Banks discriminate against self employed people almost as much as they do against those with poor credit, yet I believe the self employed are the backbone of this country. They provide more employment for the rest of us than all the big companies put together.

If you've been in business less than two years, the bank will baulk at lending to you as the boss, but they'll give your foreman or secretary a loan ahead of you! This is crazy!

Fortunately there are a few progressive lenders who appreciate the value of self employed people and who know how hard you work to get ahead.

Even if you've only been in business for one day, I may be able to find a solution for you. However, you will need to be able to offer more security or deposit than normal. If you are wanting a low equity loan, I will be unable to help.

For those who have been in business for more than a year and for whatever reason are unable to provide financial records to satisfy the banks, you can simply make a declaration of your income. You will need to be able to provide adequate security however.

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