Poor credit rating - cards turned off but need a loan real quick! Advice needed!!

zappafan_2

Hi guys, how are ya?

I got myself into a bad state about 2 years ago & racked up a large amount of debt on cards. I have since done everything I can to sort myself out (moved in with my parents, stopped using cards completely etc) & since then Ive paid off over 10 grand, leaving only about 3 grand left. I have standing orders with my remaining 3 cards of about 3 times the minimum payment required & have had for about a year & a half, however, they are all still refusing me the use of my cards.

As well as working 2 jobs, I have set up my own record company, however, I have just been made redundant from the one job & the remaining one is only a contract job for another month. I need £500 really soon (like, a week!) as I have managed to get a really good deal on CD mastering for the 1st scheduled release on the label. I was going to put it on a card as it is a relatively small amount & once I have the cd master, I can start selling the thing, plus I'm in the process of organising a european tour which will earn more than that amount many times over - however, neither the release, nor the tour can happen without the actual product itself!

So thats where I'm at - a catch 22! I just assumed that since Ive been paying triple the minimum payment for over a year, that the cards would be reactivated & I could borrow the money, keeping the payments runnning & as soon as the tour & sales money comes in, in a few months, I can pay it all back in one lump sum. But now they're saying that i cant have any credit on the cards & its brought everything Ive worked for the last few months to a complete stand still & Ive got people waiting on me to get things moving!

So....

Is there anywhere that I can get a real small loan from to cover my initial investment even though my credit rating is (still, it seems!) really bad!? Any ideas at all guys? I really didnt want to resort to cards again but the loss of my main job has thrown things off & were now literally a week away from mastering & I just need to keep things moving. Once Ive got the product, I know I can make the money back easily!

Any ideas? I appreciate that this is a strange one but any ideas at all would be massively appreciated as Im getting a bit stressed now!

Thanks in advance guys, hope all's good!