Industry sector: Retail and wholesale

Antique dealer: Bank/finance charges/interest

You may decide to borrow money to finance your antiques business, either by way of an overdraft or a loan.

You will have to pay interest on any money borrowed and there will also be bank charges due on the operation of your business bank account. Interest and charges are normally debited from your bank account every quarter - your bank will help you to estimate the amounts that will be due.

Include here any PayPal, Nochex or similar fees that you incur for accepting electronic payments - perhaps for items you've auctioned on eBay or sold through other online marketplaces.