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Unfortunately the sad reality is getting finance for a startup is not typically going to happen without some sort of security. Unless you’ve got the next Google or something where you can attract angel investors or seed capital from sophisticated high net worth individuals (who will want a share in the business, obviously), your options are limited. Even businesses that have been trading successfully for a few years tend to struggle to get bank finance.

Personally, I’d tend to approach friends or family if you can’t get a personal loan or secured finance. Good luck!