I started a business through the princes trust back in 1992, the important thing is to have a bombproof business plan and cashflow forecast and do plenty of market research, it also helps if you have a bank that will agree to lend you half the required amount if they lend you the other half, the worst bit is when you have the meeting with a panel of pybt representatives who give the final decision, the upside is that you will get a business adviser allotted to you who, in my case, I had to meet once a month for I think 2 years, every month brought a sleepless night of trying to get the paperwork in order for the visit, it sets you straight from the beginning and came as a bit of a shock but the result is I'm still fussy about paperwork now, if I were starting a business for the first time now I'd go through them again, Andy