what you could do is start with a small broker business in personal lending. Join http://www.cashpal.com.au ( ready to launch in three months ) and earn an incremental on going income that you can set as a building block for your business income. The plans allows for an income of up to 3000 per month and allows you to get on with your main stream business. CashPal is in a sector of the market that isn't heavily regulated yet. The business comes with all the infrastructure required, staff, support and a process. The advertising is done for you and all leads are yours for the area you operate in. Drop me a line for info at anytime [email protected]