You need to show your first years set of accounts if you want to take on some debt.Regarding being on a treadmill,cannot get ahead etc.,get used to it....most of us have been doing that for years.I am not trying to put you off,but if you search free company check for dealers you know and who you think are successfull,check their liabilities and you will get the picture ! Your business model sounds OK to me,see if you can get know a transport manager at one of those large companies and you might get some cheap stock and transform your business.