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1 Equity & Loan Funding BUSINESS ANGELS OTHER LOANS grants Business support Guide 2014 Sponsored by

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3 Contents Introduction 6 Signposting Businesses to Sources of Finance and Support 7 The British Business Bank 8 Equity & Loan Funding 9-26 Finance for Business North East Accelerator Fund 9 Finance for Business North East Angel Fund 10 Finance for Business North East Growth Fund 11 Finance for Business North East Growth Plus Fund 12 Finance for Business North East Microloan Fund 13 Finance for Business North East Proof of Concept Fund 14 Finance for Business North East Technology Fund 15 Aspire Fund 16 BankToTheFuture 16 Big Issue Invest 17 Bridges Social Entrepreneurs Fund 17 Bridges Sustainable Growth Funds 18 British Business Bank Investment Programme 18 Business Finance Partnership 19 Business Growth Fund 19 Crowdbnk 20 Crowdcube 20 Enterprise Capital Funds 21 EV Growth Fund 21 Ground Six 22 GrowthFunders 22 Nesta Impact Investments 23 NVM Private Equity Limited 23 Seedrs 24 The Coalfields Funds 24 TwentyThreeMiles Fund 25 UK Green Investment Bank 25 UK Steel Enterprise Limited 26 Business Angels Angel Co-Fund 27 Angel and Entrepreneurs Club 27 Angels Den 28 Braveheart Investment Group 28 Business Angel Finance International LLP (BAFI) 29 Business Investors Group (BiG) 29 British Private Equity and Venture Capital Association (BVCA) 30 European Business Angel Network (EBAN) 30 Gabriel Investors LLP 31 Hotspur Capital Partners 31 Investor Forum 32 Tiger Corporate Finance Limited 32 UK Business Angels Association 33 Yorkshire Association of Business Angels (YABA) 33 Other Loans Asset Based Finance 34 Asset Finance 35 Bank Funding 36 BMF Trade Credit Enterprise Guarantee Scheme 37 BuzzBnk 37 Charity Bank 38 Co-operative & Community Finance 38 Darlington Borough Council The Falchion Fund 39 North East Access To Finance Guide CONTENTS

4 4CONTENTS Enterprise Finance Guarantee Scheme (EFG) 39 Entrust Growth Fund 40 Five Lamps Loan Fund 40 Funding Circle 41 Funding Knight 41 Key Fund Investments Limited 42 Lean Start Up Loans 42 MarketInvoice 43 North East Investment Fund (NEIF) 43 Platform Black 44 RateSetter 44 RBSG Micro-finance Fund 45 Social Incubator North 45 Spirit of Enterprise Loan Fund 46 Start-up Loans Stockton On Tees Borough Council Business Assistance 48 Street North East 48 Tees Valley Catalyst Fund 49 Triodos Bank 49 Virgin StartUp Loans 50 Zopa 50 Grants Access to Finance Grant UK Steel Enterprise 51 BFI Film Fund 51 Investment & Contact Readiness Fund 52 Growth Vouchers 52 Hartlepool Borough Council Business Grants 53 Innovation Vouchers 53 Investment for Growth 54 Let s Grow RGF Programme 54 New Enterprise Allowance (NEA) 55 NFM Company Kick Start Fund 55 NFM Development Fund 56 NFM Market Access Fund 56 North East Business Support Fund 57 Northumberland Business Growth Programme 57 Regional Growth Fund (RGF) 58 Smart Scheme Technology Strategy Board 58 Sunderland City Council Business Grants 59 The North East SME Innovation Programme 59 Business Support Asian Business Connexions 60 Be Franchising 60 BE Group 60 Bionow (CELS Ltd) 61 Bridge Club 61 Business and IP Centre Newcastle 61 Business Durham 62 Business Innovation Gateway 62 Business Northumberland 62 Business Support Helpline 63 CapitaliSE 63 CDC Enterprise Agency 63 Centre for Process Innovation (CPI) 64 Confederation of British Industry (CBI) 64 Derwentside Enterprise Agency (DEA) 64 Design Network North (DNN) 65 Digital Union 65 DigitalCity Business 65 Durham Creatives 66 Durham University Business School 66 East Durham Business Service (EDBS) 67 EEF 67 North East Access To Finance Guide 2014

5 Enterprise Europe Network 67 Enterprising Darlington 68 Enterprising Newcastle 68 Entrepreneurs' Forum 68 Entrust 69 Federation of Small Businesses (FSB) 69 Finance Tree 69 Five Lamps 70 Gateshead Business 70 Gateshead Council Economic Development Team 71 Generate Ventures North LLP 71 Generator 71 Grow Greener Programme 72 Growth Accelerator 72 Knowledge Transfer Partnerships (KTPs) 73 Manufacturing Advisory Service (MAS) 73 MentorsMe 74 Middlesbrough Council Economic Development Team 74 National Renewable Energy Centre (NAREC) NBSL 75 NETPark Net 75 Newcastle Science City - Business Support 76 Newcastle Gateshead Initiative (NGI) 76 Newcastle University Business School NOF Energy 77 North East Access to Finance Ltd (NEA2F) 77 North East Business and Innovation Centre (BIC) 78 North East Chamber of Commerce (NECC) 78 North East Process Industry Cluster (NEPIC) North East Rural Growth Network (RGN) 79 North East Social Enterprise Partnership (NESEP) 80 North Tyneside Council Business & Enterprise Team 80 Northern Defence Industries (NDI) 80 Northern Film and Media (NFM) 81 Northern Pinetree Trust 81 Northumbria University 82 Prince s Trust 82 Project North East (PNE) 83 Ready for Business 83 RTC North 83 Shell LiveWIRE 84 Social Enterprise Acumen CIC 84 Social Enterprise UK (SEUK) 84 South Durham Enterprise Agency (SDEA) 85 South Tyneside Council - Business Assistance 85 Sunderland City Council - Business Investment Team 86 Sunderland Software City 86 Sustainable Enterprise Strategies (SES) 86 Technology Strategy Board (TSB) 87 TEDCO Business Support Limited 87 Tees Valley Business Club 87 Teesside University Business Services 88 The Alchemists 88 The Business Factory 89 The Cooperative Enterprise Hub 89 The Enterprise Team Redcar and Cleveland 89 The Experience Bank 90 The Investment Centre 90 UK Export Finance 90 UK Trade & Investment (UKTI) 91 University of Sunderland Business Services 91 UnLtd 91 Index 92 North East Access To Finance Guide CONTENTS

6 Introduction In introducing this, the fifth incarnation of the Guide, I would like to take a moment to thank our new sponsors, Square One Law: their generous sponsorship has made the publication of the 2014 Access to Finance Guide possible proved to be a key year, not only in securing funding for North East businesses, but in ensuring that funding continues well into the future. The North East s SMEs are fortunate in having access to a number of publicly backed investment funds and the continuation of these funds is vital if these businesses, which are the lifeblood of the region s economy, are to flourish. I am delighted to say, thanks to a number of events in 2013, their future looks secure for some time to come. To begin with, 2013 saw significant further activity from the existing Finance for Business North East (FFBNE) programme run by our sister company, North East Finance. The funds carried out a wide range of investments but probably the most significant was the first Initial Public Offering on the AIM of a FFBNE backed company, Applied Graphene Materials. Perhaps the most welcome development, though, was the extension of the current programme, which will now run until the end of Another important event this year was the creation of the Let s Grow fund, a collaboration between Trinity Mirror Group, BE Group and UNW LLP, which provides grant support for capital investment and R&D projects. This is of tremendous importance as it has allowed SMEs to apply for Regional Growth Funding which, until now, was only available to large businesses. One of North East Access to Finance s main roles is helping start-ups and SMEs navigate their way through the funding options available to them; to that end we carried out a series of exercises last year. In February we launched our North East Access to Finance Guide website (also sponsored by Square One Law) which, in the year since its launch, has been viewed almost 70,000 times. The website provides a comprehensive guide to the various funding sources available to SMEs. We recognise that the pace of change in the world of access to finance makes it very difficult to keep up with developments and for this reason we launched our weekly news update during Subscribers can sign up from the home page of our website at and receive all the SME access to finance news directly to their inboxes every Friday morning. Throughout 2013 we have assisted both Local Enterprise Partnerships with their plans for Access to Finance in the future; this includes building on the success of the existing Finance for Business North East programme. For these, and many other reasons it is my view that 2013 will be remembered as a successful year and as one which laid building blocks for the future. Looking forward to 2014 it will be interesting to see what impact the new British Business Bank and the first Regional Social Investment Fund for the North East will have when they open for business. At North East Access to Finance, we will continue to work with our partners to map out future programmes post 2015 and build on the tremendous achievements of the past 12 months. Geoff Hodgson Chair North East Access to Finance Limited 6 North East Access To Finance Guide 2014

7 Signposting Businesses to Sources of Finance and Support The North East Access to Finance Guide has, since its inception, been an indispensable tool for businesses, fund managers, accountants and corporate finance lawyers as they seek to navigate the complex web of finance initiatives both within the North East and beyond. Since February 2013 the Guide has been available via the website enabling businesses and their advisors to access up-to-the-minute information. Users of the site are able to search from 250 sources of funding and business support including public sector investment funds, equity and loan funds, business angels, grants, and information on the services offered by business support agencies. The on-line Guide also offers a comprehensive range of funding options available for social enterprises. Businesses and their advisers are able to interrogate the on-line Guide via an intuitive search function allowing them to identify relevant sources of finance by specifying the stage of the business, pre-start, early stage, growth or mature and by the amount and type of funding required. Subsequent options to identify their business sector and area of operation allow the search to be further refined. The website employs the latest responsive technology ensuring the user a comfortable experience whether they are viewing on the move on a mobile phone or tablet, or in the office on a PC. A comprehensive events calendar, where users are able to search for business related events and workshops, is a significant feature of the site. Providing the region s businesses with information regarding the latest sources of finance and support is a key part of what NEA2F is about. The on-line Guide is a huge step towards this objective and North East Access to Finance is grateful to fund managers and providers of business support in the region who have proved willing to work with them to ensure that it remains a relevant and up-to-date resource for the region. North East Access To Finance Guide

8 The British Business Bank started operating in shadow form in October 2013 and will become fully operational during the second half of The British Business Bank currently exists as a programme within the Department for Business, Innovation and Skills (BIS). Once EU State aid approval has been granted, the Business Bank will run as an arms-length institution and BIS will hand over responsibility for state-funded business finance schemes. The British Business Bank is being set up as an economic development bank to create more effective and efficient finance markets for smaller businesses in the UK. 1 billion of new funding will help to expand existing schemes, and create new ways to unlock finance for smaller businesses. The Business Bank will also be taking over the management of 2.9 billion of existing commitments which help smaller businesses. The Business Bank s stated aim is to tackle long-standing weaknesses in access to finance, so that viable smaller businesses can access the finance they need. Where there is a highly concentrated market for smaller business lending in the UK - leading to lack of diversity of financing choices for smaller businesses - the Business Bank will fund alternative providers of finance through the Business Finance Partnership (Page 19) and the British Business Bank Investment Programme (Page 18). To help smaller, less established businesses, that are less likely to secure financing of any type, the Business Bank will provide debt and venture capital solutions to encourage lenders to fund smaller businesses. Current debt programmes offered to these businesses are the Start-Up Loans scheme (Page 46), the Enterprise Finance Guarantee (Page 39) and the Enterprise Finance Guarantee for trade credit providers (Page 37). Equity programmes consist of Enterprise Capital Funds (ECFs) (Page 21), ECF Venture Capital Catalyst, the Business Angel Co-Fund (Page 27), the UK Innovation Investment Fund (now closed for investment) and the Aspire Fund (Page 16). The British Business Bank will help lenders such as banks and non-bank financial institutions unlock more lending to smaller businesses. Business Bank products will enable them to use their capital and liquidity more efficiently and free up capacity. These products will help to resolve specific market failures and will evolve as markets change. The Business Bank will seek to address the lack of longer-term development capital as a consequence of banks providing less unsecured and long-term debt for smaller businesses due to changing regulatory rules and risk appetites. 8 North East Access To Finance Guide 2014

9 FINANCE FOR BUSINESS NORTH EAST ACCELERATOR FUND The Fund invests in high growth, innovative early stage businesses, with individual investments ranging in size from 100k to 750k. The Fund is managed by Northstar Ventures; a Newcastle-based venture capital company that specialises in investing in early stage opportunities. Investments are generally equity-based deals, and are often syndicated with private sector investors, including business angels, institutional investors and corporates. Debt or quasiequity investments will be made where appropriate. Northstar seeks to invest in companies located, or with substantial operations, in the North East of England, or those that are willing to relocate to the region. Who can apply? Early stage SMEs in most sectors who possess the following characteristics: Equity & Loan North East England Early Stage, high growth innovative businesses in most sectors Size of investment From 100k to 750k Availability End of 2015 EQUITY & LOAN FUNDING A strong management team with the ability to grow the company. A focus on under-served, growing and potentially substantial markets. A scalable business model. Market-driven rather than technology-led business plans. The Fund is managed by: Northstar Ventures 5th Floor, Maybrook House Grainger Street Newcastle upon Tyne NE1 5JE Tel:

10 EQUITY & LOAN FUNDING FINANCE FOR BUSINESS NORTH EAST ANGEL FUND The North East Angel Fund is a 7.5m fund which invests in start-up and existing businesses with growth potential. It is not biased towards any specific industry sector but works with new or early stage businesses. The fund generally invests between 25k and 150k with the ability to attract significantly more capital from co-investors. The fund is actively engaged with the region s early stage business community and with investors, both institutional and business angels, in the North East region as well as London and the South. Who can apply? Most sectors are eligible but check the website for exclusions. Equity & Loan North East England New, early stage & existing businesses in most sectors Size of investment From 25k to 150k Availability End of 2015 The Fund is managed by: Rivers Capital Partners Limited 3rd Floor, 2 Collingwood Street Newcastle upon Tyne NE1 1JF Tel:

11 FINANCE FOR BUSINESS NORTH EAST GROWTH FUND The 23m Growth Fund has been set up to help ambitious companies that are looking to expand and create new jobs across the North East to achieve their goals. Investments are usually from 50k to 750k. The Fund Manager has the discretion on the use of financial instruments but a substantial proportion of the fund will be invested in quasi-equity/mezzanine instruments. Who can apply? Relatively mature companies at development and growth stages in most sectors are eligible to apply to the Growth Fund although there are a number of exclusions which can be found on the NEL website. Eligibility Limited companies preferred, although unincorporated businesses are eligible. NEL cannot invest in sole traders or partnerships. If your company is part of a group of companies, NEL would expect to invest in the top company which must be limited by shares. Equity & Loan North East England Established companies at development or growth stage in most sectors Size of investment From 50k to 750k Availability End of 2015 EQUITY & LOAN FUNDING The Fund is managed by: NEL Fund Managers Limited City Quadrant 11 Waterloo Street Newcastle upon Tyne NE1 4DP Tel:

12 EQUITY & LOAN FUNDING FINANCE FOR BUSINESS NORTH EAST GROWTH PLUS FUND The North East Growth Plus Fund is managed by FW Capital who can invest from 350k to 1.25m in a single round. FW Capital also seeks to syndicate with banks, venture capital houses, the public sector and private investors such as business angels whilst having the discretion on the use of quasi-equity type deals within mixed-instrument deals. Who can apply? FW Capital typically invests in businesses with established revenues that require an injection of development capital to add impetus to their future growth plans and who are: seeking to expand, invest in new infrastructure or purchase new equipment; preparing for flotation; implementing new technology or processes. Equity & Loan North East England Established businesses in most sectors, looking to expand Size of investment From 350k to 1.25m Availability End of 2015 The Fund is managed by: FW Capital Limited Suite 306, Rotterdam House 116 Quayside Newcastle upon Tyne NE1 3DY Tel: Joanne Pratt: Rob Jones: Michael Vassallo: Rebecca Morley: 12

13 FINANCE FOR BUSINESS NORTH EAST MICROLOAN FUND The Finance for Business North East Microloan Fund is the seventh fund of the 125m Finance for Business North East Programme. The fund has been made possible by a unique collaboration between the European Investment Bank (EIB) and the European Regional evelopment Fund (ERDF). Entrust manages the 5m Microloan Fund on behalf of North East Finance and aims to support the creation of new enterprises and the growth of existing micro and small businesses (including Third Sector Organisations) across the region. Who can apply? Start-up and existing businesses who are finding it difficult to secure mainstream finance. Small businesses (whether companies, partnerships, sole traders or third sector organisations) who are unable to access mainstream finance but have a viable business capable of repaying a loan. Individuals who want to start a business or third sector organisation can also apply. Applications are welcomed from all individuals including those defined as disadvantaged (e.g. individuals with a disability, unemployed people, ex-services personnel and ex-offenders). * However, loans are not available for proof of concept funding. It may be a condition of the loan for limited companies to provide a personal guarantee from one or more of the Directors. Loan North East England Sole traders, micro, small & early stage businesses, social enterprises, third sector organisations Size of investment From 1k to 25k Availability End of 2015 EQUITY & LOAN FUNDING The Fund is managed by: Entrust First Floor Media 5 The Media Exchange Coquet Street, Ouseburn Valley Newcastle upon Tyne NE1 2QB Tel:

14 EQUITY & LOAN FUNDING FINANCE FOR BUSINESS NORTH EAST PROOF OF CONCEPT FUND The Fund s investments will generally be in convertible loan or equity form from 20k to 100k, but it has the ability to complete follow-on investments above this level. The Fund is available to eligible technology businesses located, or with substantial operations, in the North East of England. Northstar Ventures, the company managing the Fund, also seeks to invest in businesses that are willing to relocate to the region. The Fund supports the very early stages of business creation within the technology sector. Northstar works with the region s universities, Centres of Excellence, individual entrepreneurs, technology start-ups and SMEs to develop new businesses or to fund specific, innovative commercial opportunities. Who can apply? Existing businesses, start-ups or universities who possess the following characteristics: A credible management team. A focus on under-served, growing, and potentially substantial markets, and a scalable business model. Proprietary technology with a strong IPR and a defensible technological advantage over the competition. Market-driven rather than technology-led development. Loan North East England Seed stage businesses in the technology sector Size of investment From 20k to 100k Availability End of 2015 The Fund is managed by: Northstar Ventures 5th Floor, Maybrook House Grainger Street Newcastle upon Tyne NE1 5JE Tel:

15 FINANCE FOR BUSINESS NORTH EAST TECHNOLOGY FUND The investments range from 50k to 1.25m at the initial round with follow on finance available. The Fund Manager can co-invest with other institutional, private or corporate investors acting either in a lead capacity or as a syndicate participant. Who can apply? Technology companies seeking finance at any stage of their maturity extending from proof of concept and seed to development capital. To qualify for investment the opportunity should possess the following characteristics: A strong management team with the breadth of skills and ability to grow the company quickly. (Not all of the elements of the team need to be in place at the time of investment. IP Group can help build the team as required) A focus on under-served, growing and potentially substantial markets; Products with international potential and a scalable business model; Proprietary technology with strong IPR and a defensible technological advantage over the competition; Market-driven rather than technology-led development and potential to achieve an exit for investors within four to six years. Equity North East England Technology companies at all stages Size of investment From 50k to 1.25m Availability End of 2015 EQUITY & LOAN FUNDING The Fund is managed by: IP Group plc Suite 1, Floor 7, West One Forth Banks Newcastle upon Tyne NE1 3PA Tel:

16 EQUITY & LOAN FUNDING ASPIRE FUND The Aspire Fund is a co-investment fund that will provide up to 50% of funding for any one investment alongside other private investors new to the business. The objective of the Fund is to increase the number of successful women-led businesses within the UK, ensuring that those with real potential to succeed are not held back through lack of growth capital. Women-led businesses are measured by the composition of the board, ownership of equity and the roles of senior female executives. Any investment will need to be supported by a lead investor, which in many cases will be an established Venture Capital firm, but could also be an experienced Angel investor. Equity UK Women-led established and growing businesses in all sectors Size of investment From 100k to 1m Contact: British Business Bank Limited Tel: BANKTOTHEFUTURE BankToTheFuture.com allows everyday people to back and invest in companies online and pool their money together to fund businesses. BankToTheFuture.com is like an online dragons den where you and hundreds of other people pool their money together to become dragons. BankToTheFuture.com allows businesses to raise finance online by pitching their businesses to a crowd of investors online and offer support through their incubator to get your business fully investment ready. They are an FCA regulated equity CrowdFunding platform that allows you to offer rewards and shares in your company to people that want to back or invest in your company starting from as little as 10. BankToTheFuture.com is now operating Europe-wide. Equity & Loan/Crowdfunding UK All businesses in all sectors at any stage of development Tel:

17 BIG ISSUE INVEST Big Issue Invest is a specialised provider of finance to established social enterprises and Community Development Finance Institutions (CDFIs) seeking to scale up and find business solutions that create social and environmental transformation. Part of The Big Issue group of companies, it is led by social entrepreneurs and experienced social financiers. They provide finance for established social enterprises in the form of loans, participation loans (where repayment is linked to the future performance of the enterprise) and equity. Big Issue Invest is accredited both as a wholesale and retail CDFI and can offer Community Investment Tax Relief to Investors. Equity & Loan UK Established social enterprises Size of investment From 50k to 1m EQUITY & LOAN FUNDING Contact: Rod Jones on Tel: BRIDGES SOCIAL ENTREPRENEURS FUND The Bridges Social Entrepreneurs Fund invests in social enterprises based in England that have: a clear social mission (protected in their legal structure) a robust business model the ability to grow to scale and increase their social impact a financially sustainable model the ability to generate surpluses to repay financing a strong management team Contact: Bridges Ventures LLP Tel: Equity & Loan England High growth Social enterprises; charities; social businesses; cooperatives/mutuals Size of investment Up to 1.5m 17

18 EQUITY & LOAN FUNDING BRIDGES SUSTAINABLE GROWTH FUNDS Bridges Ventures is a specialist fund manager, dedicated to using an impact-driven investment approach to create superior returns for both investors and society at-large. The Bridges Sustainable Growth Funds back high growth, high impact businesses pursuing a range of growth strategies. The Funds invest where financial returns go hand in hand with positive impacts for society. This means a focus in particular on businesses in sectors like education, health or environment, or on consumer champion businesses serving underserved markets or companies building economic dynamism in under-invested parts of the country. The Fund typically invests between 2m to 15m in businesses pursuing organic growth, buy and build or roll out strategies. Contact: Bridges Ventures LLP Tel: Equity UK Ambitious businesses in sustainable sectors requiring growth capital Size of investment Bridges Ventures will invest alone and in partnership usually typically between 2m to 15m BRITISH BUSINESS BANK INVESTMENT PROGRAMME The Investment Programme, which builds on the Business Finance Partnership, was launched in April 2013 and is aimed at supporting and developing access to finance for smaller businesses. It makes commercial investments that stimulate at least the same amount of investment from the private sector, encouraging new lenders in to the market and the growth of smaller lenders. The first 45 million of funding has been committed to Praesidian Capital Europe ( 30 million) and BMS Finance ( 15 million) to provide debt finance of approximately 125 million through their respective new funds. Once legal terms are agreed it is expected that both funds will start lending to small businesses in early Equity & Loan UK Small to medium sized businesses Praesidian Capital Europe BMS Finance 18

19 BUSINESS FINANCE PARTNERSHIP The Business Finance Partnership (BFP) aims to increase the supply of capital through non-bank lending channels and, in the longer term, to help to diversify the sources of finance available to businesses. It will co-invest a total of 1.2bn through these channels, matched by at least equal private sector capital, to help create and support new sources of lending for small and mid-sized businesses in the UK. The Small Business Tranche of the BFP, administered by the Department of Business, Innovation and Skills (BIS), focuses on coinvesting through non-traditional channels, such as peer-to-peer platforms, supply chain finance and mezzanine finance for businesses with a turnover below 75 million. Equity & Loan UK Businesses with turnover below 75m EQUITY & LOAN FUNDING Prospective small business borrowers should contact the appointed lenders directly. Their contact details can be found at: BUSINESS GROWTH FUND The Business Growth Fund works to support established companies with strong growth potential and turnover in the range of 5m to 100m. The investment provided is in the form of equity capital. The minimum equity stake in any business will be 10% and the duration of the investment is flexible; typically from 2 to 10 years. The fund invests in all business sectors with the exception of regulated financial services and property development. Tel: Equity UK Established UK Enterprises with 5m to 100m turnover with strong growth potential Size of investment From 2m to 10m 19

20 EQUITY & LOAN FUNDING CROWDBNK CrowdBnk is an equity crowdfunding platform offering start-ups and SMEs in the UK an efficient and transparent way to raise growth capital. CrowdBnk is an appointed representative of Resolution Compliance (which is authorised and regulated by the FCA), and has the necessary permissions to offer crowdfunded equity investments to all appropriate UK-based investors. CrowdBnk s platform has digitised most of the investment process: including proprietary software-based due diligence, online and mobile payments through to term sheet generation and deal execution. All projects undergo a robust vetting process before being listed. Equity/Crowdfunding UK Start Ups & SMEs Tel: CROWDCUBE Investing just got exciting. As the world s first equity crowdfunding platform, Crowdcube enables everyday investors to fund British businesses like yours in return for a share in their company. And it s working. Since February 2011, over 56,000 savvy investors have registered with the platform, helping raise more than 16m for almost 90 UK businesses*. Their ground-breaking model lets entrepreneurs bypass the traditional business angel, venture capital or bank route, giving them more control and access to more investors. (*Figures correct as of Jan 2014) Equity/Crowdfunding UK Start-ups and business expansion in all sectors Tel

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