Opening my café one morning, I discovered to my horror that our old oven was no longer functioning. It was a big concern because a proper oven is very expensive and without a replacement we would lose a substantial part of the daily takings as very few customers want to drink tea or coffee without a fresh warm pastry. We did not have time to go through the bank loan application procedure: we needed an immediate solution. So we borrowed the money from Evergreen Capital and bought a decent-size modern oven for our large kitchen. The monthly interest was 3.4% but we repaid the loan in 10 months and our business continued successfully.