I see myself as an excellent candidate for repaying your loan to me. Why? Because I have leverage. I am extremely keen to start a business again. I am very keen to contribute to my family income again too. Traditional finance apps have not worked because of the current credit situation and by me having a discharged bankruptcy entry (2yrs) on my credit file. Whilst I understand this is seen as a weakness by financiers and maybe by you, I also see it as a huge positive because of the learning that came from it. I would like to explain what happened if your interested. It was an ATO debt not a consequence of a failing business, and was born from personal circumstances which have now gone. The income generated from the coffee cart I am interested in will far out way the required repayments. You can see more information based on a previous application here: http://web.me.com/moonlights/MOJOS/MOJOS.html To me it's not rocket science. At a monthly repayment of apprx $903 (at 18%) I would need to sell just 10 coffees or icecreams a day at $4 for 5 days of the week. That includes 25 % COGS. The over heads are low and there is no rent as I'm out on the streets. The money will go to: 20 000 for the van, 5000 for a generator, branding, for misc permits, rego transfers and transport of cart from interstate, start up stock, other equipment (smoothies, food warmer etc) Total = 25 000. Despite me being extremely confident of my ability to repay you, you don't know me, so as a back up my wife is happy to be guarantor if required. She has more than enough equity in our home. It is my choice to be accountable in the first instance for my borrowings however. My business goals and visions are well beyond a single unit. This will provide me with the 'feel' for what the market needs before I pursue further expansion.

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