I have got a problem. I have completed my graduation in fabric technology and I am looking for a job. It's not easy for me to get a job since I don't have any work experience. So I am planning to start a new designer shop along with my friend. She told to get a mortgage from Northwood mortgages (http://www.northwoodmortgage.com). Is there any way I could start a business without applying for a mortgage? Any thoughts on this would be appreciated.