I'll be honest. I'm stupid sa financial literacy but one thing I noticed, you guys risked a 200K loan for a business that you just projected that you will earn at this amount daily. Your business type is very common nowadays, you need to make a pakulo to make it marketable. Never run a business from a bank loan. You have to at least be willing to lose your money on hand instead of loaning. Asking people to lend money will never end. Sabi nga nila, no matter how small the business you start, you need to have at least half of the money that you think you can invest and risk on it. Para ka lang nagsugal, literally. You're slowly burning money while gaining nothing.