Less than 10 years ago, I just turned 20 then, I needed an additional capital to expand my business.

And so my father, who was mentoring me, decided to help me get a loan. He knew the owners of Asia United Bank, a newly opened bank at the time. He introduced me to the VP of the company and scheduled an appointment with him.

So I met with him. He asked me about my business. How it was doing? What are my marketing plans? How do I handle this and that? I was a 20 year-old young zealous entrepreneur back then and so I gave him my pitch! [Read more]