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    Money is always on offer to those who don't need it. That's one of banking's oldest truisms. But there are good reasons for using a loan broker:

    1. They know who has an appetite for your particular type of risk so can go straight to the right source.

    2. They know what each lender wants to see in your business plan so can help you write it for the best chance of success.

    3. They can put your proposal up to a number of lenders on a 'no-names' basis so your credit is not being checked many times over. Nothing short of a default lowers your credit score faster than a quick succession of checks on your record. Once you have an 'in principle' approval your credit can be checked-once only.

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