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                                    Various methods of attracting Investment for Businesses

                                    Various methods of attracting Investment for Businesses

                                    The leading providers of finance for businesses are banks and financial institutions, but the government does provide some assistance.

                                    When presenting your ideas to potential investors/lenders, it is wise to create a business plan.

                                    The information below provides available options for both start-up and existing businesses.

                                    CONTENTS

                                    USING A FINANCE BROKER
                                    WHY USING A FINANCE BROKER CAN BE USEFUL FOR BUSINESS?
                                    PERSUADING THE BANK TO INVEST IN YOUR BUSINESS
                                    EQUITY CAPITAL
                                    INFORMAL INVESTMENT -‘BUSINESS ANGELS’
                                    GOVERNMENT LOANS, GRANTS AND SCHEMES
                                    PEER TO PEER LENDING
                                    CROWDFUNDING FINANCE
                                    DO I NEED INVESTMENT?
                                    ARE YOU ALREADY IN DEBT?

                                    USING A FINANCE BROKER

                                    Many financial proposals are turned down because they are packaged and presented in the wrong way and even presented to the wrong lending organisation – leading people to think that their deal is non-fundable.

                                    Whether you are looking for Asset Finance, a loan for a Leasehold Retail Business, Property development funding or finance to improve your existing business cash-flow, it is vital to approach the right finance lender.

                                    Remember, selecting the right finance people to help you raise funding for your venture can be as important as choosing the right business.

                                    WHY USING A FINANCE BROKER CAN BE USEFUL FOR BUSINESS?

                                    A good finance broker can provide many choices from a variety of lenders who all want to operate in a different marketplace and with varying types of equipment and funding structures.

                                    Every business has five major components, which must work together in order to function effectively. These are Personnel, Equipment, Premises, Product & Services and finally, the most vital ‘Capital’ – without cash resources, no organisation can continue to exist, ‘Capital is the ‘Lifeblood’.

                                    For example, if equipment or vehicles are required, the right finance broker should provide a range of lease and purchase options.

                                    If premises are sought, you should have a full range of secured loans and commercial mortgage facilities available to you, but most importantly, if a business needs capital, you should have access to a wide range of finance and lines of credit.

                                    Each and every component of the business structure grows and wanes throughout its development; the only consistent factor is the growing need for capital.

                                    From the most robust economy to the worst recessions, capital will always be a prime resource – more personnel and stock, motor vehicles and equipment, stock and premises, the demand on equity in a growing business is insatiable.

                                    Talking to an experienced finance broker will save you both time and money. Consider the vast amount of time alone that would be spent researching and presenting your financial proposals.

                                    Banks and other financial conventional lending institutions lend on specific terms and inflexible criteria and generally, to the businesses who do not need the money.

                                    Many business proposals are turned down because they are packaged and presented in the wrong way and even presented to the wrong lending organisation – leading people to think that their deal is non-fundable.

                                    Whether you are looking for Asset Finance, a loan for a Leasehold Retail Business, Property development funding or finance to improve your existing business cash-flow, it is vital to approach the right lender.

                                    So remember, selecting the right finance people to help you raise funding for your venture can be as important as buying the right business.

                                    Business loans through a finance broker

                                    PERSUADING THE BANK TO INVEST IN YOUR BUSINESS

                                    Banks are typically the first choice and thought for most businesses when they need finance. Banks have specific criteria to be successful at achieving funding from them. 

                                    The lending will depend on many factors, but the first and essential step is to have a solid business plan to present to them and be clear on why you need the money and how the finance will benefit the business proposal.

                                    EQUITY CAPITAL

                                    Raising equity capital involves selling a share of a business to a venture capital company or an informal investor. Although venture capital companies are the primary providers of equity finance, they are highly selective about the investments they make and usually do not invest in amounts under £100,000; although there are exceptions, particularly for seed investments in potentially high growth ventures.

                                    Further information is available from:

                                    The British Venture Capital Association.

                                    INFORMAL INVESTMENT -‘BUSINESS ANGELS’

                                    The alternative to venture capital providers, as a source of smaller amounts of equity capital, is informal Investment. These investors are private individuals, usually with a business background.

                                    They are willing to make investments in small business in return for an equity stake. They can also offer the benefits of their own management expertise.

                                    Further information:

                                    UK Business Angels Association: T. 020 7492 0490
                                    UKBAA website

                                    GOVERNMENT LOANS, GRANTS AND SCHEMES

                                    Certain British and European government bodies offer financial support based on various criteria; your age, region/country, employment status etc.

                                    There is much less direct finance support available now compared to a decade ago. Much of the government business support comes in the form of business support agencies funded sometimes by the government.

                                    To find out more about any government-backed support for businesses, call your local authority.

                                    Further information on government start-up loan information :
                                    https://www.gov.uk/apply-start-up-loan

                                    Or to apply for government-backed start-up loan see here
                                    https://apply.startuploans.co.uk/s/register

                                    PEER TO PEER LENDING

                                    Peer to peer loans is like crowdfunding (see below). This form of finance works by individuals putting up the funds for the business project(s).

                                    Within the peer to peer system, the investors are looking to get back a return on their Investment through interest capital rather than an equity share. A relatively new concept as far as lending is concerned but none the less it is becoming more popular, especially with younger entrepreneurs.

                                    CROWDFUNDING FINANCE

                                    Crowdfunding is very similar to peer to peer lending (see above for details). With crowdfunding, the loan is issued by a pool of various individuals looking to invest in a business or organisation.

                                    The idea is for the individuals to invest in the presumption that the business will be successful, and the investors get an equity share in the company. It is a relatively new model of finance but is gaining popularity, especially amongst the younger entrepreneurs.

                                    There are various online platforms offering crowdfunding such as kickstarter.com and indiegogo.com.

                                    Some stats on crowdfunding growth.

                                    • Crowdfunding has generated $17.2 billion yearly
                                    • A growth of 33.7% in the previous year.
                                    • Over 6 million crowdfunding campaigns last year worldwide.
                                    • The average raised is $28,676 on crowdfunding.
                                    CONTINENTMILLIONS
                                    North America17,200
                                    Asia10,540
                                    Europe6,480
                                    South America85.74
                                    Oceana68.8
                                    Africa24.16
                                    CROWDFUNDING STATS FOR 2017

                                    DO I NEED INVESTMENT?

                                    If you are starting a business from scratch, rather than buying a business or franchise, you don’t necessarily have to invest a large amount of money into your start-up.

                                    Many successful entrepreneurs started up ‘on a shoestring’. It is a sad fact that many people have never considered starting a business because they have held the belief that self-employment is out of their financial grasp. RUBBISH.

                                    There is no denying that substantial initial Investment can be a great help, but money is not the only factor.

                                    It takes courage and financial resources to have the confidence to leave a secure job, career and regular wage in the wake of a new business venture, but there are other options.

                                    Some businesses (‘agents wanted’ & MLM etc.) can be started and run on a part-time basis, thus allowing you to maintain regular earnings while the venture picks up speed.

                                    Planning and carefully thinking it through can minimise risks.

                                    It is unwise to overstretch yourself.

                                    Be prepared to invest a lot of time into your business success needs dedication. Make sure you have the full support of your family.

                                    ARE YOU ALREADY IN DEBT?

                                    If you are already in debt, you may wish to consider using the services of a debt management solutions company to help you manage your creditors. Or for personal debts, you may get help from the Debt Advisory Centre.

                                    Debt Advisory Centre
                                    t. 0161 413 9590

                                    Other finance options for your business.

                                                              
                                                              

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