We extend small loans (microcredit) to borrowers who typically lack collateral, steady employment and a verifiable credit history. With interest as low as 5.75% this will enable clients/borrowers to increase turnover, purchase new stock or start their own businesses. This idea is not only designed to support entrepreneurship and empower more people to attain the middle class status, but also in many cases to empower women and uplift entire communities by extension. We also provide a wider range of financial services, especially savings account to clients who wish to save for contingencies.