As self-employed individuals, a lack of capital can certainly stand in the way of your success. And while turning to traditional banks for loans can seem like an alternative, the stringent policies may result in some falling into unnecessary debt loans.

Today on Money and Me, Dan Koh invites Jenn Ong, Head of Credit Products, GXS Bank to break the notion that loans and credits are something to be avoided, and how they can be redefined as empowering tools to the financially underserved.