governors Forum.

The governors of the five South-East states took the decision after a five-hour closed-door meeting at the Government House in Enugu, which was attended by Deputy Senate President Ike Ekweremadu, President-General of Ohanaeze Ndigbo, John Nwodo, and the General Officer Commanding 82 Division of the Nigerian Army, Lt-Gen, Adamu Abubakar.

Among the resolutions during the meeting is an appeal to the President to withdraw the military in the South East at the moment.

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VIDEO: Stonebwoy Ft. Kojo Funds – FALLING AGAIN

Ghanaian Reggae/Dancehall and Multiple Award winning act –Stonebwoy unleashes the official music video to his recent effort 'Falling Again' featuring UK Based act – Kojo Funds. The video was directed by Wowa.

Enjoy below..

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MUSIC & VIDEO: The Aristrocat – Wo!! (Viral)

Covering an already existing song is the new trend which gives us an insight into the creativity & prowess of the artist.

The Aristocrat broke the Internet when his ” Wo!” cover surfaced online, his cleverly crafted verses got tongues wagging and in no time the cover was already certified a hit and the ladies of course could not recover from the virus that the song had spread. The audio delivery showcases ” The Aristocrat’s ” ability to own a song even after a masterfully delivered original version. Teaming up with a league of equally highly talented beat maker, producer, mix & mastering engineer, ” The Aristocrat’s ” Wo cover was truly destined for greatness. Now quickly riding on this momentum of audio success and huge acceptance ”The Aristocrat” is taking it a notch-higher, with the arrival of his “Wo!” cover visual. The video shot by highly talented video director ”Mofti Pro Films” exposes us into the lifestyle of ”The Aristocrat“, laced with behind the scene footages of performances.

DOWNLOAD The Aristrocat – Wo!! (Viral) [Mp3 Music]

Or Enjoy the Video below..

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FAST DOWNLOAD: Ckay Ft. Dremo – Gaddemit (French Version) [Mp3 Music]

Chocolate City Act Cykay releases the french version to his hit single “Gaddemit” featuring DMW Rapper/Singer Dremo

Download, Listen, Enjoy, and share your thoughts below..

DOWNLOAD: Ckay Ft. Dremo – Gaddemit (French Version) [Mp3]

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VIDEO: Kida Kudz – Ride Or Die

Nigerian/Uk Artiste, Kida Kudz drops off his latest track named 'Ride Or Die' as well as the video to the new hit.

The video is packed with flavor and bold colors, drawing on influences from original Hip-Hop videos and cheeky nods to the sexual connotations of the lyrics. R&B flavours and Afrobeatsmerge in a melodic and playful way adding to the diversity in styles previously witnessed from the ever growing Kida Kudz. Enjoy below..

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DOWNLOAD FULL ALBUM: Simi – Simisola

X3M Music act, Simi finally drops her first solo album, an album we have been expecting for so long, and here she brings it, featuring just YBNL singer, Adekunle Gold. The album is titles as her namesake 'Simisola'.


Download Full Album Below

1. Remind me // Download
2. Joromi // Download
3. Aimasiko // Download
4. Complete Me // Download
5. Gone For Good // Download
6. Original Baby // Download
7. One Kain // Download
8. Take Me Back ft Adekunle Gold // Download
9. O wa N’be // Download
10. Smile For Me // Download
11. Angelina // Download
12. Hip-hop Hurray // Download
    Bonus Tracks;
13. Love don’t care // Download
14. Jamb Question // Download
15. Tiff // Download

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Full List Of BET HIP-HOP AWARDS Nominees For 2017

New girl on the block Cardi B earned a stunning number of 9 nominations on the BET hip-hop awards nominees list 2017.

DJ Khaled and Kendrick Lamar also topped the number of nominations on the list with both artists being nominated for ‘Album of the Year’. Resurgent veteran rapper and business mogul Jay-Z earned a good number of nods too.

The BET Hip-Hop Awards 2017 are set to take place Oct. 6 at The Fillmore Miami Beach at Jackie Gleason Theater in Miami, and will air Oct. 10 at 8 p.m. ET/PT. See the full list below..

BET HIP-HOP AWARDS 2017 NOMINEES

ALBUM OF THE YEAR
DJ Khaled – Grateful
Future – FUTURE
J. Cole – 4 Your Eyez Only
Jay Z – 4:44
Kendrick Lamar – DAMN.
Migos – Culture

BEST NEW HIP-HOP ARTIST
Aminé
Cardi B
Kodak Black
Playboi Carti
Tee Grizzley

HUSTLER OF THE YEAR
Cardi B
Chance the Rapper
Diddy
DJ Khaled
Jay Z
Kendrick Lamar

MADE-YOU-LOOK AWARD (BEST HIP-HOP STYLE)
A$AP Rocky
Cardi B
Future
Migos
Nicki Minaj

BEST MIXTAPE
Cardi B – Gangsta Bitch Music Vol. 2
Gucci Mane – Droptopwop
Juicy J – Gas Face
Playboi Carti – Playboi Carti
Tee Grizzley – My Moment
Yo Gotti & Mike Will Made-It – Gotti Made-It

SWEET 16: BEST FEATURED VERSE
Chance the Rapper – “I’m the One” (DJ Khaled feat. Justin Bieber, Quavo, Chance The Rapper & Lil Wayne)
Gucci Mane – “Black Beatles” (Rae Sremmurd feat. Gucci Mane)
Lil Uzi Vert – “Bad and Boujee” (Migos feat. Lil Uzi Vert)
Nicki Minaj – “Rake It Up” (Yo Gotti feat. Nicki Minaj)
Ty Dolla $ign – “Ain’t Nothing” (Juicy J feat. Wiz Khalifa & Ty Dolla $ign)
Wiz Khalifa – “Ain’t Nothing” (Juicy J feat. Wiz Khalifa & Ty Dolla $ign)

IMPACT TRACK
Cardi B – “Bodak Yellow”
Jay Z – “Story of O.J.”
Kendrick Lamar- “HUMBLE.”
Kendrick Lamar – “DNA.”
Lecrae – “Blessings” feat. Ty Dolla $Ign
Tyler, the Creator – “Who Dat Boy” feat. A$AP Rocky

BEST HIP-HOP VIDEO
Cardi B – “Bodak Yellow”
DJ Khaled feat. Rihanna & Bryson Tiller – “Wild Thoughts”
French Montana feat. Swae Lee – “Unforgettable”
Future – “Mask Off”
Kendrick Lamar – “HUMBLE.”

BEST COLLABO, DUO OR GROUP
DJ Khaled feat. Rihanna & Bryson Tiller – “Wild Thoughts”
French Montana feat. Swae Lee – “Unforgettable”
Migos feat. Lil Uzi Vert – “Bad and Boujee”
Rae Sremmurd feat. Gucci Mane – “Black Beatles”
Yo Gotti feat. Nicki Minaj – “Rake It Up”

HOT TICKET PERFORMER
Cardi B
Chance the Rapper
Drake
J. Cole
Kendrick Lamar

LYRICIST OF THE YEAR
Chance the Rapper
Drake
J. Cole
Jay Z
Kendrick Lamar

VIDEO DIRECTOR OF THE YEAR
Benny Boom
Colin Tilley
Dave Meyers & Missy Elliott
Director X
Hype Williams

DJ OF THE YEAR
DJ Drama
DJ Envy
DJ Esco
DJ Khaled
DJ Mustard

PRODUCER OF THE YEAR
DJ Khaled & Nasty Beatmakers
DJ Mustard
London On Da Track
Metro Boomin
Mike Will Made-It
Pharrell Williams

MVP OF THE YEARCardi B
Chance the Rapper
DJ Khaled
Jay Z
Kendrick Lamar

SINGLE OF THE YEAR
“Bad and Boujee” – Produced By Metro Boomin (Migos feat. Lil Uzi Vert)
“Bodak Yellow” – Produced By J. White Did It (Cardi B)
“HUMBLE.” – Produced By Mike Will Made-It (Kendrick Lamar)
“Mask Off” – Produced By Metro Boomin (Future)
“Wild Thoughts” – Produced By DJ Khaled & Nasty Beatmakers (DJ Khaled feat. Rihanna & Bryson Tiller)

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MUSIC & VIDEO: Omi Hanifa Ft. Olamide – Wave (Remix)

Omi Hanifa join forces with YBNL boss to present this dope remix for his hit record titled Wave.

Download and Enjoy..

DOWNLOAD MUSIC: Omi Hanifa Ft. Olamide – Wave (Remix)

Or Watch the Video below..

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FAST DOWNLOAD: Olamide Ft. Dj Consequence – ASSIGNMENT (Prod. Young John) [Mp3 Music]

YBNL Boss, Olamide is back with this fire tune titled "Assignment". He get Dj Consequence and Famous producer, Young John The Wicked producer on this one.

Download, Listen, Enjoy, and share your thoughts below..

DOWNLOAD: Olamide Ft. Dj Consequence  – ASSIGNMENT (Prod. Young John) [Mp3]

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FAST DOWNLOAD: Ice Prince Ft. Olamide + Mr Jollof – Owonikoko (Mp3 Music)

Super Cool Cat boss Ice Prince links up with Nigerian Talented artist Olamide aka Baddosneh and Mr Jollof on a new track they dubbed Owonikoko, Owonikoko mp3 music is a super hot tune which will make your playlist, with Ice Prince taking the chorus and Olamide proving he still in the game of Rap, as he drops dope punchlines.

Download, Listen, Enjoy, and share your thoughts below..

DOWNLOAD: Ice Prince – Owonikoko Ft. Olamide + Mr Jollof (Mp3 Music)

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FAST DOWNLOAD: YCee Ft Tinny Mafia – Komije (Mp3 Music)

Ycee drops off a new tune dubbed Komijie featuring Tinny Mafia, this track comes as sequel to his previous hits

Download, Listen, Enjoy, and share your thoughts below..

DOWNLOAD: YCee Ft. Tinny Mafia – Komije (Mp3 Music)

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FAST DOWNLOAD: Selebobo – I Don’t Care (Mp3 Music)

Made Men music group presents the new single “I Don’t Care” By their multi talented act Selebobo, this comes to prove more success for the Producer/Artiste.

Download, Listen, Enjoy and share your thoughts below..

DOWNLOAD: Selebobo – I Don’t Care (Mp3 Music)

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