How To Raise Finance With Enterprise Enfield
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1 Top Tips for Raising Finance With Liz Gjoni All material Enterprise Enfield
2 What do I Need? A realistic business plan that s concise and demonstrates your business idea makes sense and is financially viable A realistic financial forecast Evidence from market research that there is a need for your product or business To demonstrate ability to pay back the loan You need to be ready too... credibility and capability A good credit report no adverse history
3 Ten Point Check List for a Business Plan 1. What are main factors that influence success or failure of the business? 2. What are your long term goals and ambitions for the business/ personally? 3. How is the business organised? Who are the key people? 4. How are responsibilities shared? Who takes decisions? 5. What are the main assumptions behind the profit and cash flow projections?
4 Ten Point Check List for Business Plan 6. How have you arrived at your assessment of the amount of finance required? 7. What do you see as the main risk factors that could jeopardise the achievement of your plan? 8. What action would you take if trading (and cash) performance fell below the level you expected? 9. What are the main strengths and weaknesses of the business? 10. What are the opportunities and threats that you foresee for the future?
5 Check List for Financials Financial Structure detail your investment in the business Profit & Loss forecasts Cashflow forecasts Need to make a personal financial contribution relative to the funding you require banks won t give 100% funding
6 Types of Finance Overdraft Loans secured/unsecured Asset financing Factoring / Invoice discounting Equity investment Personal borrowing family/ friends Grant funding ( takes a long time to secure)
7 Appraisal Process Serviceability lenders will make a judgment on your ability to pay back the loan prior to making a decision. Banks will NOT Make assumptions Accept borrowers statements at face value Provide 100% Funding
8 Summary People get funded, not plans. Any lender will be looking at the ability and integrity of the business owner covering: Track record Any previous borrowing arrangements Worth Experience in running a business Experience of a particular trade Personal commitment Credit Worthiness
9 Understanding Finance for Business: Investing for Success Programme This scheme is part of the government s suite of publicly funded business support products and services designed to help businesses start, grow and succeed. The programme is part financed by the European Regional Development Fund (ERDF) and Enfield Council
10 The Programme: You are not necessarily going to know all the answers. Our Advisers can help you through the process of raising finance with FREE one to one support to: Review your business Explore your options Help you prepare the Business Plan or a relevant business proposal and introduce you to appropriate lenders. Give your further support after you have secured funding
11 Eligibility To be eligible for this programme you must: Be running a start-up or established business, based in London - must be trading or have registered the business Employ fewer than 250 people Not Started Yet? We can still give you advice under our normal daily business advice sessions - call to arrange an appointment
12 Boost Your Business! Enterprise Enfield s expert Advisers can help you with: Business Planning Raising Finance Boosting Sales and Marketing Managing Accounts Training wide range of FREE and subsidised seminars Specialist programmes to help you: export your products/ services reduce costs and environmental impact raise finance start a business in Enfield (6 month course for women)
13 Next Step If you have completed our registration form we will contact you to offer appropriate business support. Speak to a Business Adviser today at the Enterprise Enfield stand outside the seminar area. Tel:
14 Not Right for You? Additional help may be available to you. Call Business Link in London to find out the best support for your business on (18001 BT Typetalk), or visit
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