A Fin24 user writes: We (four directors) are starting a small transport business (delivering sand, stone, etc). We all have our day jobs as well. We are in need of a R100 000 to purchase a tipper truck. There is no way a bank will give a startup business this kind of money. We want to know if two individuals can take out one loan, or how can we get a loan to buy a second-hand truck?Business development consultant Anton Ressel responds:My suggestion, before looking at any commercial loan option or personal loan - which will require surety and attach onerous interest - would be to contact the Small Enterprise Finance Agency (SEFA) and find out if you qualify for a loan through its channels. Their website is www.sefa.org.za, but you should rather call them on 08600 54852. - Fin24* Do you have a pressing financial question? Post it on our Money Clinic section and we will get an expert to answer your query.*Follow Fin24 on Twitter, Facebook, Google+ and Pinterest. Disclaimer: Fin24 cannot be held liable for any investment decisions made based on the advice given by independent financial service providers. Under the ECT Act and to the fullest extent possible under the applicable law, Fin24 disclaims all responsibility or liability for any damages whatsoever resulting from the use of this site in any manner.