Start-up business accounts are free for 12 months.

One student who came to him pitching for investment for his start-up business was so excited that he quit his degree, he said.

Can you think of a start-up business idea?

Nine out of ten franchises are in profit after their first year and banks will lend far more money to a franchise than a normal start-up business.

Nor did he want to go back to haggling with banks to secure financial support for his start-up business.