Anar, B, Founder of 'Aran Dental' clinic located in the capital city Ulaanbaatar, Mongolia When I first opened Aran Dental in 2018, we began with only 3 staff members, limited equipment, and no working capital. We operated from 9:00 AM to midnight, earning the reputation of being the “clinic that never closes,” simply because we needed every patient to survive those early months. Through perseverance, our patient base grew rapidly through referrals — the most powerful marketing in the dental industry. However, our growth reached a ceiling: without an X-ray machine, we could not expand services or improve diagnostic quality. The cost of modern equipment was high, and traditional loans were complex and difficult to access. My turning point came when I joined Khan Bank’s SME Academy training for women entrepreneurs. The training reshaped my understanding of business — from HR and operations to financial planning and digital transformation. I realized that to grow, I needed to build a structured, scalable business, not just be a hardworking dentist. Through the SME Academy, I learned about the digitalization loan for women entrepreneurs and applied. The process was simple, transparent, and offered a 10% cashback which made the investment significantly more affordable. With this financing, I finally acquired a high-capacity digital panoramic X-ray system — a critical upgrade after 7 years in business.