Business Banking. A guide for franchises

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1 Business Banking A guide for franchises

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3 Hep with your franchise business, right on your doorstep A true understanding of the needs of your business: that s what makes RBS the right choice for financia support. Our oca Franchise Managers work cosey with customers in the franchise industry and can offer guidance that s both up to date and precise. And being oca, they are avaiabe to give you a persona service when it best suits you outside of busy working hours if necessary, and directy by phone or emai. Your Franchise Manager wi become a trusted contact who wi take the time to isten and understand your particuar needs, heping you to arrive at the best soutions to achieve your business goas. When you ca or emai, it wi be directy to your Franchise Manager, and when you meet face to face it wi be wherever suits you best at your premises, a oca branch or business centre, or further afied. Our aim is to buid reationships that make a rea difference to your business, so you aso find our Franchise Managers are highy trained and experienced. They have exceent insight into the franchise industry and are in touch with the atest economic trends and deveopments. Our Franchise Managers aso have in-depth knowedge and experience of the oca business community. So the guidance they can offer is specificay geared to the opportunities in your industry and your area. By sharing this knowedge with you, they can provide tangibe new ways to hep your business succeed. Advantages of banking with RBS An experienced oca service that adds vaue to your business A arge team of Franchise Managers, which means your dedicated Manager has more time to support your business Compete support: from day-to-day banking needs to financia panning for the future Ready access to a wide network of soicitors and accountants with franchising experience Hepfu onine toos incuding access to Franchise Library factsheets and free franchise seminars Simpified business banking so you can get on with running your business

4 Banking when it suits you With RBS you have freedom to choose how you bank. As we as the services of your Franchise Manager we offer a of the options beow, so banking is simper and you can concentrate on running your business. Dedicated support In addition to your ocay based Franchise Manager, you aso have access to an experienced Business Support Team. They are on hand to support your Franchise Manager, and can hep with a your day-to-day business banking needs. Your Franchise Manager wi be abe to provide you with contact detais for your oca team. Services Account enquiries and information Account opening and cosing Baance enquiries Bankers drafts requests Charges, fees and interest enquiries Cheque book and paying in book requests Inter account transfers Mandates new and amendment requests Standing orders and Direct Debit enquiries Statement enquiries and requests Update on your credit appication Onine and teephone banking Organise your finances and carry out a your day-to-day banking transactions with our onine and teephone banking services. Benefits of onine and teephone banking Pay bis and make payments to suppiers or empoyees Transfer money between most of your RBS accounts Set up, amend and cance standing orders Order a cheque book, paying cash in book or a statement and much more Mobie phone banking Manage your account on the move with reguar text aerts and mini-statements deivered to your mobie phone. Benefits of mobie phone banking Reguar access to account information texts your baance to your mobie at a set time of the week Baances and mini statements on your mobie, on demand Aerts sends you a text if your baance drops beow or exceeds a pre-chosen amount Secure service access to the service from your mobie is passcode protected to give you extra protection For more information Register now for onine, teephone or mobie phone banking. To register for any of these services visit rbs.co.uk Or you can ca us on or Minicom Maximum ca charge from a BT andine is 6p pus 8p per minute. Business rates and cas from other networks may vary. Cas may be recorded.

5 Everything you need under one roof From day-to-day banking to more speciaised support, we have a the products and services you need. Day-to-day Business Current Account Business Deposit Accounts Business Overdraft Business MasterCard Streamine WordPay Mentor Invoice Finance A the essentias you need to manage your everyday finances Make your surpus business funds work harder with our choice of deposit accounts Extra working capita when you need it most, with instant access and fexibe terms Smoothing out the costs of business, improving your cashfow Giving you the support and equipment you need to accept payment by credit and debit card Our eectronic transfer service that aows you to send funds overseas, quicky and securey. There are three choices of services depending on your needs, from non-urgent payments to an express service Comprehensive advice on issues reating to empoyment, heath & safety, environmenta and tax aw Improve your cashfow with up to 90% of the vaue of your unpaid invoices reeased to you within 24 hours Longer term Business Loans Commercia and Residentia Property Loans Lombard Asset Finance Hep your business grow with a range of borrowing options Taiored finance options for business and investment property The effective and cost-efficient way to purchase business assets Insurance and protection Business Insurance Business Loanguard Loan and Overdraft Protection Tax Service Protect your premises, equipment, stock and business vauabes Accident, sickness and ife cover for you and your coeagues Loan and overdraft protection cover in the event of sickness or accident Take the strain out of deaing with tax matters with our teephone based advice and consutancy service We re here to hep Whatever you need in banking, RBS can give you expert guidance. Speak to your Franchise Manager now to discuss your business needs. Security may be required. Over 18s ony. Product fees may appy. ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT

6 Your guide to successfu franchising To hep you on the path to becoming a franchisee, the foowing pages have been created to take you through the basics of franchising. A franchise checkist is aso incuded to assist you when making decisions. 1 2 Is franchising right for you? Starting up a new business aways carries a risk, but a franchise can reduce that risk. That s because, as the franchisee, you use the proven business system of your franchisor. They pass on their know-how and you trade under the name of the franchise and se their products or services. You sign a franchise agreement, usuay for an initia period of five years or more, which you can then usuay renew. In return for using the franchisor s name and system, you pay an initia fee that goes towards business setup costs. You then make ongoing payments throughout the period of the franchise agreement for continuing support. These payments are normay cacuated as a percentage of your turnover, or a mark up of the goods or materias the franchisor ses to you. What wi be asked of you As a franchisee, you wi have to accept the restrictions that the franchisor may pace on you and aso the discipines of the particuar franchise you wi be joining. You wi need to be aware of any restrictions that might appy to you if you decide, for whatever reason, to eave the franchise. Running your own business can ca for ong hours and can aso be stressfu. In addition, you may have to invest some of your own savings in the business or take a oan against the security of your home. Since the franchisor s income is tied to that of your business, the franchisor can ony succeed if you succeed. This is how franchising creates the incentive for the franchisor to make sure the business is aunched successfuy and that it remains successfu. A cose interdependence must aways be present in a propery constructed franchise system. Finay, franchising offers what wi, for some, be the biggest benefit of a. You are generay abe to borrow more money to open a franchised business than a conventiona business. Security may be required. Over 18s ony. Product fees may appy. ANY PROPERTY USED AS SECURITY, WHICH MAY INCLUDE YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT

7 Naturay, your oca RBS Franchise Manager is aso on hand to ca upon the Bank s many years experience in heping to set up and run franchises throughout the UK. 3 4 Choosing the right type of franchise The start-up costs of a franchise that you run from home wi naturay be very different from a franchise that requires retai premises and extensive stock. To assess what type of franchise you can afford, as a very rough rue of thumb and if you have some security add up your savings and mutipy by three (e.g. if you have 20,000, you coud be abe to finance a franchise with start-up costs of around 60,000). You must aso choose the type of franchise business that suits you best, taking into account factors such as whether: the market is expanding or decining the franchise is competitive there s an estabished market or one has to be deveoped. There are many questions that can be asked to assess the quaity of a franchisor, for exampe, has the franchise been significanty tested and are its franchisees successfu? Aso does the initia fee (usuay between 15,000 and 20,000) and continuing fees represent good vaue for money? Do the ongoing fees sti eave the product or service competitive in the market pace and provide sufficient profit for the franchisor and franchisee to make the business worthwhie? How RBS can hep You may find this assessment process a itte compex, however hep is at hand from your oca RBS Franchise Manager. With over 1,600 branches throughout the country we be abe to discuss your business pans at a ocation that s oca and convenient for you. You don t even have to be an existing customer to benefit from our expertise. We have a ong-estabished reputation for heping peope to start-up their own business. RBS Group were the first to recognise the potentia of franchising and more than 30 years ago became the first bank in Britain to estabish a dedicated Franchise Section. You find RBS ready with the right financia package to get your business off to a good start and hep you deveop in the years ahead.

8 Franchisee checkist It s important to know that franchising is right for you. Use this checkist as a starting point to make sure that you have what it takes to start a business. Your capabiities Do you have: The necessary persona commitment? The support of your famiy? The necessary skis and experience? The franchisor company check: The company s record and stabiity as a franchisor The franchisor s financia stabiity, possiby by obtaining a bank reference Whether the franchisor is a member of the British Franchise Association (bfa) The hep the franchisor may offer with regards to site ocation, the preparation of your business pan and market research The number of outets owned by the franchisor The franchise network Consider: How many franchisees are there? Obtain a ist and contact as many as possibe Do they have a good website? Have any franchisees faied? Has the company run a successfu piot operation? Do any franchisees run more than one outet? Your franchise Assess: The competition within your proposed area in terms of price, deivery and service The trading pattern of your potentia franchise The market for the product or service in the proposed area The size of the area you wi have excusive rights over Any minimum saes eves which the franchisor may impose

9 Support from the franchisor Does the franchisor provide: Marketing support, accounting faciities, technica advice, research or new product deveopment? Adequate training? A comprehensive franchise package that meets your requirements? Up-to-date product information? The deveopment and introduction of new products to the network? A comprehensive operations manua? Hep in an emergency? Advertising Is the franchisor responsibe for: Nationa advertising and promotiona activities? Loca advertising and saes promotion? Financia considerations What does the franchise package cost in tota? How much of this can be met from your own resources? Wi you need to borrow to cover start-up and working capita costs? Do you have something that can be offered as security for exampe property or a ife poicy? How do their fees compare to industry averages? Do the cashfow and profit forecasts provided by the franchisor seem feasibe? What eve of income wi be required to support the outet and repay your borrowing? Do the franchisor s figures aow for taxation/depreciation etc? Do the figures for projected income provide an acceptabe standard of iving as we as covering your business commitments? Do you have the abiity to borrow more or fa back on resources if you don t meet saes and/or profit projections? How much is the initia franchise fee and what does it cover? How much is the ongoing management services fee? Are goods suppied at cost or are they part of your fees?

10 Franchisee checkist (continued) The franchise contract You shoud: Obtain a copy of the franchise contract and have it assessed by a speciaist awyer affiiated to the bfa Estabish the ength of the contract and your right to renew it. Is there a renewa charge (the charge shoud be no more than 1,000 2,000)? Does the contract Guarantee excusive territory to each franchisee? Confirm the franchisor s provision of training and support? Impose restrictions on equipment and suppiers? State whether the business can be sod? Under which terms and conditions? Incude minimum performance requirements? What are the consequences of faiing to meet them? Stipuate the circumstances under which the agreement can be terminated? Specify who is responsibe for providing advertising and promotiona support? This checkist is not exhaustive, you shoud reate it to your individua business circumstances. Remember independent ega advice is essentia before signing a franchise contract. Usefu contacts British Franchise Association. Ca us on or visit us at thebfa.org For more information Ca us on Typetak Visit rbs.co.uk/franchise Lines are open Monday to Friday 9am-5pm (excuding Bank Hoidays). Cas may be recorded.

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12 Important Information Cas may be recorded. RBS does not warrant, endorse or recommend any franchise/icence/essee opportunity. Shoud RBS agree to end to assist with the purchase of a franchise/ease it shoud not be construed that the opportunity is in any way approved by us. Simiary, if this document accompanies any materia produced by a franchisor/essor then no approva or warranty is impied. You shoud take appropriate independent professiona advice in respect of any specific aspect of franchising/icensing. Lombard North Centra PLC. Registered in Engand No Head and Registered Office: 3 Princess Way, Redhi, Surrey RH1 1NO. The Roya Bank of Scotand pc. Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB. Registered in Scotand No rbs.co.uk August 2011

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