Hi Im currently in the process of setting up a painting and decorating business in North Wales. I know many of you will say this isnt an ideal time to start up such a business but its a case of needs must. Ive been in the trade for 5 years and this is my ambition to have a family run business. Ive recently been made redundant and lack of jobs in the area means theres no better time for me to go it alone. Unfortunatly theres one main issue...lack of initial funds. Ive calculated that I will need roughly 10 to 12k to set it up. Ive tried getting business loans, grants, begging family members etc all to no avail. Starting to panic slightly now as I have a mortgage and 2 small kids to look after....argh! anyway any advice from you knowledgeable (bad spelling!) lot would be much appreciated...kind regards, Andy Haworth.