Early this year, I created a thread for this... "Are you one of those who are taking up another course or a masters degree and at the same time running a business? The reason why I'm asking is I'm also planning to put up a small business while I'm studying. But I'm worried about time and stress. How do you manage your time? And also, would you be able to recommend a good financing firm to assist me with my capital? Thanks and looking forward to read your comments." Unfortunately, no one cared to reply :-( lol. But it's ok I have postponed my plan and most probably, will pursue it sometime June or July. And btw, I got an offer from a credit union company and they said that I'm legible for loan application. I'd just like to get your opinion in case you have any experience with credit unions. Thanks.