A lot of people fell through the gaps in the Government's plans to help us get through the fallout of coronavirus - but a new scheme might offer some hope.
That's because the new Business Bounce Back loans can be taken out by almost anyone with a trading business, Martin Lewis explained on tonight's ITV Money Show.
"When this came out I started to look at the terms, and I realised that some of the people that missed out on the self-employed help scheme ... this might actually be a way to get some support."
If you had a business before 1 March 2020 you can apply, as long as it's still trading at the point of application (temporary breaks because of coronavirus don't count) and the reason for any issues must be due to coronavirus.
"You can be a very new business to get this," Martin said.
The new scheme lets you borrow between £2,000 and £50,000.
The amount is capped at 25% of a business' turnover - usually for calendar year 2019 - bit a newly set up business can estimate its own.
"The big thing you need to understand - in the first year no interest, and you make no repayments," Martin said.
"You can repay early with no penalties."
After the first 12 months, and after that all banks will charge a fixed 2.5% annual interest.
This is not free, but it's still cheap.
"There are no commercial loans anywhere close as good as this," Martin said.
"They won't be looking at your credit ratings - business or personal - so most people should be able to get them."
And the better news is that there's nothing in the rules to stop you using this cash to support your normal income.
"You are allowed to use this to support usual income," Martin said.
That means people who missed out on the self-employed grants or are directors of companies who don't pay themselves much income so can't use the furlough scheme could qualify for this.
Now, this is a loan - rather than a grant that's being handed out to others - so it has to be repaid.
But it's better than nothing if you're struggling, he added.
"It might give you a bit of help," Martin said.
Typically you need a business bank account to take one out - but that could be easier to set up than you might think.
Martin advised people having trouble, to try one of the new online challenger banks.
"If you're struggling with your own bank, Starling is opening [the loan scheme] on Monday," Martin said.
He pointed out that being online only, it might well be quicker to set on a new business account with them than go to a traditional provider.
Martin has a full guide to the scheme - and what it can and can't be used for - online here.
