Thanks for all the replies. But I cant get a loan as when I close the cafe, I wont have any income. The bank will look at my current business, estimate the future sales for next 1 year, which are low. And refuse the loan. I cant get the IRD small business loan as due to COVID, the business is not viable. It was viable before COVID. But the revenue has not bounced back. I dont think the government really understands small business.