Hello - my wife and I run a small business that is doing quite well in general. However, because of the type of work we do (project-based), the work can be sporadic and we had a lean period of no work before Xmas , so there is no money due into the company until March/April, after we've finished the current project at teh end of this month. we currently have no money in the bank but a long list of creditors, including 4 employees. For months we've been working on getting a loan to bridge the gap between now and March/April but because we were unexpectedly broke b4 xmas we missed two loan payments and have been refused loans by almost all the banks because of that. We applied to one bank and tehy seem positive but haven't given us a definite answer despite daily calls = all they say is that the decision stillh asn't been made by the board. My wife and I are under a huge amont of pressure now - our priority is the employees, but also our own mortgage payments are due etc. We don't have savings and because we haven't received salary in a fwe months, we can't get personal loans. Does anyone have any ideas.