If you are thinking about setting up on your own, have you thought it through fully, you mention you don't know weather or not you can get a loan, have you done a business plan? do you know how much money you need to live off each year, have you done a cash flow chart etc etc etc
One other thing, if you go down the finance road with Ionics for the Van and full set up just double check the small print to see if you are personally guaranteeing the finance ie IF you stop trading because you cannot make the business work , will you STILL have to make the monthly repayments OR make up the short fall in the finance, would you be able to afford this ? lots to think about ......
good luck with your new venture
Paul.