Hi, I'm looking to get a £35k business loan (probably over 5 years). My 1st year was 27k and second year is 89K turnover. Profits have been minimal due to substantial reinvestment - though look very promising. I have 2 queries: 1. I realise that as a proposition to a lender, I'm not the most attractive and have been offered paltry amounts by Barclays. Personally I am not a home owner and have what Experian view as a 'Fair' credit rating. No adverse credit though. A broker has said that they can get me the £35k (unsecured/personal guarantee obviously), though their fees for doing so are £2,300 + 16% minimum...what are peoples thoughts? Extremely high or the reality of my position? 2. Another option is to go with a government backed lender with a very long winded application process. However on one of their application documents, they have asked if I have ever had a company that ceased trading, or one that went into liquidation. Yes I've had a few hobby businesses the last of which I voluntarily struck off in 2015 - never adverse credit/bankrupt. One however, in 2005 was voluntarily liquidated (no longer wished/was viable to run the business and had about 10k corporation tax bill to pay). How long do searches go back, will this prejudice my application, and should I disclose this? Any advice much appreciated!