i bought the current shop im in with all borrowed cash(cos it was a good deal)and i didnt have any!
£30k on a small firms loan guarantee scheme (now called something different i think)basically if you go bust the eu coffs up to the bank.you need a good business plan for this
£10 personal loan,i think i said a kitchen! id spent a year before trying to improve my credit rating(which is pretty easy,look at equifax and experian to see where you stand)
the shop at the time had a to of £275k but the profit had been consistently £40k for five years and the ave margin was 37% i hawked it round mates who were accountants,business people etc and got them to look at it(cheaper than a going to see a pro)