I had a loan from them starting out years ago now but I had to fight for it. They seemed to think that my parents could give me the money, as I had been at Cambridge uni
and also thought it was going to be more of a hobby than a business
The panel to me didn't seem a fair representation of society! Fortunately I was able to pay off the loan fairly quickly and leave their system...
Not too keen but I guess they do help a lot of people..
Pauline