If you have some collateral, that doesn't mean you shouldn't invest. And I may have a solution for you - dealing in modern art and vintage late twentieth-century furniture. You may think this is the reserve of the posh and rich. But, as a one-time working-class lad from East London, I can tell you it absolutely is not.
Today, two of the major UK business organisations delivered more good news on the economy. The Confederation of British Industry (CBI) announced the best UK growth figures in May since 2003, and the British Chamber of Commerce (BCC) upgraded its forecast to 3.1 per cent for 2014, the highest rate since the 2007 crisis...
Silicon Valley, the world's leading place for high-tech innovation and development, has been home to many of the world's largest technology corporations since the 1940's. Several generations of start-ups to exit companies which have generated huge amounts of revenue have led to investors re-investing due to its success.
Britain now has one of the most attractive tax systems in the world with Corporation Tax falling to 20% next year. This is great because business people and investors are vital to the future of the UK economy. We should never be embarrassed about wanting to attract people who can come here to create jobs.
Let's not forget that heated, intense competition is what brought us the banking crisis. Competition between banks - to be the biggest, the most profitable - stoked the selling of inappropriate mortgages, PPI and interest rate manipulation. Competition between traders or between salespeople - many of whom are measured daily by their earnings, with some firms posting these numbers publicly - is precisely what drove otherwise good people to do bad things.
The headlines following this week's Budget understandably focused on pensions and savings, with significant proposals announced that will fundamentally change the way people save in the UK. It was hailed by many as the biggest pensions shake-up for a generation, and so it is not surprising that this was the focus of debate in the immediate aftermath.
It has long been a commonly held view that this generation, like the babyboomers before them, have never had it so good, with a higher take home salary and booming property market. However, it appears that the rising cost of living, increasing life expectancy and changes to the pension system have started to have an effect.
If ever there was a sign of the changing nature of British enterprise, it was the recent publication of the CBI's new 'Creative Nation' report. Here was the UK's premier business organisation, traditionally associated with manufacturing industry, throwing its considerable weight behind the far less tangible businesses of computer games, rock bands, books and movies.