Matt.
It’s a business loan, not sure what the APR is off hand I will need to speak to my secretary when she comes in, (I let her deal with that side of things) A phone call to Lloyds will tell you what they are offering.I needed to upgrade a load of equipment plus had a credit card costing me a fortune so just figured I would ask the bank, they could not have been more helpful.
From George I printed off the total monthly value of the business, This gave him the amount of jobs on my books and enabled him to see what my potential earnings are, I have been gradually growing for the last 12 months so by comparing what I gave him when I joined and now he could see I was a safe risk.
I print off and keep a copy from George on the first of every month so I can see how things are changing; I have loads of graphs and crap like that for all sorts.
I have not tried WCP but would imagine you can do the same, I have been thinking of changing over to WCP though as my round is so big now I am finding George lacking in one or two areas.