financing small business growth
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financing small business growth

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presentation given in February 2012 to cohort of small business owners as part of Manchester Metropolitan University's programme to support small business growth

presentation given in February 2012 to cohort of small business owners as part of Manchester Metropolitan University's programme to support small business growth

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  • 1. What’s on the menu?financing options for small and social enterprises
  • 2. Traditional sources of cash • Equity (dragons and• Personal savings angels)• Family and friends • Factoring• sweat equity • Retained profits• Debt (bank loans, overdraft) • Grants Adrian Ashton
  • 3. social enterprise “specials” CDFI Community shares Social impact bonds Loan stock In-kind crowd-funding Adrian Ashton
  • 4. Do you have the right type of income? Adrian Ashton
  • 5. Some problems with grants... Lead time Restrictions on use Cash-flow implications Admin time/cost in monitoring & reporting Risk of claw back Risk to credibility Adrian Ashton
  • 6. What do you need the cash for? Dealing with failure (rebooting the business) fashion/credibility Validation (reassuring yourself) Set-up Development Working capital Adrian Ashton
  • 7. Why you’re ‘un-fundable’ (you don’t give people what they want...)• Their money back (loans, equity)• Financial Return (loans, equity)• Social Return (grants, loans, equity)• Outputs & Outcomes (grants)• Security (loans)• Partners (grants, loans)• Exit Strategy (equity) Adrian Ashton
  • 8. Further sources info & reading• Unlocking the potential – a guide to finance Social Enterprise UK• http://www.ncvo-vol.org.uk/sfp• http://www.knowhownonprofit.org/funding/social-in• Simply Finance Co-operativesUK Adrian Ashton
  • 9. *GOOD MONEY WILL NOT MAKE A BAD ENTERPRISE GOOD Adrian Ashton