Dear Google Answers,

I live and work in England - UK - I have my own business, an eBusiness
Consultancy, and I also work weekends.  to be honest, I only worked
weekends because I was a bit scared the eBusiness wouldn't take off,
but I have a great sales team paid on a per lead basis, and things are
beginning to take off.

My business is starting to grow, but it needs a bit of capital.

My fiance and I are also saving to gget married.  We have enough money
to do one or the other really, so we only neeed one loan, of about
£10,000.

Last year I made around £6000 from my business, thats just six
thousand.  We've had personal problems and I have not been confident
about making sales.

Now, things are really changing.. my average lead is worth £2000, ten
times mre than last year, and I have over 40 good leads, I think we
will make around £60000 - £25000 Gross net profit this year, if we
work at it.

My business is a sole trader, and I don't want to go the route of
setting up a limited company, because of the accountants fees are so
high to submit the accounts to the Companies House.

Also, and we don't want or bank manager to know this (it might sour
the likelihood of us forging a good relationship) we intend to
emigrate to the USA in 12 months.

I'd be taking my business over there too, and my client list - it will
all work out fine, but I will probably change banks for the business,
as HSBC are not well represented where we are going.

Anyway, the dilemma is what kind of loan to go for; a personal loan or
a business loan?

I am unsure if the rates differ, I do know that with a personal loan I
don't need to have a lengthy meeting to submit a business plan in a
pre -agreed format.

But then again, business bank manager might be able to offer
additional services to make the busines sloan more enticive.

I don't want to see him and tell him I need a loan for 1 of 2 things.

Although I have a business account and a current account, I tend to
wire the money back and forth between them; the bank statements do not
read like a professionally run business, and with just £6K made last
year, even if they were kept professionally I think it would be a turn
off.

Any ideas what I should do - or does anyone recommend an alternative
to a bank loan?

PS - we have no significant assetts; my Fiance and I are renting a
house with a housemate, our cars ar worth £500 + £1600.

With my skills, I could work full time for £30K a year, but I want my
business to grow so Maggie and I can take it to America, and start a
new life together.

In Maggie's line of work, there is a lot of opportunity for her to
make about 40% more than she makes here, and with a bette quality of
life for both of us.