The document discusses SAP Financing, a service by SAP and BNP Paribas that provides financing for SAP solutions. It allows small and mid-sized businesses to access SAP software and services without large upfront costs. SAP Financing covers all software, hardware, services, and maintenance associated with a new SAP implementation. It also discusses benefits like preserving cash flow and controlling costs over the lifetime of the project. Frontline Consultancy is introduced as an accredited SAP partner that can help businesses implement SAP solutions and manage hosted SAP Business One systems.

1. SAP Business One
Rapidly improve your return on investment
Financing

2. SAP Financing
Small and midsized business owners and managers recognise the importance of implementing
business management solutions to optimise their operational efficiencies. However as capital
becomes scarce and financial institutions tighten credit, SME’s face stalled or cancelled IT projects
even though they may remain crucial to their business needs.
SAP have teamed up with BNP Paribas to offer a real solution to this common problem. Frontline
are pleased to introduce SAP Financing.
The SAP Financing service helps solve this issue by eliminating two major concerns for IT
investment– cash flow and access to capital. The SAP Financing service helps you overcome the
credit crunch without interrupting your cash flow.
Unlike most financing services, SAP Financing can include all software, hardware, maintenance,
and service costs associated with a new SAP solution.
The SAP Financing service is all inclusive, covering SAP
and non-SAP software, services, maintenance, hardware
costs, and even internal expenses associated with the
project, allowing you to more easily control cost.
SAP Financing allows you to begin implementing SAP
solutions for your business now.
Who are BNP Paribas?
SAP have teamed up with BNP Paribas Leasing Solutions to offer financing packages for UK SME’s
looking to undertake a SAP project.
BNP Paribas Leasing Solutions is a European leader in business technology finance and one of the
best rated banks in the world (Rated AA– by Standard & Poor’s)
BNP Paribas have one of the largest international networks with operations in more than 80
countries and over 200,000 employees.
BNP Paribas has had a presence in the UK for over 130 years and London is the banks second
global headquarters.
The bank for a changing world

3. Benefits to You
You can access the technology that your business needs now, without making a significant initial
capital outlay.
SAP Financing makes cost of ownership transparent and predictable over the life of the project.
With SAP Financing you can:
 Keep bank credit lines intact
 Easily match payments to business benefits
 Control costs and budgets with a predictable payment plan
 Effectively manage the IT lifecycle
 Take advantage of potential tax benefits
 Enjoy greater financial flexibility by tailoring payments to meet your cash flow requirements
 Preserve your own working capital for operational and strategic needs
 Improve return on investment on your SAP project
Who uses Finance
The vast majority of profit and non-profit organisations in the UK use lease finance to invest in
their business infrastructure. Commonly financed assets include the company car fleet,
photocopiers, office furniture, and telecommunications equipment.
Financing is becoming an increasingly popular technology procurement tool, partly driven by the
on-demand and subscription payment model promoted by leading technology vendors.
In a recent study, businesses listed the following reasons why they chose lease finance to manage
their technology estate:
 97% of survey participants cited protection against technology obsolescence
 76% of survey participants said leasing freed up capital for other uses
 75% of survey participants used leasing because of the discipline it imposes on equipment
replacement
 73% of survey participants said leasing enabled proper equipment disposal
 73% of survey participants cited the opportunity to better balance project costs with
benefits

4. Common Objections to Finance…
“We are cash rich and therefore do not need to finance”
Although you may have available funds as a business, if you spread the cost of your IT solution,
your cash can be re-used elsewhere within the organisation to further support your businesses
strategy.
Generally we find businesses use a variety of financing tools such as loans, leases, mortgages or
venture capital. Industry research shows that lease financing for technology investment lowers
the Total Cost of Ownership and helps with better management of your IT estate.
“I don’t want to pay the interest charges associated with financing”
There is an opportunity cost with the alternative. Use cash and you are essentially taking a chunk
of your most precious commodity out of your business on day one.
By spreading the cost of the technology investment, you are paying for it over time and realising
a quicker return on investment.
“I don’t own the solution”
That is true, however you do retain full economic ownership and full unrestricted access to the
solution .
With finance, you get access to the exact solution your business needs now paid for on a ‘Pay As
You Use’ basis.
“It looks too expensive, I can get better rates from my bank or I’ll stick with a
cash purchase”
The SAP Finance option is not really comparable to a standard bank loan facility. For a start, the
rates are fixed for the term of the finance agreement giving you a known, predictable payment
stream. In addition, banks tend to avoid offering finance for software and implementation costs as
they cannot be secured. The SAP Finance offering covers your complete solution and is structured
to suit your specific requirements.
Bank loans are fairly inflexible whereas with SAP Finance, you have the option to upgrade or
refresh your technology as your business needs evolve.

5. ...continued
“I’m just not comfortable with signing a finance agreement as it’s not
something we have used before”
Research shows most UK businesses and organisations of all sizes use lease finance. From sole
traders, partnerships to government bodies and blue chip companies, all have some exposure to
financing.
“I do not want to be tied in to a multi-year finance agreement”
A finance term is there to help you manage your budget and do more with your cash. If you pay
upfront in cash, it will take you some time to realise a return on your investment. However with
finance, you get to match benefit to payments from month one.
“I want to keep all finance arrangements with my bank”
Bank finance and support should be called upon for strategic purposes. Whilst your bank may be
happy to lend you money to invest in technology, you do increase your exposure unnecessarily.
Short term bank credit should be preserved especially in a challenging economic climate.
You should also consider the fees and conditions, for example down payments which are often
imposed with bank loans.
Third party specialist asset finance companies such as BNP Paribas Leasing Solutions have
invested heavily in developing flexible finance products that readily accommodate changes to your
technology stack and facilitate the build of your IT roadmap.

6. About Frontline….
Frontline Consultancy has the depth of knowledge We cover everything including:
and breadth of skills to deliver a complete and
highly successful implementation of SAP Business  Hardware
One.
 Networking and remote / multi-site use
 Fully accredited SAP Business One Gold  Software implementation and training
Partner.
 Business change
 Established in 1991, we have decades of
experience in implementing software  Support, upgrades and software changes
solutions across multiple sectors.
 System integration (e.g. EDI & bank
 We understand your challenges and reconciliation)
processes.
 Hosting
 In-depth knowledge of the key issues in
today's marketplace.
As an accredited Gold Partner for SAP Business
 Extensive project management experience One, Frontline Consultancy have proven expertise
backed up by a proven implementation in all aspects of the software and we have met
methodology. stringent SAP requirements for training,
certification and business standards and
 Successful track record of implementations practices.
through our breadth of skills.
Our aim is to implement the solution best suiting
 Excellent training available at the your needs and deliver exceptional service at a
customer's site or at our offices. competitive rate.
 Full, responsive support capabilities - from
using the software in a business context
through to maintaining the infrastructure it
sits on.
Frontline Consultancy can offer SAP Business
 A complete service - ensuring low total cost One as a fully managed hosted solution.
of ownership and providing a single point of
contact. This means that you can focus on your business
while Frontline Consultancy manages the
delivery of SAP Business One to your desktop
and mobile devices 24/7, 365 days each year.
Frontline Consultancy,
Frontline House,
Epsom Avenue, Brooke Park Estate,
Wilmslow,
Cheshire
Tel: 0161 486 4400 Fax: 0870 606 7300
info@frontline-consultancy.co.uk
www.frontline-consultancy.com