This is for simple reason the inflation of neira compared to the price of dollar so the price of dollar is increasing each year and price of building products increases each year so it is wise get bank loan for starting a business rather than collect funds and be surprised by new price of metal of next year while if you get bank loan and purchase them last year then you will be winner.it is good to have good money for some businesses here in Nigeria now. it is becoming very difficult now to start a business as a lot of things have gone up now