When I started out in business, there were essentially three ways you could fund a new venture: Obtain financing through a family member or friend, a private investor, or – as was most common – borrow it from the bank. While the first two still remain viable options, the recent global banking crisis has meant that lending by banks – many of which in the U.K. were bailed out by the government – all but dried up. This led to conventional debt becoming extremely ...

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