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#881053 - 12th Jun 2014 7:27pm Loans, Where to go?
ShaunTheSheep Offline
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Registered: 9th Jul 2012
Posts: 216
Loc: Wallasey
My past History with credit has not been too great, like most. But however over the past 12 months, I have been building it back up. I've financed a car in the past 6 months, been accepted for credit cards.

Now the finance was taken out on an affordability test, not a credit score. I needed to prove my income and show that I can manage re-payments.

I'm now looking for a loan for a little business venture, does anyone have any idea if there is anyone out there like my finance company who go down the road of affordability rather than credit score?

Mostly appreciated in advance!
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shaunthesheep

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#881064 - 12th Jun 2014 8:31pm Re: Loans, Where to go? [Re: ShaunTheSheep]
Finney Offline
Smartchild

Registered: 22nd Feb 2012
Posts: 415
Loc: here & there....
Try Tesco Bank. I have used these several times and the interest rate is normally a lot cheaper than my bank.

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#881108 - 13th Jun 2014 6:51am Re: Loans, Where to go? [Re: ShaunTheSheep]
rossie Offline
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Registered: 7th Oct 2011
Posts: 277
Loc: moreton
If you have problems apply for an Enterprise Finance Guarantee loan under written by the government.Or apply through Wirral Biz or whatever it is called now.

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#881140 - 13th Jun 2014 10:57am Re: Loans, Where to go? [Re: rossie]
ShaunTheSheep Offline
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Registered: 9th Jul 2012
Posts: 216
Loc: Wallasey
Any idea where to start with that? Who would I need to get in contact with.

Thanks
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#881141 - 13th Jun 2014 11:01am Re: Loans, Where to go? [Re: ShaunTheSheep]
Gibbo Offline
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Registered: 27th Dec 2010
Posts: 1787
Loc: Oxton
I found this about Wirral Biz:

http://www.senw.org.uk/business-support/wirralbiz/

But their link goes to a holding page and references to this:

http://commercehousewirral.co.uk/

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#881144 - 13th Jun 2014 11:43am Re: Loans, Where to go? [Re: ShaunTheSheep]
ShaunTheSheep Offline
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Registered: 9th Jul 2012
Posts: 216
Loc: Wallasey
Yes, I tried wirralbiz earlier and they are non-existant now.
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#881241 - 13th Jun 2014 8:53pm Re: Loans, Where to go? [Re: ShaunTheSheep]
rossie Offline
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Registered: 7th Oct 2011
Posts: 277
Loc: moreton
The Enterprise loans are available through the banks and you can apply direct yourself but the advantage of going through the likes of Wirral Biz is that they draft up a business plan to support your application.
There are other loan schemes around including peer to peer lending but you have to be careful with these as there are a lot of wide boys and they demand too much equity.

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