Business finance. for the real world

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1 Business finance for the real world

2 Business finance for the real world

3 Here at ABN AMRO Commercial Finance, we work in the real world and know that life can be full of ups and downs, obstacles and frustrations. But we can allow ourselves to smile at all these things once the big issues have been dealt with like funding the growth of your business.

4 We can help you fund your big business ambitions But we can t do anything about the little things in life You ve held the meetings, you ve made all the right calls, you ve discussed and deliberated, but before you can press go on your business plans you need to know if you can raise the necessary funds fast. As the bearers of good news we d like to tell you that the working capital you require already exists within your business, whether it s locked into an invoice stream or contained within your assets, you need look no further. Having helped thousands of UK companies raise greater funding, quicker, Venture Finance established itself as a leading Invoice and Asset Based Lender and as we embark on a new era as ABN AMRO Commercial Finance, your business can look forward to realising its ambitions. And it s all achievable through our range of specialist finance services, including Factoring, Invoice Discounting and Asset Based Lending. So stop worrying about all the little things that may frustrate you from time to time and get ready to discover what s right for your business with ABN AMRO Commercial Finance.

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6 There s nothing average about us Bland and boring are not words you ll hear being said at ABN AMRO Commercial Finance. If it can be done differently then you can rest assured we re doing it. We re not stuck in our ways and, by putting our clients wants and needs at the heart of everything we do, we stay in-tune with the real world around us. We ve removed the red tape and the box ticking to create a can-do culture that is focused on you achieving your business aims no matter what. If our flexibility requires us to bend over backwards then we ll do it. After all, we are here to look after the big problems so you can just smile about the little things in life.

7 With you all the way Whether it s our experienced Credit Control team, who are constantly looking to improve your working capital through to our Relationship Managers who are happy to visit you at a moment s notice, we employ a rare breed here at ABN AMRO Commercial Finance. Conscientious and passionate individuals who understand the importance of listening as well as talking. We thrive on being proactive, working closely with you to find alternative ways of getting things done and delivering on our promise. What s more, because ABN AMRO Commercial Finance has twice as many specialist staff to look after each Invoice Finance client than most banks*, when we say we care about your business and where it s going, we mean it. * Source: Published Client/Officer and Staff figures (Bank average 8.5 clients per staff member. ABN AMRO Commercial Finance average 4.7 clients per staff member). Business Money 2010 Receivables Review, published March 2011.

8 We can fund your drive for growth But we can t get Sam to retake his driving test Growth There are some things we can t steer in the right direction so instead we ll focus on helping you drive the growth of your business. Just like we did for The Oyster Partnership when they saw a gem of an opportunity. The Oyster Partnership The Oyster Partnership is a specialist public sector recruitment company and for over seven years we ve provided them with an Invoice Finance facility that has ensured a regular flow of funds to support their rapid growth. A perfect example of how access to funding has helped Oyster grow is when the recruiter was tasked with supplying 60 property maintenance specialists at short notice. This meant that they needed a rapid cash injection of about 350k to fund the project. Within days ABN AMRO Commercial Finance provided the finance required. The contract turned out to be worth about 1m and was an important factor in the company growing its turnover from 1.8m to over 5m in three years. They say that the proof is in the pudding and this case shows that if you need access to funds to meet your business ambitions, ABN AMRO Commercial Finance are the people to find it for you.

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11 Ok for clearance? Headroom If your business has got its sights set on the road ahead as well as the here and now, you need to make sure you ve got adequate financial headroom. So we put our ideas together and developed a range of financial packages that are both forward-looking and sustainable. This way we can make sure your company is not only future-proof, but in a much stronger position to turn your ideas into reality. Metalrax Storage The ability of a business to make the most of new opportunities that appear, can hinge largely on whether or not it has the necessary headroom. This was a key reason behind the management buy-in planned at industrial storage manufacturer, Metalrax Storage. The new owners needed additional finance fast in order to meet future demand and take the business on to the next level and ABN AMRO Commercial Finance responded rapidly with a Confidential Invoice Discounting facility and a Plant & Machinery Loan worth 150k. Which shows that if you want to stay one step ahead, it makes sense to talk to ABN AMRO Commercial Finance.

12 We can fund your dreams to expand your business But we can t stop Ed eating carbs for lunch Expansion If you re tired of pursuing traditional methods of finance and you re eager to expand your company, then you ll be glad to hear about the eye-opening range of services from ABN AMRO Commercial Finance. We ve already helped thousands of UK firms fund their dreams and it s only a matter of time before your ideas see the light of day. Limited Space Limited Space developed Adlift, a full adhesive advertising hoarding for lift doors in shopping malls, which quickly became the catalyst for expansion but extra finance was urgently required to ease cashflow pressures. ABN AMRO Commercial Finance responded with an Enterprise Finance Guarantee funding package to drive the company s ambitious plans. This resulted in an increase in turnover from 120k to 1.7m over the next two years and in Limited Space becoming a recognised player in the outdoor media industry. Illustrating once again that when you need to expand, your mind only has to stretch as far as ABN AMRO Commercial Finance.

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15 Ready for all weathers Refinance In recent years a trend has formed that s seeing more and more businesses refinancing to ensure they re prepared to deal with an economic climate that s as unpredictable as the British weather; where we just don t know what to expect from one day to the next. By planning ahead and putting the right facilities in place now, you are positioning your business to thrive, not just survive. And Invoice and Asset Based Lending is the perfect way to help you do it. ABN AMRO Commercial Finance provide everything you ll need to give your business a healthier outlook. Our Asset Based Lending services are designed to fit like a glove and offer a complete refinancing solution to help your business grow. And by making the most of the fixed assets in your business, you can generate extra headroom beyond the level already achieved through Invoice Finance a figure that could boost your ability to respond quickly to opportunities on the horizon. So if you re in the business of progressive refinancing, make sure you re ready for all weathers with ABN AMRO Commercial Finance.

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17 We can fund your interest in a merger But we can t get Colin to stop talking Acquisition If you want to catch your competitors napping by purchasing a business in order to gain market advantage, then ABN AMRO Commercial Finance is ready to help. Whether it s through an acquisition, merger or takeover, we ll put your assets to work using Invoice and Asset Based Lending so you can raise the finance you need to buy other companies fast. And we re not just here for today either we re ready to support you on any future goals and ambitions you ve got in the pipeline. Discovery Foils When Discovery Foils acquired a business put up for sale by aluminium rolling company Novelis, a strict time limit meant there couldn t be any dilly-dallying negotiations. Getting the funding in place was essential, so their accountancy and advisory firm worked closely with Discovery Foils to agree a financial package with ABN AMRO Commercial Finance. We had the money in place before they knew it and ensured that a complex transaction that would normally have taken five months was concluded in two. Trust ABN AMRO Commercial Finance to make your acquisitions a swift and stimulating process.

18 We can offer you a great range of services But we can t improve the garage s choice of sandwiches Thanks to our superior range of award-winning Invoice and Asset Based Lending services, you ll be pleased to hear that ABN AMRO Commercial Finance can cater for businesses of all shapes and sizes, regardless of how big your appetite for growth is.

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21 Factoring Tired of waiting? Factoring The great thing about Factoring is it allows you to gain immediate access to your working capital as soon as you raise your invoices. With up to 90% of the invoice value provided straight away, you ll have the funds you need to drive your business forward without having to wait the 30, 60 or even 90 days for your customer to pay you. And unlike an overdraft, funding levels automatically grow as your business does without the need for constant renegotiation. And don t forget our award-winning team of Credit Controllers will take the time to understand your business and customers to ensure your plans don t meet any unnecessary hold-ups. Ideal for funding start-ups and growing or expanding companies Receive up to 90% of your invoice value upfront Balance paid on collection, less our agreed fees The option of Bad Debt Protection to protect your business Flexible finance that grows as your business grows What makes you eligible: You are a business-to-business company in the UK You have an annual turnover above 100k or you are a start-up business with a strong business plan You issue invoices with trade credit terms from 14 to 90 days FastTrack Are you a business with sub 2m turnover and are simply looking for fast access to Factoring with or without Bad Debt Protection? Then our FastTrack solution could be the answer. One visit and a same-day survey are often all it takes for an in-principle decision and offer of finance. And we aim to have your facility in place within days.

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23 Avoid delays Invoice Discounting Invoice Discounting If you re looking to grow or expand your business and you want to be able to release your working capital immediately to increase flexibility and you have an established in-house and well-run credit control function in operation, you don t have to stand around waiting for your customers to pay you when Invoice Discounting is all ready to go. The advantage of Invoice Discounting is it enables your business to receive up to 90% of the invoice value on a confidential basis without delay and unlike an overdraft, funding levels automatically grow as your business does. So now you can get your plans on track and forge your business ahead. Quick way to free up money, without changing your established credit control procedures Flexible facility that grows with your business Improved cashflow: you no longer have to wait up to 90 days to get paid It s confidential your customers will never need to know Cleared funds can be in your account the day after you raise your invoice What makes you eligible: You are a business-to-business company in the UK You have an annual turnover above 500k You issue invoices with trade credit terms from 14 to 90 days You have an established and well-run credit control function FastTrack Do you simply require Invoice Discounting with or without the Bad Debt Protection and have an annual turnover of 5m or below? With our FastTrack solution one visit and a same-day survey are often all it takes for an in-principle decision and offer of finance available. We ll also aim to have your facility in place within days.

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25 Secure in the knowledge Bad Debt Protection We believe you can never be too careful. After all, as an evolving business the last thing you need is your customer s insolvency damaging your ability to grow. That s why with our Bad Debt Protection service looking over your business you can sleep easy at night. It works in conjunction with our Factoring or Invoice Discounting services and provides 100% cover on credit-approved debt ensuring you can realise your ambitions with complete confidence. And as added security, our award-winning Credit Team will credit-check existing and prospective customers for you and offer cover on each customer at a level they feel is appropriate. Up to 100% protection that s 10% more than others will offer One of the most experienced teams in the industry, with an average of 20 years experience per team member Free credit checking on new customers Typically higher credit limits on your customers Fast claim payments, with minimal paperwork Competitively priced service, also available on export activities Automatic pay-out on approved unpaid invoices post 120 days for Factoring clients Bad Debt Protection Our Bad Debt Protection service is available to all of our Factoring and Invoice Discounting clients.

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27 Some help from the capital Enterprise Finance Guarantee If you discover that the working capital you ve raised isn t enough to bring your plans to life, then the Enterprise Finance Guarantee (EFG) will come to the rescue. This Government-backed business loan replaces and improves upon the popular Small Firms Loan Guarantee scheme and the decision-makers in the capital have designed it to help established companies access additional funding or working capital between 25k and 1m. It works whereby the Government, through the BIS, guarantees up to 75% of the business loan that is provided by ABN AMRO Commercial Finance in conjunction with our Factoring or Invoice Discounting services. Which means if you are a business-to-business operation in the UK with an annual turnover between 500k to 25m, you qualify to receive the extra funding you need to realise your business ambitions. Borrow from 25k to 1m 75% of the EFG loan is guaranteed by the Government The Enterprise Finance Guarantee is provided in addition to Factoring or Invoice Discounting Minimal paperwork ABN AMRO Commercial Finance handles all the details of the scheme to simplify the process for you Repayment terms of up to five years Enterprise Finance Guarantee What makes you eligible: You are a business-to-business operation in the UK You have an annual turnover from 500k to 25m You are looking for funding between 25k and 1m You are able to demonstrate profitable trading via audited accounts for the previous year

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29 You re sat on it Asset Based Lending For many businesses the answer to funding growth plans can be closer than you think and contained within your assets. If this happens to be you, then Asset Based Lending is a fast and easy way for you to raise the funds you need. And because ABN AMRO Commercial Finance can often raise more than many other invoice financiers, you ll be able to kick-start your plans for the future with confidence. In essence, Asset Based Lending creates finance against existing assets so you can raise funds secured on tangibles you already own or wish to. Working alongside Factoring or Invoice Discounting, Asset Based Lending is a great way to raise significant amounts of funding without having to feel for your wallet. Using Asset Based Lending, we can typically raise up to 30m in corporate finance to support business expansion, takeovers, MBIs, MBOs or other funding requirements. Achieve more headroom for ultimate flexibility Get significantly more than from other invoice financiers with our progressive finance approach Raise money for MBI/MBOs or refinancing, without surrendering equity Enjoy continuity of funding, which grows as you grow An asset finance package built to fit your precise requirements Asset Based Lending What makes you eligible: You are a business-to-business company in the UK Your business or the acquisition target owns assets suitable for finance - Plant and machinery - Property - Stock finished goods or raw materials You wish to combine Factoring or Invoice Discounting with Asset Based Lending solutions Your annual turnover is 1m or more

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31 Wherever your work takes you Trade Finance If your business is looking further afield for opportunities to grow, trading with suppliers and customers overseas can stretch your working capital. Thankfully, we provide two services that ensure end-to-end funding for the entire business journey. Import finance Import Finance will help you to bridge the funding gap between an order from a customer placed on credit terms and the payment demanded by your overseas supplier. Which means our import finance facility will: Fund up to 100% of your overseas purchases including freight, duty and VAT Take care of the paperwork by arranging letters of credit on your behalf Work alongside Invoice Finance to fund from the supply chain through to settlement of sales invoices What makes you eligible: You are a business-to-business supplier based in the UK selling on trade terms You are importing goods into the UK against confirmed orders Your overseas supplier wants the security of a defined payment date Export finance Our Export Finance service is all about helping you improve the efficiency of your export business, while reducing the risks. You can benefit from: Improved cashflow from day one Local collections in the country of your customer Credit analysis of the overseas customer with the option of Bad Debt Protection Trade Finance finance What makes you eligible: You are a business-to-business organisation based in the UK You sell to overseas customers and issue invoices with trade credit terms ranging from 14 to 90 days You have clear documentation and an established delivery system

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33 For when you need a top up Privilege Sometimes we need a bit more to get us through the day and the same can be said about funding the growth of your business. That s why we designed Privilege. It s a pre-approved top-up facility that s available to our Factoring or Invoice Discounting clients and serves up those extra funds when they re needed the most. As an ABN AMRO Commercial Finance client, a Privilege account can give you access to anything from 5k to 20k in addition to your Invoice Finance facility. The process takes around 48 hours to set up and becomes available for you to draw down at any time, helping you to seize those all-important business opportunities. Available to ABN AMRO Commercial Finance Factoring and Invoice Discounting clients Provides anything from 5k to 20k funding on top of your existing Invoice Finance facility Flexible finance, pre-approved and ready when you are Not dependent on other assets in the business, so is particularly useful for service companies Available within 48 hours What makes you eligible: You engage in either Factoring or Invoice Discounting with ABN AMRO Commercial Finance You have a clean credit history Privilege

34 Drop us a line Contact us on or for more information visit abnamrocommmercialfinance.co.uk Registered office: ABN AMRO Commercial Finance, Sheencroft House, Church Road, Haywards Heath RH16 3SN. Registered in England No

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