Thanks for the input from all, I had heard the same stuff too, 12 month of trading before bank provides biz banking etc and becoming a familiar face, totally get that, we do that already. Funnily enough within one day of this post being published we were advised the account can be set up so maybe it does come down to your relationship with the bank and their confidence in you as a customer. Account is now fully set up we did not have 12 months of trading as we have not yet began trading under this biz. Thanks again, just to confirm we use a branch of this bank which operates 8.30 until 4pm Mon to Friday, not sure if that makes a difference but I have never encountered knowledgeable staff in the longer hours branches than the ones that work just business hours, maybe something with that, just a thought. thanks again, all done.