Instead of operating as a fund, with a specific end date by which it must pay back its investors, Allied Minds is structured like a holding company.

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If the parties do plan to sign one, it should include a date by which the employer must pay what it already owes the employee.

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The Labour leader used his next questions to ask about the Business Growth Fund - which Mr Miliband claimed had only helped two business to date - and a report that suggested directors' pay rose by 50% over the last year.

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The research agency Forrester says NFC has only had a limited impact to date as retailers have been put off by the cost of the equipment and the prospect of having to pay a new fee to banks and credit card companies that handle the transactions.

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