Retail Finance Enterprise Plan Income Streams

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1 Retail Finance Enterprise Plan Income Streams

2 This opportunity utilises the core business model that is offered through our home based proposition and elevates it to a scale that is more suited to persons who are those seeking an engaging full time business operation. Whilst the products remain the same, the challenges of developing a retail outlet in a defined and exclusive territory are greatly enhanced, as are the rewards. Are you seeking a life changing income? Then it s time to start capitalising on your efforts with an achievable income of up to 318,000 and a net profit of 167,000 in your first 2 years. Our flagship opportunity has been designed for those individuals who are serious about a long term commitment to a tangible and sustainable retail business opportunity with genuine growth potential through our exciting and developing brand. This franchise would be ideally suited to professionals persons who are excited about the prospect of being able to offer our unique spread of products and financial solutions that are supported by the most flexible lender in the UK, who approves up to 90% of finance applications regardless of an applicant s previous credit history. CLC Franchise is part of The Car Loan Centre group of companies. CLC Franchise Ltd has been incorporated specifically for the recruitment and management of a select group of entrepreneurs to help our business grow and build a substantial future for themselves. We are a fast growing non-conforming car and asset finance business in the UK and, having secured substantial funding lines, we are now ready to increase our presence in the marketplace. Our goal is to become THE nonconforming car and asset finance lender in the UK.

3 Our retail units will quickly establish you as a prominent local business that provides products and services that are in high demand and will benefit a high proportion of the local population. A retail unit increases consumer confidence in relation to The Car Loan Centre brand as they have the ability to transact their business face to face at a permanent location. You will provide potential customers with a local point of contact with whom they can personally interact and discuss their needs privately, confidently and professionally. Every retail outlet benefits from an eye-catching, contemporary façade with fully dressed windows detailing our products and services, along with details of vehicles from our extensive stock that are currently available for sale. The shop front has been specifically designed in this way to act as a 24 hour, 7 days a week advertising and marketing tool that gives people prospective customers the chance to find a vehicle or service that they require just by looking in the window. The choice is then theirs to either enquire inside, or to apply via your specific website if out of office hours. Copyright 2014 CLC Franchise

4 Car Sales Income Opportunity You have the benefit of 3 lucrative income streams. Your first is Car Finance where our expert knowledge and guidance will assist in the development of your own customer base through tested offline and online marketing techniques. Our in-house Marketing Team will set this up and manage this side of the business for you, helping you to establish your business as quickly as possible. Your role will be to either speak to the customer face to face or call the customer to obtain their personal and financial information, these details are entered onto our bespoke approval system and this software will provide you with an instant decision based upon either the clients monthly budget or the amount they have available to put down as a deposit. We approve customers even if they have CCJ s, Arrears, Defaults, are in an IVA or if they are a discharged bankrupt. All an applicant has to do is demonstrate that they can afford the repayments and in the vast majority of cases we can help, so you are able to give the applicant the good news immediately. Once you have established that we can help and you know what the customer can comfortably afford, you are able to choose a vehicle with them whilst they are with you or on the phone, and with over 200 vehicles in stock at any one time, it is easy to find a suitable vehicle for any potential customer. Once the vehicle is chosen simply collect the initial deposit by debit or credit card via our software and the vehicle is now held for the customer. All the customer has to do now is provide some documentation to verify their income and identity and then arrangements can be made with the customer to either collect their vehicle or have it delivered to one of over 60 locations throughout the UK. Copyright 2014 CLC Franchise

5 There are several advantages for a customer buying and financing a vehicle through CLC. High approval rate for finance 128 point mechanical check including replacement of any worn parts such as brakes, tyres etc. New 12 month MOT Standard vehicle service ( oil and filter change ) Minimum of 1 years comprehensive warranty Marketplace There are an estimated 21 million vehicles on the UK roads, of which some 25% are privately owned. Statistically 1 in 4 consumers have impaired credit, putting the potential market size at well in excess of 3 million. Currently this extensive demand is largely unsatisfied with little or no available credit for these borrowers. Many of these potential borrowers have relatively minor blemishes on the credit rating, often just a default or a small County Court Judgment relating for example to an unpaid mobile phone bill. In the past the security represented by the vehicle would be enough for main stream lenders to grant a facility, but now credit is often only available to non-conforming customers via friends and relatives or very high interest rates from non-mainstream lenders (these loans are usually capped to 1,000 with extremely high APRs). Our target is to become the leading lender in the UK non-conforming car credit marketplace. We have demonstrated that our business model thrives in a suppressed financial climate and will continue to expand despite any variance in UK market conditions. Based on our research, there are so many other sectors of the population who will be target customers for our funding. Taxi drivers are in particular a good example - even with excellent credit and a high income they can still find it difficult to obtain finance for vehicles just because they are self-employed. Copyright 2014 CLC Franchise

6 Log Book Loans Income Opportunity Another product you can offer is our unique Log Book Loan facility. Your role will be to help customers to obtain a loan against their existing vehicle with a logbook loan. As with standard logbook loans the customer will continue to have use of the vehicle. The loan terms and figures will be variable dependent on the length of the loan, typically twelve to thirty six months, and the advance amount. The customer has 3 main advantages in choosing CLC for this type of loan. We currently offer the lowest rates in the UK Loans can be arranged over longer periods making repayments more affordable and realistic Unlike traditional log book loans that are transacted on a Bill of Sale Agreement, which gives the customer no consumer rights, CLC Log Book Loans are transacted on a Hire Purchase Agreement, providing the consumer with a higher degree of protection under the Consumer Credit Act 1974 Marketplace On average 40,000 logbook loans will be taken out, in the UK, within the first 3 months of Based on 25% of 21 million vehicles being privately owned there is potential for in excess of 5,000,000 consumers with the ability to get a Logbook Loan. 1 in 4 consumers have impaired credit and therefore may not be able to get a loan from a high street lender. Through continued improvements in figures across the previous 3 years we predict that this marketplace will continue to grow. Copyright 2014 CLC Franchise

7 Personal Asset Loans Income Opportunity The third income stream comes from Personal Asset Loans giving you the ability to obtain finance for almost anyone provided that they can offer an item of value to secure the loan against. There are no income or credit checks for this type of lending so it is suitable for the credit impaired, unemployed, self-employed, retired, in receipt of benefits, or for anyone who needs to raise funds between 1,000 and 1,000,000 quickly, professionally and securely. The clients valuables are collected and delivered by professional couriers or transporters, items are fully insured end to end and stored in a high security facility until the loan is repaid. Personal Asset Loans provide individuals or businesses with short term financing solutions, they provide loans against items of value from fine wines, art and antiques to gold, jewellery and watches, loans can also be obtained against prestige or vintage cars, yachts and property. By utilising trusted valuers such as Sotheby s, Christie s, Bonham s and Phillips, every item will obtain the best market valuation possible, thus enabling a larger loan to be facilitated. Copyright 2014 CLC Franchise

8 Marketplace This rapidly expanding alternative to conventional sources of lending focuses on the millions of individuals in the UK who are asset rich and cash poor. This type of facility has some distinct advantages over other types of lending: No income checks No credit checks Very high acceptance rates Fast pay out (usually within 24 hours of receipt and valuation of goods) As a result of this unique and flexible form of lending, you can attract applicants from all walks of life but it is particularly welcome for people who are self-employed, looking to start new ventures, have low incomes or are bridging short term gaps in their finances. This is also a viable alternative for SME s to raise capital for their business requirements. In 2013 The Daily Express reported that some lenders in this field recorded over 270% rises in their lending, and the Daily Telegraph reports that across the board there is an average increase of 66% and this is not surprising as the banks continue for the foreseeable future to restrict lending to this demographic of applicant, and financial regulators impose stringent affordability rules on other types of loans. Copyright 2014 CLC Franchise

9 Our Software Our in-house team of programmers and software designers built our system from the ground up. We enable you to collect customer details on our bespoke system quickly and easily, you are able to collect documentation from applicants via and upload them directly to the system speeding up the process and improving customer satisfaction. Updates are available in real time as to where exactly in the process your client s application currently stands giving you the satisfaction of knowing the status of every piece of business that has been passed to us. This system provides you with full access to our extensive selection of cars that are currently in stock, giving you the ability to show your customers multiple pictures of every vehicle with full technical details, as well as the required deposit and payment information. Copyright 2014 CLC Franchise

10 Frequently Asked Questions What do I need? You will need to:- Be dedicated to the commitment of owning a retail unit Have good communication and people skills Have the drive to own and operate a successful business Have a basic level of computer literacy The initial investment and sufficient working capital to maximise the full potential of this opportunity Will I have any on-going costs? Yes of course, as with any retail opportunity there will be some costs involved in the successful operation of the Franchise. These costs have been estimated on page 12 to give you a general idea of what is usually required. Please remember that you are in complete control of these costs, and nothing is payable to The Car Loan Centre, so you are able to negotiate your own deals and manage your own cashflow. I don t know how to set up a shop? Don t worry, we are on hand to give you all the guidance you need. You are free to select the location and the premises and we advise that you source your own tradespersons to undertake the shop fitting. We can organise the outfitting of the shop if required, but it is usually more cost effective for you to arrange this locally. We will advise you on colour palettes, branding and signage, so you don t have to worry about the overall design aspect. We recommend that you allow a budget of between 3,000 and 6,000 for the total outfitting, desks, chairs and computers depending on the size and condition of the premises. Copyright 2014 CLC Franchise

11 I don t know anything about marketing.can you help? Absolutely, our in-house Marketing Team will help you set up this side of the business. Our extensive experience in this area will quickly develop your very own customer base and local brand awareness and this is achieved through tried and tested online and offline marketing techniques. We provide you with your own fully optimised and responsive lay out (mobile phone friendly) website and will assist you in the launch of your shop with local press releases, hand-outs, goody bags and promotional materials. How do I get started? We are very serious about your interest in our proposition, so one of our team will contact you shortly but if you would prefer to get in touch with us, call us on or Copyright 2014 CLC Franchise

12 Financial Information Months 1-6 (Y1) Franchise 85% 12,995 + VAT Fit out costs From 3,000-6,000 Description Month 1 Month 2 Month 3 Month 4 Month 5 Month 6 Car Sales (Units Financed) Average Deposit 600 x 85% Total Vehicle Income (a) 3,060 5,100 6,120 8,160 9,180 9,180 Asset Finance ( 8,000 average) Average commission 400 x 85% Total Asset Income (b) Log Book Loan (Unit Financed) Average commission 250 x 100% Total Logbook Income (C) Total Franchisee Income (a+b+c) 4,400 6,940 8,960 11,500 13,770 14,020 Retail Running Costs 8000 P/A Rates Services (ELC,Water,etc) Insurance (Shop,etc) Sundaries (stationery) Broadband + VOIP (2 Lines) Marketing* (suggestive only) Fixed Costs 1,737 1,737 1,737 1,737 1,737 1,737 Suggestive Costs Total Costs 4,237 4,237 4,237 4,237 4,237 4,237 Total Franchise Net Profit 163 2,703 4,723 7,263 9,533 9,783 Cumulative Net Profit 2,867 7,590 14,853 24,387 34,170 *The Marketing budget is a suggested amount in order to achieve the prescribed buisness levels for the package and is not a required monthly payment to CLC. Copyright 2014 CLC Franchise

13 Financial Information Months 7-12 (Y1) Description Month 7 Month 8 Month 9 Month 10 Month 11 Month 12 Car Sales (Units Financed) Average Deposit 600 x 85% Total Vehicle Income (a) 9,180 9,180 9,180 9,180 9,180 5,100 Asset Finance ( 8,000 average) Average commission 400 x 85% Total Asset Income (b) Log Book Loan (Unit Financed) Average commission 250 x 100% Total Logbook Income (C) Total Franchisee Income (a+b+c) 14,020 14,020 14,020 14,020 14,020 9,940 Retail Running Costs 8000 P/A Rates Services (ELC,Water,etc) Insurance (Shop,etc) Sundaries (stationery) Broadband + VOIP (2 Lines) Marketing* (suggestive only) Fixed Costs 1,737 1,737 1,737 1,737 1,737 1,737 Suggestive Costs Total Costs 4,237 4,237 4,237 4,237 4,237 4,237 Total Franchise Net Profit 9,783 9,783 9,783 9,783 9,783 5,703 Cumulative Net Profit 43,953 53,737 63,520 73,303 83,087 88,790 *The Marketing budget is a suggested amount in order to achieve the prescribed buisness levels for the package and is not a required monthly payment to CLC. Copyright 2014 CLC Franchise

14 Financial Information Months (Y2) Description Month 13 Month 14 Month 15 Month 16 Month 17 Month 18 Car Sales (Units Financed) Average Deposit 600 x 85% Total Vehicle Income (a) 12,240 13,260 13,260 13,260 13,260 13,260 Asset Finance ( 8,000 average) Average commission 400 x 85% Total Asset Income (b) Log Book Loan (Unit Financed) Average commission 250 x 100% Total Logbook Income (C) Total Franchisee Income (a+b+c) 17,920 18,940 18,940 18,940 18,940 18,940 Retail Running Costs 8000 P/A Rates Services (ELC,Water,etc) Insurance (Shop,etc) Sundaries (stationery) Broadband + VOIP (2 Lines) Marketing* (suggestive only) Fixed Costs 1,737 1,737 1,737 1,737 1,737 1,737 Suggestive Costs Total Costs 4,237 4,237 4,237 4,237 4,237 4,237 Total Franchise Net Profit 13,683 14,703 14,703 14,703 14,703 14,703 Cumulative Net Profit 102, , , , , ,990 *The Marketing budget is a suggested amount in order to achieve the prescribed buisness levels for the package and is not a required monthly payment to CLC. Copyright 2014 CLC Franchise

15 Financial Information Months (Y2) Description Month 19 Month 20 Month 21 Month 22 Month 23 Month 24 Car Sales (Units Financed) Average Deposit 600 x 85% Total Vehicle Income (a) 13,260 13,260 13,260 13,260 13,260 7,140 Asset Finance ( 8,000 average) Average commission 400 x 85% Total Asset Income (b) Log Book Loan (Unit Financed) Average commission 250 x 100% Total Logbook Income (C) Total Franchisee Income (a+b+c) 18,940 18,940 18,940 18,940 18,940 12,820 Retail Running Costs 8000 P/A Rates Services (ELC,Water,etc) Insurance (Shop,etc) Sundaries (stationery) Broadband + VOIP (2 Lines) Marketing* (suggestive only) Fixed Costs 1,737 1,737 1,737 1,737 1,737 1,737 Suggestive Costs Total Costs 4,237 4,237 4,237 4,237 4,237 4,237 Total Franchise Net Profit 14,703 14,703 14,703 14,703 14,703 8,583 Cumulative Net Profit 190, , , , , ,090 *The Marketing budget is a suggested amount in order to achieve the prescribed buisness levels for the package and is not a required monthly payment to CLC. Copyright 2014 CLC Franchise

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