Experiencing difficulties in the business

I have a fast food business and hotel for the last 11 years. I have worked very hard and developed the business very nicely. From last year 2012 it is going downwards and I am suffering from various problems. Business is not good and I have money problems and loan problems. I attend namaaz and I read many things in the day and night, but I can't understand what is happening in my life and in my business. My condition is becoming very bad day by day. Please tell me the solution or give me any wazifa so I can get some help.