Borrow From People, not banks

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connecting private lenders with business borrowers

connecting private lenders with business borrowers

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  • 1. Connecting private lenders with business borrowers
  • 2. Online Network of Lenders
    • Businesses cannot get money
    • High net worth individuals don’t know where to put it
    • So…
  • 3. Borrow from people, not banks
    • Match with trading businesses
    • Companies can support their loans
    • You decide the interest rate
  • 4. The rules of lending… Criteria
  • 5. Identity
  • 6. Serviceability
  • 7. What the banks are (not) doing
  • 8. Hoarding Cash
    • £37 billion in handouts from the taxpayer
    • Repair balance sheet
    • minimum liquidity
  • 9. Suffering Sectors
  • 10. Suffering Services
  • 11. Other Options for Borrowing
  • 12. Grants
  • 13. Venture Capital
  • 14. Business Angels Deliver £800 million a year to small businesses
  • 15. Why do Angels Invest? Want to put something back… Tax breaks
  • 16. Private lenders v Investors
    • Startup failure rate
    • No need to be involved in the company
    • Income stream from day one
  • 17. Trading business Trading businesses… … that can support a loan
  • 18.
    • Working capital need
    • No need to give up equity
    • Superior rate for the lender
    • Keep at arm’s length
  • 19.
    • Licensed credit broker
    • Work with business angels
    • Carnage in the broking community
    • Opportunities for high net worth lenders
    Who are we?
  • 20. Benefits
  • 21. Top-up funding
    • … if the bank loan isn’t enough
  • 22. Down to Business
    • Qualify lenders
    • Qualify borrowers
    • Optimise proposals
    • Match lenders with borrowers
    • We want lenders to return
  • 23. Business Plan – 4Ms The market
  • 24. The Model
  • 25. The Management
  • 26. The Money “ conservative sales estimates”
  • 27.  
  • 28.  
  • 29. Borrow from people not banks William Flatau +44 7973 263234 [email_address] http:// firstfunding.org