We had a call today from an individual looking to set up a recruitment business for chefs. His personal bank would not help, mainly as he is not a home owner. We have put together a sensible business plan and brought in a couple of possible factors to compete for the business, so far one has already come back with an in principle offer. There are a lot of providers competing for business so even if the bank says no, there may still be help out there. Finding money is not that easy which is why a specialist, independent, broker can add value.