Peer-to-business lending
|
|
- Amber Cox
- 8 years ago
- Views:
Transcription
1 Peer-to-business lending Register today: rebuildingsociety.com rebuildingsociety.com is regulated by the FCA Read more inside and at Company No
2 Once upon a time... Savers enjoyed a passive income from interest earnings and businesses had access to credit. But now... & Savers get poor rates of interest Entrepreneurs can t trust banks So... We created an online marketplace to cut out banks! 2
3 The rise of peer-to business lending The web has enabled business transactions to be direct and instant. It has also cut the cost of many business models. Now its time for the finance industry to modernise! ebay, itunes and easyjet have transformed the way people buy, sell and consume. ebay allows people to buy and sell directly with each other in a marketplace, as has been mankind s way since people traded flint for woolly mammoths, without spending the time and effort in a physical market. itunes used the web for peer-distribution of digital music, revolutionising the record industry that had become complacent with traditional methods of music delivery. easyjet reinvented the air travel industry when it first launched by allowing customers to buy flights directly, rather than through travel agents, giving birth to the modern budget airline industry, saving consumers time and money in the process. It has also challenged established airlines to compete better on price. Everywhere you look, the web is facilitating small transactions that make our lives easier and cheaper. We believe the time has come for similar change in banking... With your participation, peer-to-business lending will solve two of society s biggest financial problems; restricted access to growth for businesses and better returns* for lenders. This guide explains how... *Past returns are not a guide to future earnings 3
4 Guide to peer-to-business lending Peer-to-business lending can help you build a diverse and profitable investment portfolio. It is being used by investors young and old from around the UK. Our average investment is just over 5,000 per lender, ranging from 100 to over 750,000. It s an exciting time... investors will soon be able to use their NISA allocation for peerto-peer lending. Tax-free lending could result in vastly improved returns, particularly for higher rate tax payers. At rebuildingsociety, we show gross returns, because individual investors need to allow for tax deductions and bad debt, which may affect your rate of return. Illustrative return on 10,000 invested through rebuildingsociety at the total weighted average from January 2013-August 2014 of 16.1%* gross return: easier and cheaper. Return minus tax at 45% Return minus tax at 40% Return minus tax at 20% 1, No tax deducted 1, *We forecast an average default rate of 3% to 5%. Our current bad debt rate is 2.2% Past performance is not indicative of future performance and the rate of tax payable is dependent on the investor s higher marginal rate of tax. 4
5 Lending statistics: Our statistics, correct at the time of print. App Risk #Loans Loaned Outstanding Avg.Rate Defaults Bad Debts Late Late (<30 days) (<30 days) A % A , , % B 34 1,807,030 1,108, % C 24 1,334,000 1,148, % D % All 77 4,011,010 2,793, % Loan security type chart correct at time of print (from same source) Different forms of security can reduce the time it takes to recover on a debt in the event that a business defaults. Learn 5
6 How does it work? Entrepreneurs describe their business on an online loan profile, explaining why, how much, how long and specifically what they need to borrow for. People then bid amounts of money with an interest rate they want to lend at, which should reflect the risk a lender sees in the business. When the auction ends (7-21 days), the auction is closed. Borrowers then consider the average interest rate offered and decide whether to accept the loan or not. A repayment schedule is then setup so that repayments are distributed from the borrower to the many lenders, according to the individual loan amounts and rates. Early repayment One of rebuildingsociety s most popular borrowing features is our early repayment charge waiver. Lenders need to be aware that when purchasing a micro loan for a premium, the stated return is over the life of the loan and should the borrower refinance early, only interest payable in the month of refinancing is due. Did you know? You can use BidPal to automatically bid on your behalf when the right opportunity comes up. Select the amount, rate and grade of business you re prepared to lend to and BidPal does the rest. Our Secondary Market The rebuildingsociety Secondary Market is where investors can trade micro loans from completed deals. Investors can charge a premium for micro loans to increase their returns, or offer a discount if liquidity is the aim. All our available micro loans are listed along with the borrower s repayment history and the company s question and answer section. Investors can buy in bulk using our Portfolio Builder facility. 6
7 Scrutinise each business We give lenders the opportunity to review each new loan auction and ask questions of the borrower to inform their decision. Spread your lending Keeping your loans small and spread across a number of companies may minimise losses as a percentage of your overall portfolio. Lend to your risk appetite All loans carry risk. The important thing is to consider what your specific needs are and ask yourself questions about your appetite for risk. It s an age old rule, but only invest what you are prepared to lose. Who lends with rebuildingsociety? Our lenders come from all walks of society. Some invest for the long term, others because they re frustrated with bank savings rates and specifically what they need to borrow for. Ellie Kirby is just one of our lenders. She is 25, runs her own business and is investing to achieve financial freedom, which she defines as interest from investments paying for day-to-day expenses. Ellie spreads her lending across many businesses in the auction and secondary market and has been an active lender since March
8 Big Investors Institutional or HNW investors can capitalise on the growing peer-to-peer lending market by quickly buying a portfolio of performing business loans. rebuildingsociety.com offers the best gross returns on the peer-to-business lending market, according to the industry news site, p2pmoney.co.uk. * Each loan is backed with the minimum of a director s guarantee and in many cases with asset security, either a residential property or the business assets. All loan data is available on request. Liquidity is strong in our secondary market. Loans re-sold at par or just above are typically sold within 10 days. This gives easy-access to your investment funds. On current volumes, we can place up to 500,000 a month spread over at least 25 separate loans. As loan repayments are made, further portfolio diversification is possible as new loans are created. We re also innovators. We help others establish platforms using our proven technology and can introduce institutional investors to our partners across the world. Did you know? We ve got an API that interfaces with investment management software, which makes investment easy for you. Past returns are not a guide to future earnings. Any unrepaid capital is at risk of arrears or default. 8 *SOURCE:
9 Accessing your money... Loans to businesses are between 6 months and 5 years, so this could be the length of time your money will be repaid over, unless you cash in early. rebuildingsociety offers instant access to any funds that are not committed, so neither a loan or a bid. You can also either wait for loan repayments to come in or use our Secondary Market. This allows you to sell loans to other lenders. The Secondary Market is often used by new investors to quickly acquire a diverse portfolio. However, should a borrower choose to refinance, only interest due in the month or refinancing is due. However, lenders should be aware that unpaid interest is foregone if borrowers refinance. Lifestyle interest... Many savers want to get back to having a passive income from their interest payments on savings. Allowing businesses to work your money can net you a decent living, from the interest payments alone. For example, an 8.5% return on 250k capital is 21,250 pa gross before deductions for tax and accounting for bad debt, which we estimate to be approximately 3-5%. All interest: Monthly transfer of all interest earned Half interest: Monthly transfer of half the interest earned Compounder: Interest earnings may be re-used and loaned out automatically according to your BidPal preferences Fixed amount: Specify an amount to receive each month Manual: Simply use your dashboard to withdraw on request rebuildingsociety.com is regulated by the FCA, uncovered by the Financial Services Compensation Scheme. Read more at: 9
10 Embracing the new laws and the Financial Conduct Authority (FCA)... Since the crash, the government has been keen to promote alternatives to banks. So the FCA consulted with crowdfunding platforms (like ours) to draft new legislation into the Financial Services Act. In April 2014, the peer-to-peer lending industry became regulated by the FCA. This means that platforms in the market are now subject to recourse from the regulator. rebuildingsociety was born from the market failure of the big banks, so good governance, treating customers fairly and strong systems and controls are in our DNA. We do everything we can to win and keep your trust, since it was lost by the banking sector. For many years, people have wondered what can be done about the banking system Now, with your help, and with the scrutiny of the regulator we have the opportunity to change finance for the better, for everyone, forever. We publish a series of blog posts about how our customer-centric-culture is helping us build a community that contributes to society. This includes 3 key areas: Customer Intimacy being close to our customers. Hyper Efficiency We automate what we can and pass value back Product Leadership We lead the way with new finance 10
11 Who s behind rebuildingsociety.com? Online businesses don t always have a public face, but we do. We re physically in an office in Leeds and recognise the confidence that human contact brings to online business. You ll find us at events and we re contactable by phone. The founder and Managing Director of rebuildingsociety is Daniel Rajkumar. He felt that investors could offer more than just finance to companies they lend to and believes businesses will favour this method of funding ahead of banks in the future. Businesses and investors value the advantages of peer-tobusiness lending, which stems from the belief that lenders have a vested interest in seeing their borrowers succeed. We re also a firm believer in the founding principles of building societies and have applied some of the values to our philosophy. Early stage investor David Powell joined the advisory board in early He was joined by Julian Wells as Marketing Director in July and Nick Moules was appointed Communications Manager in September. Following a period of technology development, the site began accepting loan applications in September This started a marketing push, which resulted in rebuildingsociety.com funding its first deal in January Since then, rebuildingsociety has grown to a team of nine, along with four key consultants and a network of freelance workers that complete vital tasks in design, web development, testing and project work. 11
12 Spread the word... Once you ve read this useful guide please pass it on. If you become a lender and want to refer others, we ve established an ambassador scheme to help spread the word about rebuildingsociety.com and reward people for doing just that. It s simple, whenever anyone registers on the site using the unique URL you ll collect by signing up to the scheme, we track all of their activity and display it for you to see on your affiliate homepage. When they pass through certain thresholds you ll be eligible for rewards: When a referral lends 1,000 you ll earn 50 When a borrower applies you ll receive 100 All you need to do is register and begin telling people about us. When you ve got successful referrals that need to be paid for, we ll credit your account. rebuildingsociety.com 16 Queen Square Leeds LS2 8AJ T: E: facebook.com/rebuildings rebuildingsociety.com rebuildingsociety rebuildingsociety-com * rebuildingsociety.com may amend or withdraw this offer at anytime. For our full terms and conditions, please visit rebuildingsociety.com is regulated by the FCA (under Interim Permission) uncovered by the FSCS. Company Registration Number Information Commissioner Office No. Z
Peer-to-Business Lending
A beginner s guide to: Peer-to-Business Lending Register today: rebuildingsociety.com Once upon a time... Savers enjoyed a passive income from interest earnings and businesses had access to credit. However,
More informationGetting started as an investor. Welcome pack for investors
Getting started as an investor Welcome pack for investors Welcome to Funding Circle You ve just joined thousands of other investors who are earning a great return by lending to businesses across the UK.
More informationGetting started as an investor
Getting started as an investor A guide to investing with GO2 Welcome to GO2 BusinessLoans Thank you for considering the Go2 money market. We are confident that you will find some exciting businesses in
More information5 Interesting Facts about the Peer to Peer (P2P) Market
5 Interesting Facts about the Peer to Peer (P2P) Market 1 P2P is not crowdfunding PEER TO PEER LENDING CROWDFUNDING The practice of unrelated individuals or companies lending money directly to one another
More informationPeer-to-peer bad debt relief: proposed technical criteria. Technical Note 24 March 2015
Peer-to-peer bad debt relief: proposed technical criteria Technical Note 24 March 2015 1 Contents Page Chapter 1 Introduction 3 Chapter 2 Summary of Proposed Relief 4 Chapter 3 Amount of Proposed Relief
More informationGetting started as an investor.
Getting started as an investor. Welcome to Funding Circle You ve just joined thousands of other people who are earning a great return by lending to British businesses. Your new account is now set up and
More informationHome Loan. This document sets out your loan s terms and conditions. Some key information about your loan. Terms and Conditions
Home Loan Terms and Conditions This document sets out your loan s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Home Loan. It includes key information
More informationWHICH IS FOR ME? HOME LOANS MADE EASY
WHICH IS FOR ME? HOME LOANS MADE EASY About this booklet At ING DIRECT, we try to make finding the right home loan as easy as possible. That s what this booklet is all about. All our home loans are described
More informationIntroduction 4. What is Refinancing? 5. Changing Home Loans 5 Changing Needs 6 Identifying Better Opportunities 6 Additional Home Loan Features 6
Contents Introduction 4 What is Refinancing? 5 Changing Home Loans 5 Changing Needs 6 Identifying Better Opportunities 6 Additional Home Loan Features 6 What are the Advantages of Refinancing? 7 1. Consolidating
More informationFunding Solutions for the local SME. Community. beyond accounts. Introduction. Attendees introduction & what do you want to get from today s Workshop?
Funding Solutions for the local SME Introduction Community Attendees introduction & what do you want to get from today s Workshop? beyond accounts Funding for Growth - Alternative Finance & Peer-to-Peer
More informationInformation on: Deferred Payment Scheme
Information on: Deferred Payment Scheme From 1 April 2015 Introduction From April 2015 the way care and support is provided is changing for the better. The Care Act 2014 is a recent piece of legislation
More informationMortgage advice you can depend on
Our Mortgage advice you can depend on Whether buying your first home, buying to let, or remortgaging, this guide tackles the main considerations. If you want to learn more and receive advice tailored to
More informationA finance guide for working life
A finance guide for working life Contents Introduction Planning your short, medium and long-term needs 3 4 Your needs - our solutions The freedom to enjoy your money Savings to help pay for the important
More informationKEY GUIDE. Setting up a new business
KEY GUIDE Setting up a new business The business idea You have a business idea, but can you turn it into a viable enterprise? Is there a market for the goods you will produce or the services you will supply?
More informationCombined Home Loan. This document sets out your loan or facility s terms and conditions. Some key information about your loan or facility
Combined Home Loan Terms and Conditions This document sets out your loan or facility s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Home Loan or ANZ
More informationSmart strategies for using debt 2012/13
Smart strategies for using debt 2012/13 Appreciating the value of debt William Shakespeare wrote, Neither a borrower nor a lender be, but the fact is debt can be a very useful tool when used properly.
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationInvesting in mortgage schemes?
Investing in mortgage schemes? Independent guide for investors about unlisted mortgage schemes This guide is for you, whether you re an experienced investor or just starting out. Key tips from ASIC about
More informationborrow Want to in your SMSF?
borrow Want to to buy property in your SMSF? A Self Managed Super Fund (SMSF) gives you investment flexibility. Some typical investment options for SMSFs include term deposits, direct shares, and managed
More informationLIFETIME MORTGAGE LUMP SUM
LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 5) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank
More informationTHE STOCK MARKET GAME GLOSSARY
THE STOCK MARKET GAME GLOSSARY Accounting: A method of recording a company s financial activity and arranging the information in reports that make the information understandable. Accounts payable: The
More informationSydney Wyde Mortgage Fund ARSN 108 342 123
Sydney Wyde Mortgage Fund ARSN 108 342 123 Benchmarks and Disclosure Principles Report for ASIC Regulatory Guide 45 as at 30 June 2015 The following report describes each of the benchmarks and disclosure
More informationKey Features. of the Suffolk Life SIPP (Deed Poll Scheme)
Key Features of the Suffolk Life SIPP (Deed Poll Scheme) This document is part of a set, all of which should be read together. Key Features Your Personal Illustration Schedule of Fees Schedule of Allowable
More informationProblems paying your mortgage
Problems paying your mortgage What you need to do now and how to get back on track Steps to take now What your options are Get free impartial advice The Money Advice Service is independent and set up by
More informationanz@work Employee banking benefits to suit your life
anz@work Employee banking benefits to suit your life Make the most of your employer s relationship At ANZ we value our key business relationships, like the one we share with your employer. Through this
More informationlargeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904
largeequityrelease.com EQUITY RELEASE GUIDE Speak to one of our specialists today on 020 3824 0904 CONTENTS What is equity release?... 3 How much money could I raise through an equity release?... 4 What
More informationMemorandum of Mortgage
Memorandum of Mortgage Form of registrable memorandum MEMORANDUM NUMBER 2012/4308 Section 155A, Land Transfer Act 1952 BARCODE Class of instrument in which provisions intended to be included: Mortgage
More information5 Secrets to Wealth. Every Woman Needs To Know To Be Financially Free. By Nancy L. Gaines, Founder Women Gaining Wealth, LLC
5 Secrets to Wealth Every Woman Needs To Know To Be Financially Free By Nancy L. Gaines, Founder Women Gaining Wealth, LLC Thank you for requesting this free report and taking steps toward your own financial
More informationMORTGAGE ADVICE YOU CAN DEPEND ON
MORTGAGE ADVICE YOU CAN DEPEND ON INTRODUCTION Whether you re buying your first home, remortgaging, or purchasing an investment property, there are lots of processes to go through, issues to tackle and
More informationLow Doc Home Loan Product Specification
Low Doc Home Loan Product Specification For further information www.partners.stgeorge.com.au Mortgage Central 1300 137 532 This product specification is the property of St.George Bank. It is for the use
More informationThe Help to Buy: equity loan scheme What you need to know before you go ahead
Page 1 of 5 The Help to Buy: equity loan scheme What you need to know before you go ahead What is the Help to Buy: equity loan scheme? The Help to Buy: equity loan scheme is a Government backed programme
More informationHome Loan Refinancing Guide
Home Loan Refinancing Guide Contents How refinancing works... 3 Steps to refinancing... 4 Choose the home loan that s right for you... 4 Give your loan a regular 'health check'... 9 Aussie is a trade mark
More informationGroup Flexible Retirement Plan Key features
Group Flexible Retirement Plan Key features This is an important document. Please read it and keep it for future reference. Key features document: Pages 1 21 Terms and conditions for joining: Pages 22
More informationHelp to Buy Buyers Guide
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy Page 1 of 27 Key information Buyers using this scheme must provide security in the form of a second
More informationInvesting in unlisted property schemes?
Investing in unlisted property schemes? Independent guide for investors about unlisted property schemes This guide is for you, whether you re an experienced investor or just starting out. Key tips from
More informationLEGAL & GENERAL HOME FINANCE. Guide to Lifetime Mortgages
LEGAL & GENERAL HOME FINANCE Guide to Lifetime Mortgages A lifetime mortgage could give you the freedom to really enjoy your retirement. We re delighted you re finding out more about lifetime mortgages.
More informationASB Securities. ASB Margin Lending
ASB Securities ASB Margin Lending 2 Contents 01 ASB Margin Lending Widen your investment portfolio How does it work? 02 Why use Margin Lending? 03 The ASB Securities Margin Lending Service 04 The risk/reward
More informationRELEVANT TO ACCA QUALIFICATION PAPER F9. Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam
RELEVANT TO ACCA QUALIFICATION PAPER F9 Studying Paper F9? Performance objectives 15 and 16 are relevant to this exam Business finance Section E of the Paper F9, Financial Management syllabus deals with
More informationMANAGING YOUR BUSINESS S CASH FLOW. Managing Your Business s Cash Flow. David Oetken, MBA CPM
MANAGING YOUR BUSINESS S CASH FLOW Managing Your Business s Cash Flow David Oetken, MBA CPM 1 2 Being a successful entrepreneur takes a unique mix of skills and practices. You need to generate exciting
More informationThis factsheet will use the term ISA to refer to both ISAs and NISAs.
PUBLISHED November 2015 FACTSHEET Individual Savings Accounts, incorporating New ISAs On the 1 st July 2014 there were some significant changes to Individual Savings Accounts (ISAs) and the subscription
More informationCredit cards Personal loans Credit lines Leasing What you should know before entering into an agreement
Credit cards Personal loans Credit lines Leasing What you should know before entering into an agreement Pre-agreement information on personal financing products for private clients Taking out a loan is
More informationINVESTING RISK EQUITIES BONDS PROPERTY INCOME SPIN-FREE GUIDE TO
INVESTING RISK EQUITIES BONDS PROPERTY INCOME SPIN-FREE GUIDE TO INVESTING Contents Helping you reach your financial goals 3 Introducing the different types of investments 4 Where could you invest? 4 Where
More informationCitigroup Global Transaction Services
Citigroup Global Transaction Services Cash Management Trade Services and Finance Securities and Fund Services Uncovering the Hidden Value in Accounts Receivables Olivia Xu Director, NA Trade Sales Kate
More informationPlease complete the Account Details page of our pack and ONE Letter of Authority for each company you want to claim against.
Please complete the Account Details page of our pack and ONE Letter of Authority for each company you want to claim against. Q. I don t have any account numbers or documentation, can I still claim? A.
More informationU.S. Treasury Securities
U.S. Treasury Securities U.S. Treasury Securities 4.6 Nonmarketable To help finance its operations, the U.S. government from time to time borrows money by selling investors a variety of debt securities
More informationYour retirement could have even more going for it
Your retirement could have even more going for it A straightforward guide to equity release For no obligation advice: call 0800 015 0993 www.justretirementsolutions.com Contents Imagine what you could
More informationWe provide a truly personal service
We provide a truly personal service Welcome C. Hoare & Co. is a bank which is proud of its heritage but focused on the future. We combine the traditional values of prudence and integrity with thoroughly
More informationA Guide to Equity Release in Retirement
A Guide to Equity Release in Retirement 1. Introduction For the retirement you deserve 2. What is Equity Release? 3. Equity Release Plans The options available to you 4. The Application Process 5. Questions
More informationA guide to mortgages
A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 Interest
More informationplain talk about life insurance
plain talk about life insurance The right life insurance can have an enormous effect on your life and the lives of those you love. It can mean the difference between leaving your loved ones well positioned
More informationLIFETIME MORTGAGE LUMP SUM
LIFETIME MORTGAGE LUMP SUM Terms and Conditions (version 4) This is an important document. Please keep it in a safe place. LV= Lifetime Mortgage lump sum Terms and Conditions Welcome to LV=, and thank
More informationAccount a service provided by a bank allowing a customer s money to be handled and tracks money coming in and going out of the account.
Account a service provided by a bank allowing a customer s money to be handled and tracks money coming in and going out of the account. Account fee the amount charged by a financial institution for the
More informationArizona Property Advisors LLC
PRIVATE MORTGAGE INVESTING ARIZONA PROPERTY ADVISORS LLC www.buyazcashflow.com 480-228-3336 Table of Contents The Basics of Private Mortgages 1 What is a Private Mortgage? 1 Why Would Someone Borrow From
More informationHome Loans. Welcome home. Make yourself at home. Prosper.
Home Loans Welcome home Make yourself at home. Prosper. Contents We have everything you need 3 Getting a home loan 3 Choose the home loan that suits you 4 Home loan 5 Private Banking Home Loan 5 Family
More informationMake yourself at home with the UHomeLoan
Make yourself at home with the UHomeLoan You ve probably got a few questions about UBank and the UHomeLoan. You should find all of the answers right here. And if you have something specific in mind, just
More informationPersonal banking for the business owner
Personal banking for the business owner Transaction Accounts Internet and Phone Banking Business Banking Online Savings Accounts Home Loans Portfolio Loan Wealth At Bank of Melbourne, we recognise your
More informationIs your. potential? Right Strategy.
Is your SMSF working to its full potential? Right Strategy. Right Time. While managing your own super provides investment flexibility and control, the biggest challenge is ensuring the decisions you make
More informationPersonal Financial Literacy Vocabulary
TEACHER GUIDE 5.3 SAVING AND INVESTING PAGE 1 Standard 5: The student will analyze the costs and benefits of saving and investing. Saving and Investing Tools Priority Academic Student Skills Personal Financial
More informationISA and Investment Funds Key Features
ISA and Investment Funds Key Features From Standard Life through Standard Life Client Management This is an important document. Please read it and keep for future reference. The Financial Conduct Authority
More informationYou may have to pay an early repayment charge to your existing lender if you remortgage.
Mortgages The Chiltern Guide to Mortgages Qualifying for a mortgage can be a complicated affair and some first-time buyers may find it daunting. It is important to choose the correct lender and not to
More informationEquity Release Guide. www.seniorissues.co.uk
Equity Release Guide www.seniorissues.co.uk For more information or to speak to one of our trained advisers please telephone our Senior Issues Team on 0845 855 4411 The Caesar & Howie Group 7/3/2008 EQUITY
More informationRetirement. Providing solutions for your future
Retirement Providing solutions for your future ,,,, We firmly believe that retirement is a time to enjoy the rewards of your lifes hard work and having access to the funds to turn your ideas and dreams
More informationBusiness Loan. This document sets out your loan s terms and conditions. Contents of these terms and conditions. Terms and Conditions
Business Loan Terms and Conditions This document sets out your loan s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Business Loan. It includes key
More informationYOUR GUIDE TO BUYING A NEW HOME.
YOUR GUIDE TO BUYING A NEW HOME. THE ROAD TO YOUR NEW HOME STARTS HERE. Buying a new home is exciting, but there s a lot to think about. We re here to help, with practical tips and online tools that make
More informationYour 401(k) Quick tips
Your 401(k) Quick tips The 401(k) plan offers you an easy way to prepare for retirement, and provides great benefits that help you boost your savings, including: Company matching contribution of up to
More informationFinance for Business Growth
Finance for Business Growth A Presentation by Clive Lewis, Head of Enterprise, Institute of Chartered Accountants in England & Wales (ICAEW) Finance for Growth Businesses Presentation will cover: Do you
More informationPersonal Loan. This document sets out your loan s terms and conditions. Some key information about your loan. Terms and Conditions
Personal Loan Terms and Conditions This document sets out your loan s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Personal Loan. It includes key
More informationALTERNATIVE FUNDING SOURCES FOR YOUR BUSINESS
ALTERNATIVE FUNDING SOURCES FOR YOUR BUSINESS Alternative Funding Sources Poor financial management is one of the biggest reasons why more than half of small businesses don t survive. This is particularly
More informationMaking the most of your retirement
Making the most of your retirement A guide to equity release and our advice service Provided by Contents Welcome from the Age UK Group 3 Do more with your retirement 4 What is equity release? 5 Is equity
More informationProduct Matrix If you have any questions, please call us for free on: 0800 032 95 95
Product Matrix please call us for free f on: 08000 032 95 95 Product Matrix please call us for free f on: 08000 032 95 95 Our USPs Quotes are free and won t affect your client s credit rating The system
More informationRISK EQUITIES BONDS PROPERTY INCOME SPIN-FREE GUIDE TO BONDS
INVESTING RISK EQUITIES BONDS PROPERTY INCOME SPIN-FREE GUIDE TO BONDS Contents Explaining the world of bonds 3 So what are bonds? 3 Understanding the risks 4 Three words you need to know 4 Understanding
More informationUnderstanding Managed Funds
... Understanding Managed Funds Contact us If you would like to know more about how AMP Capital can help you, please visit ampcapital.com.au, or contact one of the following: Financial Planners Personal
More informationBOS Banking Ombudsman Scheme
BOS Banking Ombudsman Scheme Quick Guide A mortgage is security for a loan. This means that if you have a mortgage and you fail to meet your loan repayment obligations, your banking service provider ultimately
More informationYour bid for growth funds. Supporting your business with financing decisions
Your bid for growth funds Supporting your business with financing decisions Contents 3 Introduction 4 Preparing your application 6 Assessing applications 8 What Barclays considers 9 Funding solutions 10
More informationHome and Investment Loans
Head Office 117 Camberwell Road Hawthorn East VIC 3123 PO Box 338 Camberwell VIC 3124 Branch Office 687 Mt Alexander Road Moonee Ponds VIC 3039 PO Box 210 Moonee Ponds VIC 3039 victeach.com.au 1300 654
More informationDISCOVER START UP LOANS
DELIVERING REVENUE z DISCOVER START UP LOANS A government funded scheme to provide advice, business loans and mentoring to startup businesses. SIMONE CIMMINELLI Head of Research +44 (0)7597685011 Simone@barattolo.co.uk
More informationSMALL BUSINESS DEVELOPMENT CENTER RM. 032
SMALL BUSINESS DEVELOPMENT CENTER RM. 032 FINANCING THROUGH COMMERCIAL BANKS Revised January, 2013 Adapted from: National Federation of Independent Business report Steps to Small Business Financing Jeffrey
More informationTD Direct Investing A Guide to ISAs
TD Direct Investing A Guide to ISAs Introduction The aim of this guide is to explain how an Individual Savings Account (ISA) works and the benefits to investors. We offer our services on an execution-only
More informationISAs GUIDE. An introduction to Individual Savings Accounts
ISAs GUIDE 2015 An introduction to Individual Savings Accounts ISAs GUIDE 2015 Introduction Most people s experience of saving starts in childhood. Your parents encourage you to save up a few pennies,
More informationTariff of Mortgage Charges
Tariff of Mortgage Charges Bradford & Bingley and Mortgage Express are closely involved in the mortgage industry s initiative with the Council of Mortgage Lenders and Which? to make our fees and charges
More informationYour Right. to Buy Your Home. A guide for Scottish Secure Tenants
Your Right to Buy Your Home A guide for Scottish Secure Tenants Your Right to Buy Your Home About this booklet This booklet is for Scottish secure tenants. If you are not a Scottish secure tenant, you
More informationHelp to Buy Buyers Guide. Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014
Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy August 2014 What is Help to Buy? Help to Buy is equity loan assistance to home buyers from the Homes
More informationSpecialist Student Loans
Specialist Student Loans Trusted by students from over 130 universities across the UK. financemyfuture.co.uk Students from over 130 universities have borrowed from Future Finance. About Future Finance
More informationIncisive Business Guide to Factoring
Incisive Guide to Factoring Factoring Guide Summary This guide from Incisive outlines the features and benefits for your business from using factoring and invoice discounting services. Factoring is commonly
More informationPENSION INVESTMENT APPROACHES GUIDE. More detailed information
PENSION INVESTMENT APPROACHES GUIDE More detailed information OUR COMMITMENT TO YOU We want to do everything we can to help you achieve what you need from your plan. Aiming for investment growth is vital,
More informationYOUR SMALL BUSINESS SCORECARD. Your Small Business Scorecard. David Oetken, MBA CPM
Your Small Business Scorecard David Oetken, MBA CPM 1 Being a successful entrepreneur takes a unique mix of skills and practices. You need to generate exciting ideas, deliver desirable products or services,
More informationMortgagee sales. What is a mortgagee sale? What should I do if I m in financial difficulty? 15 Mar 2012
15 Mar 2012 are among the most stressful of situations facing people who ask for our help. It is possible to stop to a sale right up to the last minute but usually only if you can find the necessary money
More informationANZ E*TRADE Share Investment Loan
ANZ E*TRADE Share Investment Loan Benefits at a glance Combine your money with a bank loan to increase your portfolio. Interest incurred on your loan may be tax-deductible. An optional diversified feature
More informationProperty Bridging loan Guide. www.fundingknight.com
Property Bridging loan Guide www.fundingknight.com 1 You can borrow from 100,000 to 1,000,000... 1 The basics What is the eligibility criteria? Please note, we do not arrange Property Bridging Our bridging
More informationKEY FEATURES. AVI ISA, AVI Share Plan, British Empire Trust plc
KEY FEATURES AVI ISA, AVI Share Plan, British Empire Trust plc KEY FEATURES INTRODUCTION YOUR INVESTMENT IMPORTANT - RISK FACTORS YOUR QUESTIONS ANSWERED HOW WILL CHARGES AND EXPENSES AFFECT MY INVESTMENT?
More informationFinancing your Home Purchase
Financing your Home Purchase page 1 Disclaimer This booklet is for information purposes only, and must not be relied on as a substitute for legal advice. page 2 Contents How Much Can You Afford? 1 Other
More informationCLUB LLOYDS PRIVATE BANKING ACCOUNT. Everyday banking that fits around you
CLUB LLOYDS PRIVATE BANKING ACCOUNT Everyday banking that fits around you WELCOME TO YOUR NEW CLUB LLOYDS PRIVATE BANKING ACCOUNT Contents Club Lloyds Private Banking Account 1 Current account credit interest
More informationso sodexo Welcome to Your Sodexo Retirement Program Your future P L A N O V E R V I E W A valuable benefit that lets you share in Sodexo s success
P L A N O V E R V I E W Your future so sodexo Welcome to Your Sodexo Retirement Program A valuable benefit that lets you share in Sodexo s success SOD_Enroll_Guide Mar_09 09IAS-03-003 2009 ING Institutional
More informationHow commercial products can help residential landlords. Speaker: David Weeds
How commercial products can help residential landlords Speaker: David Weeds The marketplace Commercial market Continued economic recovery Improved business confidence Increased demand for commercial property
More informationBonds are IOUs. Just like shares you can buy bonds on the world s stock exchanges.
Investing in bonds Despite their names, ShareScope and SharePad are not just all about shares. They can help you with other investments as well. In this article I m going to tell you how you can use the
More informationCombined Business Loan
Combined Business Loan Terms and Conditions This document sets out your loan or facility s terms and conditions In this document we ve explained the terms and conditions applying to your ANZ Business Loan
More informationGroup Additional Voluntary Contributions Plan Key features
Group Additional Voluntary Contributions Plan Key features This is an important document. Please read it and keep for future reference. The Financial Conduct Authority is a financial services regulator.
More informationSaving and Investing. Chapter 11 Section Main Menu
Saving and Investing How does investing contribute to the free enterprise system? How does the financial system bring together savers and borrowers? How do financial intermediaries link savers and borrowers?
More informationGUIDE TO RETIREMENT PLANNING FINANCIAL GUIDE. Making the most of the new pension rules to enjoy freedom and choice in your retirement
GUIDE TO RETIREMENT PLANNING Making the most of the new pension rules to enjoy freedom and choice in your retirement FINANCIAL GUIDE WELCOME Making the most of the new pension rules to enjoy freedom and
More informationYour Right. to Buy. A guide for Scottish Secure Tenants
Your Right to Buy Your Home A guide for Scottish Secure Tenants Your Right to Buy Your Home About this booklet This booklet is for Scottish secure tenants. If you are not a Scottish secure tenant, you
More information