Banks not lending? Need to borrow a relatively small amount, say £10k-£100k? Then you could try P2P (peer-to-peer) lending, which allows individuals to lend directly to businesses. Some of the most famous P2P marketplaces include Zopa, Funding Circle and Thin Cats.
But what if you need larger amounts? Well, help may be on its way. The government has suggested the creation of an agency that would bundle together small business loans. This would presumably not only increase the amounts available for companies to borrow, but also attract the attention of private investors who may see this as a profitable activity.