Hi, right now I plough many hours of my time into somebody else's business. It happens that this is my egocentric, selfish and ungenerous partner.
I could do this hands down by myself, and the secondary line to his business which we run as unofficial partners (obv. not wise or in my favour) I do do pretty much by myself except for the financial input.
I come up with all the ideas, all the strategies.
I do all the liaison with clients, all the invoicing, emailing and so on.
I developed the 'brand' and ethos and have a handle on all the legal aspects and conformity to guidelines.
Christ, I even get calls mid-nappy change to ask how to work out 'percentages of things'.
I have no money and am a lone parent to 4 children. I am utterly sick of the fact that I hold the brains but not the cash and as a result I am investing my expertise into something I am unlikely to financially benefit from.
In the beginning I was okay with the status quo because it was a good opportunity to test the water with a new type of business for me but as time goes on I realise I am a mug to let this continue. Which takes me to my query:
If I wanted some cash to start up myself or continue myself how could I go about achieving this with a dire credit rating?
I couldn't even get a mobile phone contract to be frank.
Is there a smidgen of a chance I could get a start up loan in order to finance some advertising, equipment purchasing and perhaps design of a website/hosting/domain registration?
I am thinking of going to some sort of agency that deals with this sort of thing to ask but fear that it would be a pointless exercise due to poor credit history.
I'd be more than able to devise a business plan if I thought it could be worthwhile to invest time in doing so.
Anyone know about this?