Not everyone has bags of cash saved or a pot of inheritance to start up a new business. And not everyone wants to spend years paying back a bank loan on top of their mortgage, car loan and a raft of other household bills. If you’re a small start-up with no track record of making money, is there an alternative to approaching a bank for a loan? Financial business consultant Neil Debenham chats all things funding and where new companies can turn. Start-up Loan Scheme Launched by the government in 2012, the scheme is a fixed-interest loan of between £500…