Daniel, should you ever find yourself looking for startup funds in the next few years then you ought to check out the Prince's Trust.

While what they do is technically give loans out (as well as training, mentors, ongoing support, free stuff, etc) you'll never find up to 4grand at just 3% APR, with the first 4 months repayments at £20 and the following at £120.

Great charity that have helped a few friends of mine.