They do give out individual loans and the best bet is Family Bank. They gave me a loan back in 2008. I had unsuccessfully tried to get a loan from KIE but i never got to know what happened. We were taken round in circles after attending a "youth enterprise workshop" till i gave up. Luckily Family bank came through... am not sure if they are still giving out loans but its worth a try
Common sense is the most evenly distributed quantity in the world. Everyone thinks he has enough.