This newsletter article discusses an investment by Camstent, a medical device technology company based in Cambridge. Camstent raised £350,000 in financing, with six members of the Yorkshire Association of Business Angels (YABA) accounting for one-third of the investment. The funding will allow Camstent to further develop its patented polymer coating technology, which prevents bacterial growth on medical implants. One of the YABA investors commented that he was impressed by Camstent's technology and business plan. Camstent will use the funds over the next year to optimize its coating technology and prepare for regulatory approval and partnering.
This document brings together a set of latest data points and publicly available information relevant for Financial Services Industry. We are very excited to share this content and believe that readers will benefit from this periodic publication immensely.
The document discusses entrepreneurship and its importance to job creation. It presents data showing that between 2000-2010, new firms in the United States created 33 million net new jobs, while established firms lost 25 million jobs, resulting in a net job creation of 8 million from all firms. The document also outlines several factors that contribute to a country's entrepreneurial competitiveness, including specialized human assets, innovation, and entrepreneurship. Additionally, it discusses how policies can be measured based on their ability to support high-impact entrepreneurs.
Discover the 9 signs of misalignment in your organisation. If you have got any one of them, contact Morphos for a complimentary consultancy session. Resolve these issues and see your business take flight!
The document provides information about ResusPod, a medical emergency kit startup company.
1) ResusPod was founded in 2008 at the University of Leeds by Kate Taylor and Julie Burke. They received early funding from the Sir Peter Thompson Award for Enterprise.
2) In 2010, Kate and Julie received Proof of Commercial Concept Funding from Yorkshire Concept, which helped accelerate ResusPod's development. They also took on a business manager.
3) Business angels Paul Smith and Tim Ward recently invested in ResusPod, enabling the company to fully launch their medical emergency kit to the dental market. This investment has helped move the company forward.
The document discusses soil composition, properties, and fertilizers. It explains that soil is composed primarily of minerals, air, water, and organic matter. Good soil provides nutrients, oxygen, and water for healthy plant growth. Soil texture, drainage, and compaction can affect these properties. The document recommends adding organic matter to improve soil structure and amending issues related to texture or drainage. It also covers fertilizer sources, soil testing, and issues like pH, salinity, and their solutions.
The document provides information about recent enhancements to the Enterprise Investment Scheme (EIS) and the new Seed Enterprise Investment Scheme (SEIS) and the associated tax benefits for business investors.
The key points are:
1) The EIS income tax relief rate has increased from 20% to 30% and the maximum investment amount per tax year has risen from £500,000 to £1 million.
2) The new SEIS provides income tax relief of 50% on investments up to £100,000 in very early stage companies.
3) Qualifying investments under both schemes provide capital gains tax exemptions and deferrals, making the overall tax relief potentially as high as 78% under SE
Este documento contiene los horarios del segundo semestre del año 2013 para diferentes programas de estudios de un instituto superior de educación pública en Cajamarca, Perú. Los horarios incluyen asignaturas como Psicología, Matemática, TIC, Ciencias Sociales, Práctica y Optativas para las carreras de Educación Inicial, Educación Física, Idiomas Inglés, entre otros. Los horarios también detallan los profesores a cargo de cada asignatura.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
This document brings together a set of latest data points and publicly available information relevant for Financial Services Industry. We are very excited to share this content and believe that readers will benefit from this periodic publication immensely.
The document discusses entrepreneurship and its importance to job creation. It presents data showing that between 2000-2010, new firms in the United States created 33 million net new jobs, while established firms lost 25 million jobs, resulting in a net job creation of 8 million from all firms. The document also outlines several factors that contribute to a country's entrepreneurial competitiveness, including specialized human assets, innovation, and entrepreneurship. Additionally, it discusses how policies can be measured based on their ability to support high-impact entrepreneurs.
Discover the 9 signs of misalignment in your organisation. If you have got any one of them, contact Morphos for a complimentary consultancy session. Resolve these issues and see your business take flight!
The document provides information about ResusPod, a medical emergency kit startup company.
1) ResusPod was founded in 2008 at the University of Leeds by Kate Taylor and Julie Burke. They received early funding from the Sir Peter Thompson Award for Enterprise.
2) In 2010, Kate and Julie received Proof of Commercial Concept Funding from Yorkshire Concept, which helped accelerate ResusPod's development. They also took on a business manager.
3) Business angels Paul Smith and Tim Ward recently invested in ResusPod, enabling the company to fully launch their medical emergency kit to the dental market. This investment has helped move the company forward.
The document discusses soil composition, properties, and fertilizers. It explains that soil is composed primarily of minerals, air, water, and organic matter. Good soil provides nutrients, oxygen, and water for healthy plant growth. Soil texture, drainage, and compaction can affect these properties. The document recommends adding organic matter to improve soil structure and amending issues related to texture or drainage. It also covers fertilizer sources, soil testing, and issues like pH, salinity, and their solutions.
The document provides information about recent enhancements to the Enterprise Investment Scheme (EIS) and the new Seed Enterprise Investment Scheme (SEIS) and the associated tax benefits for business investors.
The key points are:
1) The EIS income tax relief rate has increased from 20% to 30% and the maximum investment amount per tax year has risen from £500,000 to £1 million.
2) The new SEIS provides income tax relief of 50% on investments up to £100,000 in very early stage companies.
3) Qualifying investments under both schemes provide capital gains tax exemptions and deferrals, making the overall tax relief potentially as high as 78% under SE
Este documento contiene los horarios del segundo semestre del año 2013 para diferentes programas de estudios de un instituto superior de educación pública en Cajamarca, Perú. Los horarios incluyen asignaturas como Psicología, Matemática, TIC, Ciencias Sociales, Práctica y Optativas para las carreras de Educación Inicial, Educación Física, Idiomas Inglés, entre otros. Los horarios también detallan los profesores a cargo de cada asignatura.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise boosts blood flow, releases endorphins, and promotes changes in the brain which help regulate emotions and stress levels.
El Arcano XIII representa la trasmutación y la fuerza de superación. El ángel de Metatrón simboliza estos conceptos de cambio y mejora continua en el Tarot de Geometría Sagrada.
What an information architect could learn from PlatoWouter Walgraeve
This document discusses how an information architect (IA) can learn from Plato's theory of forms and object-oriented thinking. It explains that Plato viewed objects as having different layers - material, structure, and view. This maps to how IAs and developers think about objects in terms of data, logic, and interfaces. The document argues that taxonomy is key to defining objects and their relationships, and that this ability to categorize objects is fundamental to information architecture. It concludes by stating that understanding Plato's approach to defining and filtering objects is important for IAs.
JetBlue Airways has differentiated itself from competitors by providing extra amenities like satellite TV and radio on every seat. However, operational issues from unsustainable growth, high fuel prices, and fleet costs led to losses in 2006. While demand for air travel is growing internationally as more countries see rising economies, JetBlue faces threats from fluctuating demand, increasing fuel costs, customer complaints, and strong competition from other major airlines.
This document provides guidance on designing annual flower beds, including calculating plant needs based on bed size, choosing plants that suit the location's sunlight and moisture levels, and incorporating organic matter into beds. It recommends using a skeleton-tendon-flesh approach, with tall focal plants as the skeleton, complementary plants as the tendon, and low filler plants as the flesh. Specific plant varieties are suggested for the different parts of the bed and for shade gardens. Maintenance tips like weeding, fertilizing, deadheading, and water conservation methods are also outlined.
About the mental model of timelines. How to apply the mental model of time and timelines when designing interfaces.
Presentation for the World Information Architecture Day 2012, Ghent, Belgium.
Wouter Walgraeve from NASCOM gave a presentation on mental models. He explained that mental models are personal representations of reality that allow people to navigate life, though they may not accurately reflect what is true. Mental models evolve over time based on experiences. Walgraeve discussed how mental models influence one's understanding of concepts like windmills and maps. He also explored how mental models impact work and can be improved through learning.
The document discusses user-centered design (UCD) and user experience (UX). It defines UCD as an approach that grounds the design process in information about the intended users. UCD focuses on users throughout planning, design, and development. The document also discusses how UX relates to usability and emphasizes the importance of testing designs with users.
The chapter discusses exercise metabolism and several key concepts:
1. During rest, ATP is produced aerobically, while during exercise transitions ATP is initially produced anaerobically through the phosphocreatine and glycolysis pathways due to a lag in oxygen uptake.
2. The lactate threshold occurs when blood lactate levels rise systematically during incremental exercise, around 50-60% of VO2 max in untrained individuals, and is likely due to low muscle oxygen levels and accelerated glycolysis.
3. Fuel selection during exercise is dependent on intensity and duration, with low intensity exercise relying more on fat oxidation and high intensity relying more on carbohydrates due to faster fiber recruitment and increased epinephrine levels.
Avec cette présentation, l'agence Internet WEBQAM vous dévoile les meilleures pratiques pour créer des jeux concours tout en respectant les règles de la plateforme Facebook ainsi que la réglementation française en vigueur.
Inscrivez-vous dès aujourd'hui sur www.bewily.com pour recevoir avant tout le monde une invitation lors du lancement de la plateforme de créations d'applications et de jeux concours Bewily.com.
Une fois la plateforme Saas Bewily accessible au public, vous pourrez alors créer des applications emarketing (Jeux concours, Quiz, Concours avec votes, Blind test musical, Concours photo, Mini site internet, Encart publicitaire) et les intégrer en tant qu'onglet sur votre page Facebook.
Intégrez également vos créations en tant que widget sur votre site internet.
Avec Bewily, faites grandir votre communauté et offrez une expérience utilisateur unique et enrichie.
Collectez-les statistiques de participation, visualisez-les en ligne et enrichissez votre fichier client pour des actions marketing ciblées et efficaces.
Rendez-vous sur Bewily.com pour vous inscrire.
Vous êtes une agence ? Vous êtes développeur Freelance ? Vous créez des applications emarketing et des jeux concours pour vos clients ? Découvrez la plateforme d'éditions d'applications Bewily et contactez l'agence Internet WEBQAM pour obtenir un accès privilégié au service.
Optimisez vos sites pour la recherche sur smartphone, tablettes et objets con...Philippe YONNET
Présentation effectuée lors du salon ecommerce 2015.
Les usages de l'internet évoluent rapidement, la recherche d'informations sur les moteurs s'effectue de moins en moins sur un ordinateur de bureau, mais de plus en plus sur smartphone, tablette, ou même sur les objets connectés. Les usages sont aussi devenus "multiecrans". Quel impact cela a-t'il sur les techniques de référencement dans les moteurs de recherche ? Que faut-il faire pour être bien référencé sur mobile ?
Meilleures pratiques pour optimiser la performance sur les Reseaux Sociaux en...RevSquare
1. Stratégie médias sociaux et objectifs d'affaires
2. Personas + choix des plateformes
3. Stratégie d'acquisition de fans
4. Funnel de conversion + impact UI/UX
5. Stratégie de contenu et calendrier éditorial
6. Production & publication du contenu
7. Gestion de l'audience
8. Promotion de vos réseaux sociaux
9. Mesure de la performance
Large corporations are increasingly collaborating with startups in order to foster innovation. Coca-Cola, GE, and other large companies have programs to work with startups and learn from their nimble approaches. The document discusses how Wisembly, a French startup, benefited from partnering with L'Oreal, gaining its first client and growing into a business working with 400 large corporations. Both startups and large companies have strengths to offer - startups take risks and think outside the box, while corporations have resources, market knowledge, and experience to help startups succeed. The document provides examples of how Facebook collaborated with Blue Jeans to enable global video meetings, and how the UK government used Trello's flexible tools to gather
The Global Entrepreneur Programme (GEP) helps accelerate overseas-based technology entrepreneurs to global success from a UK hub. The GEP uses a team of internationally successful entrepreneurs as "Dealmakers" to provide strategic business mentoring, leverage their networks, and help companies access funding, talent, and expertise. Over 200 entrepreneurs and 150 companies have participated in the program since 2009, with over $200 million raised in funding. The GEP focuses on sectors like software, digital media, clean technology, and more.
The document discusses how business leaders can embrace disruption from COVID-19 to overcome it. It argues that now is the time for boldness and innovative thinking, not just retrenchment. Business should pivot and diversify offerings, capitalizing on shifting trends like remote working. Emerging opportunities include tapping new talent pools no longer limited by geography, and focusing on local markets and supply chains. Fortune favors the bold leaders who can adapt quickly to meet evolving customer needs during this time of rapid change.
Founders Factory is an accelerator and incubator based in London that was founded in 2015. It aims to build technology companies through two main programs - an accelerator that supports existing startups, and an incubator that develops new companies from scratch with Founders Factory and its corporate investors. It has a team of over 60 specialists and has worked with over 60 startups and created 12 startups through its incubator program. It is backed by six major corporate investors in sectors like media, travel, fintech, beauty, education technology and AI. The organization provides funding, services, expertise and access to corporate partnerships to help technology companies scale rapidly.
El Arcano XIII representa la trasmutación y la fuerza de superación. El ángel de Metatrón simboliza estos conceptos de cambio y mejora continua en el Tarot de Geometría Sagrada.
What an information architect could learn from PlatoWouter Walgraeve
This document discusses how an information architect (IA) can learn from Plato's theory of forms and object-oriented thinking. It explains that Plato viewed objects as having different layers - material, structure, and view. This maps to how IAs and developers think about objects in terms of data, logic, and interfaces. The document argues that taxonomy is key to defining objects and their relationships, and that this ability to categorize objects is fundamental to information architecture. It concludes by stating that understanding Plato's approach to defining and filtering objects is important for IAs.
JetBlue Airways has differentiated itself from competitors by providing extra amenities like satellite TV and radio on every seat. However, operational issues from unsustainable growth, high fuel prices, and fleet costs led to losses in 2006. While demand for air travel is growing internationally as more countries see rising economies, JetBlue faces threats from fluctuating demand, increasing fuel costs, customer complaints, and strong competition from other major airlines.
This document provides guidance on designing annual flower beds, including calculating plant needs based on bed size, choosing plants that suit the location's sunlight and moisture levels, and incorporating organic matter into beds. It recommends using a skeleton-tendon-flesh approach, with tall focal plants as the skeleton, complementary plants as the tendon, and low filler plants as the flesh. Specific plant varieties are suggested for the different parts of the bed and for shade gardens. Maintenance tips like weeding, fertilizing, deadheading, and water conservation methods are also outlined.
About the mental model of timelines. How to apply the mental model of time and timelines when designing interfaces.
Presentation for the World Information Architecture Day 2012, Ghent, Belgium.
Wouter Walgraeve from NASCOM gave a presentation on mental models. He explained that mental models are personal representations of reality that allow people to navigate life, though they may not accurately reflect what is true. Mental models evolve over time based on experiences. Walgraeve discussed how mental models influence one's understanding of concepts like windmills and maps. He also explored how mental models impact work and can be improved through learning.
The document discusses user-centered design (UCD) and user experience (UX). It defines UCD as an approach that grounds the design process in information about the intended users. UCD focuses on users throughout planning, design, and development. The document also discusses how UX relates to usability and emphasizes the importance of testing designs with users.
The chapter discusses exercise metabolism and several key concepts:
1. During rest, ATP is produced aerobically, while during exercise transitions ATP is initially produced anaerobically through the phosphocreatine and glycolysis pathways due to a lag in oxygen uptake.
2. The lactate threshold occurs when blood lactate levels rise systematically during incremental exercise, around 50-60% of VO2 max in untrained individuals, and is likely due to low muscle oxygen levels and accelerated glycolysis.
3. Fuel selection during exercise is dependent on intensity and duration, with low intensity exercise relying more on fat oxidation and high intensity relying more on carbohydrates due to faster fiber recruitment and increased epinephrine levels.
Avec cette présentation, l'agence Internet WEBQAM vous dévoile les meilleures pratiques pour créer des jeux concours tout en respectant les règles de la plateforme Facebook ainsi que la réglementation française en vigueur.
Inscrivez-vous dès aujourd'hui sur www.bewily.com pour recevoir avant tout le monde une invitation lors du lancement de la plateforme de créations d'applications et de jeux concours Bewily.com.
Une fois la plateforme Saas Bewily accessible au public, vous pourrez alors créer des applications emarketing (Jeux concours, Quiz, Concours avec votes, Blind test musical, Concours photo, Mini site internet, Encart publicitaire) et les intégrer en tant qu'onglet sur votre page Facebook.
Intégrez également vos créations en tant que widget sur votre site internet.
Avec Bewily, faites grandir votre communauté et offrez une expérience utilisateur unique et enrichie.
Collectez-les statistiques de participation, visualisez-les en ligne et enrichissez votre fichier client pour des actions marketing ciblées et efficaces.
Rendez-vous sur Bewily.com pour vous inscrire.
Vous êtes une agence ? Vous êtes développeur Freelance ? Vous créez des applications emarketing et des jeux concours pour vos clients ? Découvrez la plateforme d'éditions d'applications Bewily et contactez l'agence Internet WEBQAM pour obtenir un accès privilégié au service.
Optimisez vos sites pour la recherche sur smartphone, tablettes et objets con...Philippe YONNET
Présentation effectuée lors du salon ecommerce 2015.
Les usages de l'internet évoluent rapidement, la recherche d'informations sur les moteurs s'effectue de moins en moins sur un ordinateur de bureau, mais de plus en plus sur smartphone, tablette, ou même sur les objets connectés. Les usages sont aussi devenus "multiecrans". Quel impact cela a-t'il sur les techniques de référencement dans les moteurs de recherche ? Que faut-il faire pour être bien référencé sur mobile ?
Meilleures pratiques pour optimiser la performance sur les Reseaux Sociaux en...RevSquare
1. Stratégie médias sociaux et objectifs d'affaires
2. Personas + choix des plateformes
3. Stratégie d'acquisition de fans
4. Funnel de conversion + impact UI/UX
5. Stratégie de contenu et calendrier éditorial
6. Production & publication du contenu
7. Gestion de l'audience
8. Promotion de vos réseaux sociaux
9. Mesure de la performance
Large corporations are increasingly collaborating with startups in order to foster innovation. Coca-Cola, GE, and other large companies have programs to work with startups and learn from their nimble approaches. The document discusses how Wisembly, a French startup, benefited from partnering with L'Oreal, gaining its first client and growing into a business working with 400 large corporations. Both startups and large companies have strengths to offer - startups take risks and think outside the box, while corporations have resources, market knowledge, and experience to help startups succeed. The document provides examples of how Facebook collaborated with Blue Jeans to enable global video meetings, and how the UK government used Trello's flexible tools to gather
The Global Entrepreneur Programme (GEP) helps accelerate overseas-based technology entrepreneurs to global success from a UK hub. The GEP uses a team of internationally successful entrepreneurs as "Dealmakers" to provide strategic business mentoring, leverage their networks, and help companies access funding, talent, and expertise. Over 200 entrepreneurs and 150 companies have participated in the program since 2009, with over $200 million raised in funding. The GEP focuses on sectors like software, digital media, clean technology, and more.
The document discusses how business leaders can embrace disruption from COVID-19 to overcome it. It argues that now is the time for boldness and innovative thinking, not just retrenchment. Business should pivot and diversify offerings, capitalizing on shifting trends like remote working. Emerging opportunities include tapping new talent pools no longer limited by geography, and focusing on local markets and supply chains. Fortune favors the bold leaders who can adapt quickly to meet evolving customer needs during this time of rapid change.
Founders Factory is an accelerator and incubator based in London that was founded in 2015. It aims to build technology companies through two main programs - an accelerator that supports existing startups, and an incubator that develops new companies from scratch with Founders Factory and its corporate investors. It has a team of over 60 specialists and has worked with over 60 startups and created 12 startups through its incubator program. It is backed by six major corporate investors in sectors like media, travel, fintech, beauty, education technology and AI. The organization provides funding, services, expertise and access to corporate partnerships to help technology companies scale rapidly.
LowRes_The_Next_Million_Oct2015_Final_ MagazineRob Green
This document is an issue of The Next Million magazine. The cover story profiles Shopify Chief Platform Officer Harley Finkelstein and how he is using cloud technology to help businesses. Other articles discuss Hootsuite and how it became the leading social media management tool, tips for expanding a business internationally, and an overview of cloud computing options for businesses of various sizes. The document also includes advertisements from companies like Jumbleberry, Ironbridge Equity, and Camera Connection.
Swapnil Agarwal is the CEO of Nitya Capital and Karya Property Management, a real estate investment firm he founded in 2013 that owns and manages $2 billion in real estate assets across the US. As an immigrant from India, Agarwal overcame obstacles to graduate from university and build a successful career. He believes the key qualities of a successful entrepreneur are taking risks, having a never-give-up attitude, and a bigger purpose beyond just profits. Agarwal admires business leaders like Elon Musk and Jack Ma for their passion, risk-taking, and thinking far into the future. He emphasizes integrity, excellence and protecting employees as important leadership values.
The document provides an overview of Catcha Digital Berhad, a digital group in Southeast Asia backed by Catcha Group. Catcha Group is an experienced investor and builder of public companies with a track record of identifying categories for consolidation and bringing together entrepreneurs. Catcha Digital aims to build, grow, and scale leading digital companies in Southeast Asia, following Catcha Group's playbook of taking companies from startup to IPO. Its portfolio includes iMedia, a leading digital media group that has experienced significant growth since its 2020 launch through both organic and inorganic means. Catcha Digital looks to continue expanding iMedia and acquiring other entrepreneur-led digital businesses to strengthen its product offerings and replicate Catcha Group's success in regional expansion.
AtmanCo Inc is on the fast track to become a Canadian leader in interactive solutions. Montreal-based AtmanCo has embarked on ambitious internal and acquisition growth strategy for the years to come.
This document provides a guide for corporate executives on successful collaborations between corporations and startups. It discusses why corporations should engage with startups despite seeing them as threats, as partnerships can create value for both parties. It presents a three-step approach for corporations to define objectives and select suitable startup engagement programs. Case studies illustrate transformative benefits like rejuvenating culture, innovating brands, and solving business problems. The guide concludes with lessons for designing, measuring, and implementing effective startup programs.
The document is a newsletter from yolk recruitment covering various topics:
1) It discusses whether competition in the workplace is a good thing and argues that healthy competition breeds quality and improvement for customers.
2) It introduces three new recruiters who have joined yolk recruitment's business support and IT divisions to strengthen their expertise in key sectors.
3) It provides brief updates on yolk recruitment supporting various upcoming events and initiatives regarding business networking, unemployment, and work wear.
The game changer the darwin matrix - john rainford. pdfJohn Rainford
The document describes Strawberry Fields, a business innovation consultancy, and their Darwin Innovation Matrix process, which helps companies collaborate more effectively to invent solutions and gain a competitive advantage through visualization and connection mapping. The process was developed for Royal Dutch Shell and has since been used successfully by various universities, businesses, and organizations to inspire innovation.
Fabrizio Capobianco Funambol Stanford Apr2709Burton Lee
The document discusses Funambol, an open source mobile sync and push email company. It provides an overview of Funambol, including that it is the #1 cross-platform mobile open source project with 3 million downloads. It discusses how mobile sync and push email are growing in demand but difficult to deliver at scale. Funambol provides a carrier strength open source solution with the broadest device compatibility and diverse email support as the leading cross-platform mobile open source solution.
IntellaCore is a company that helps other businesses become globally competitive without requiring significant capital investments. It does this by evaluating companies, helping them enter new international markets, and introducing them to new global vendors and suppliers. Case studies show how IntellaCore has helped companies expand into countries like Canada, the UK, and others by providing market intelligence and connecting them with potential partners. Business owners praise IntellaCore for providing measurable results that have helped grow their distribution and sales globally.
Grands groupes: 8 manières de collaborer avec une start-up, jusqu’au coup de foudre?
Read more at http://www.frenchweb.fr/grands-groupes-8-manieres-de-collaborer-avec-une-start-up-jusquau-coup-de-foudre/225966#EbLo8TpXaoc7K42W.99
How do the world's biggest companies deal with the startup revolution?Andrew Webber
This document summarizes key points from a report on how the world's largest public corporations engage with startups. It finds that corporate venture capital, accelerators/incubators, and startup competitions are the most common engagement channels. Different corporate objectives are best served by different startup engagement approaches. The report provides recommendations for corporations on engaging with startups and highlights examples of successful corporate-startup collaborations. It aims to guide corporations in developing their own startup engagement strategies.
This document brings together a set
of latest data points and publicly
available information relevant for
Financial Services Industry. We are
very excited to share this content and
believe that readers will benefit from
this periodic publication immensely.
Director Roundtable_Fast Tracking Growth May_15Chris Wright
This document summarizes a roundtable discussion between the director general of the Institute of Directors, Simon Walker, and 12 directors from various small and medium-sized businesses on the topics of growth, challenges, and opportunities in the current business environment. Key points discussed include the role of technology in driving growth, both for disruptive startups and more traditional companies; the need for improved broadband infrastructure in the UK; embracing globalization and accessing talent internationally; the importance of embracing failure and innovation; and how smaller companies can differentiate themselves and gain customers through authenticity, data analysis, and clear communication.
Some interesting thoughts on what it takes to scale and grow a $100m+ business. This is a write up up of some of the key learnings from last year's Silicon Valley Comes to the UK visit.
1. www.yaba.org.uk
catalyst
Newsletter of the Yorkshire Association of Business Angels Summer 2011
Camstent raises finance
Following Camstent’s
presentation at the YABA
Investment Forum in November
2010, the company has
announced the close of its first
funding round – and it includes
six YABA members.
In total, the company has raised £350,000 to further
develop its novel medical device technology, with the YABA
members’ investment accounting for a third of this finance.
Other investors included members of the business angel
communities in Cambridge and London.
Based in Cambridge, Camstent develops patented
polymer coatings based on research from the University of
Sheffield. The coating resists the growth of bacteria,
known as biofilms, on medical implants and devices. The
first application of the technology will be to coat urinary
catheters for the prevention of urinary tract infections,
which account for 40 per cent of all hospital acquired
infections.
Business angel Neil MacDonald is one of the six YABA
investors. He says: “I’ve been really impressed with the
product, the company and the clarity of the business plan
both at the Investment Forum, where Camstent CFO Clare
Twemlow presented a very compelling pitch, and in my
subsequent dealings with the company. This platform
technology has huge potential because it could be applied
to any number of implants and devices where biofilm –
and infection – are a problem.” for regulatory approval and engaging with potential licence partners. Chief
Executive Dave Hampton says: “We are delighted to welcome our new
Over the next twelve months Camstent will focus on shareholders and we’re looking forward to accelerating the growth of
optimising and refining its coating technology, preparing Camstent through this first catheter application and other future applications.”
In this issue:
2 FrogTrade company update 4/5 Syndication: building portfolios & a 7 Angel mentoring pays off
3 Entrepreneurs’ Relief new fund 8 LinkedIn seminars
Angel profile 6 May and June investment forums
2. 2 Newsletter of the Yorkshire Association of Business Angels Summer 2011
C O M PA N Y U P DAT E
FrogTrade
Leaping ahead
Named in March as the fastest growing
small business of the year in the
Yorkshire Fastest 50, FrogTrade’s learning
platform, known as Frog, is a flexible and
engaging learning environment. It's also
used by more than 600 schools in the UK
and is rapidly expanding into the
international market with schools in Hong
Kong, Switzerland, Ireland and Bermuda
to name a few.
A recent deal signed with YTL Education – one of
Malaysia’s largest listed companies – saw YTL pay
£2 million for a 20 per cent shareholding in the
business. The two companies are in the process
of setting up a £5 million joint venture in Kuala
Lumpur, with FrogTrade taking a 20 per cent stake.
With a current turnover of over £5 million, the
Halifax-based company is now aiming to increase
this figure, using its flexible technology as a
springboard.
Gareth Davies, FrogTrade
Managing Director, Gareth Davies, describes how Frog
has become so popular with schools: “Rightly or wrongly,
children as young as five are now joining the X-Box One person who has been instrumental in FrogTrade’s success
generation. From Facebook pages and iPods to Playstations is YABA member Mike Booth. A non-executive director of the
and Nintendo Wiis, their attention is dragged into a seductive company, Mike first met Gareth through connections at
world of interactivity and creativity. Until recently this was Eversheds. “Mike became an investor, but more than that, he
confined to just the more technically minded, but it has now hit also became our mentor,” says Gareth. “He’s a fantastic guy to
the mainstream and schools are finding it increasingly difficult have around when times are tough and he made sure we had
to compete for their children’s attention.” all the essential business processes in place – something that
we hadn’t implemented before he came along as we’d been too
Gareth continues: “Frog provides schools and teachers with the busy trying to sell our product. His insistence that we ‘build
ability to ‘catch up’ with the children; creating learning value’ into our business – with strong products and service –
experiences that can compete on both fronts – interactivity and has been key to our success.”
creativity. Children, like all of us, have to be engaged in
something before we allow ourselves to learn anything.” Mike added: “I have thoroughly enjoyed working with FrogTrade
and seeing the company go from strength to strength. It has
Frog has proven its ability to raise standards in schools and is only taken five years for Frog to
frequently mentioned in Ofsted reports as contributing to school establish itself as the leading brand
improvement. in UK schools and it is now rapidly
gaining recognition in international
Used in secondary schools across more than 100 local markets. It's an exciting time for the
authorities, Frog is increasingly being sold to primary schools company and I’m looking forward to
across the UK – mainly by word of mouth recommendation. seeing what the future brings.”
“The quality of our product and service is helping our overseas
sales rise but we won’t be taking our eye off the ball in the UK,” www.frogtrade.com
says Gareth. “In fact, the investment from YTL allows us to
accelerate our UK plans.”
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3. Summer 2011 Newsletter of the Yorkshire Association of Business Angels 3
ANGEL MEMBER PROFILE
Chris Kay company in 1983, New World Micro
Systems Ltd which blossomed into New
World Computer Systems Plc in 1992. The
Chris Kay joined YABA earlier this
company was focused on making efficiency
year. With a passion for technology, improvements by the introduction of
impressive non-executive director technology to blue chip companies
experience and a background in concerned with manufacturing and Chris Kay
accountancy, he likes to roll up his distribution industry. It grew throughout the
sleeves and really get involved in next twenty years, with Chris exiting in 2004.
he says. “I’d like to have a portfolio of
the companies he works in. companies I work with and I’m particularly
“Our US partners took over the business at
His interest in technology began back in the that point, and I focused my efforts on interested in new technologies.”
1980s, when he worked as Financial working with SMEs, mainly in a non-
Director for a group of privately owned executive director role,” says Chris. “I have Since joining, Chris has participated in
companies in a turnaround situation. “I was an equity stake in one company at the some of the workshops provided by YABA
an accountant by profession and worked for moment, Logicor Ltd, which creates and has found them to be particularly
a group which included vehicle reselling, intellectual property for commercial useful. “They’ve been great learning
fast food and haulage divisions,” he says. “It exploitation.” This, he says, keeps him pretty experiences,” he says. “But more than that,
got into difficulties during a severe busy. “But there’s always more I could be I’ve had the chance to meet other business
economic downturn and as part of the doing,” he smiles. angels. I’m interested in syndication if the
turnaround process, we installed a new opportunity arises, so it’s good to have
computer system and I saw an opportunity Being semi-retired now, Chris is actively made some contacts already.”
to bridge the communication gap which I seeking ways in which he can assist SMEs
in the region. “I’m always looking for Chris manages his portfolio through his
perceived existed between the accountants
company Financetech Management
and the IT people in the business.” companies I could help – either in a
Services Ltd. See www.ftechmanserv.co.uk
mentoring role, as a part-time financial
for more information.
This led to the formation of Chris’s own director, as an angel investor or as an NED,”
Entrepreneurs’ Relief: maximising
the return for business angels
Securing Entrepreneurs’ 2011 budget geared towards partnerships, and assets used in
Relief (ER) is a key priority smaller businesses, the Chancellor businesses, may also qualify.
made the relief even more As with many simple-sounding tax
for business angels looking
desirable by increasing the lifetime reliefs, the opportunities to
for a tax-efficient route to allowance to £10 million per maximise the relief are great but
unlock capital invested in person, a potential tax saving of pitfalls for the unwary abound.
new enterprise. Katherine up to £1.8 million per individual. With careful planning, it may be Katherine Bullock
Bullock, Private Client and possible to ensure that more than
Private Business Partner at In order to qualify for relief on one individual benefits from ER likely to be in a form other than
shares, for 12 months prior to sale, increasing the total potential tax cash, for example loan notes, ER
PwC in Leeds, explains saving even further – for example,
the shareholder: may be lost. This can often be
how business angels can • needs to hold at least 5 per cent by involving a spouse or adult resolved by planning in advance of
use it to their advantage. of the ordinary share capital and children in the business. an exit. The key is therefore to plan
voting rights early and to retain flexibility.
With an increase in the headline • must be an employee or director Simple restructuring may ensure
rate of capital gains tax from 18 (executive or non executive). that the 5 per cent requirement is With upfront planning,
per cent to 28 per cent and met for a number of shareholders entrepreneurs and investors can
speculation as to further tax Additionally, throughout the period, who otherwise would not qualify for ensure that proceeds are
increases to come, a vital area of the company must be a trading ER. This can be particularly maximised and that they are not
tax planning for those company, or the holding company attractive for key executives and out of pocket when it comes to a
contemplating the future sale of of a trading group. Insubstantial investors alike, particularly as there sale, avoiding aggressive and
their business is how to access the non-trading activities are permitted is no requirement for a 5 per cent high-risk tax planning at a later
lower 10 per cent rate by securing making it critical to monitor the shareholding to equate to 5 per date. ER is simply too valuable for
Entrepreneurs’ Relief (ER). impact that any “investment cent of the value of the company. today’s entrepreneur to ignore.
activity” may have on the relief.
Amidst a raft of measures in the Sole trader businesses, interests in Where proceeds on an exit are www.pwc.co.uk/north
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4. 4 Newsletter of the Yorkshire Association of Business Angels Summer 2011
Syndication: building an
investment portfolio
Is it easier to invest on your own investments.” David
or is it better to join forces with agrees and adds: “As
other investors? Two of YABA’s well as the benefits of not
having to carry the full
longest-standing angel members
weight of the investment,
discuss the pros and cons of
it’s just more fun to be
syndicate investment. part of a syndicate. The
investors involved are
One of the most important factors in the usually a different group
success of a syndicate investment is the each time and it’s a way
relationship between the entrepreneur or of meeting and working
management of the investee company with new people.”
and the syndicate. Jennifer Ryan has
made a number of syndicate investments “There’s a possibility that
during her years as a YABA member, the group dynamic of a
David Thornton
including surgical instrument syndicate could become
manufacturer, Single Use Surgical. “In unwieldy or difficult,
this case I was the syndicate’s lead especially if a number of David. “The leader is not necessarily the
investor and my fellow investors were a the investors want to get involved in person who has made the largest
mixture of the more and less running the business,” says David. “I investment – although that’s usually the
experienced. Having a competent MD believe that an investor should be there case – but it’s essential that they have
like Matthew Tully on board made my on the end of a telephone for advice and the right qualities. Being part of a
role much easier. Many investors like to support, attend meetings when needed syndicate can be very helpful when
be ‘hands-off’ as they’re employed full- and take a step back if that’s the best investigating the prospective investment
time elsewhere or don’t have the time to approach.” as angels come from various business
get involved in the company. Those that backgrounds with differing expertise and
prefer to be ‘hands-on’ often don’t want Having an experienced leader is key to knowledge. When it comes to due
to join a syndicate as it’s easier for them the success of syndicate investment, as diligence, this can also be carried out
to operate by themselves.” Jennifer says: “Without a leader the collectively.”
investment becomes riskier as no-one
YABA founder and experienced investor takes overall responsibility or charge and Summing up her syndicate experience,
David Thornton has had similar that’s true of all types of investment.” Jennifer adds: “It’s essential that the
experiences: “Chemistry between leader of any syndicate has the
entrepreneurs and investors is vital, With both Jennifer and David having had experience and capability to influence
especially when times are tough and experience as syndicate leaders, they’re and guide the management of the
things start to go wrong,” he says. “It in agreement as to the best approach for investee company. It’s a role I’m happy to
also helps when the investee company is a successful investment. “A syndicate take on – especially if it’s crucial to the
reasonably close geographically so that needs someone to head it up,” says success of the investment.”
investors can be on hand to solve any
problems that arise.”
A major benefit of syndicate investment
is the spreading of the financial risk.
“When a larger investment is required,
syndicate investment is ideal,” says
Jennifer. “It’s possible that the risks are
higher when a larger amount of money is
required, but that’s mitigated by the
number of investors joining forces. If a
company, its management and its
product are sound, the risk reduces
anyway – that’s the case in all
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5. Summer 2011 Newsletter of the Yorkshire Association of Business Angels 5
Syndication: new fund
to support syndicates
A new angel co-investment fund, designed to application and also undertaking the monitoring and reporting
support business angel syndicates, will provide to the Fund.
funding of between £50,000 and £1 million for
investment deals of £200,000 upwards. The Co-Investment Fund has been designed to support new
investments rather than existing ones, however once investments
The Business Angel Co-Investment Fund for England, which has have been agreed, follow-on funding may be available.
made a total of £50 million available, is the result of a joint bid Syndicates will need to agree to share all future investment
by five private sector partners to the Government’s Regional opportunities although the Fund is not obliged to invest.
Growth Fund. It is planned that the new Fund will be fully
operational by autumn 2011. Further details will be advised to members in due course.
“With syndication on the rise among
business angels, this is really good
news both for angels and SMEs in the
region,” says Barbara Greaves, YABA’s
General Manager. “It’ll obviously boost
the amount that syndicates may be able
to offer to businesses and it will also
encourage more angels to get involved
in syndicate investment.”
Viking Fund Managers Limited (VFM)
are registered as gatekeepers for
syndicates looking to approach the
Co-Investment Fund and will assist in
facilitating bids through developing the
necessary documentation for
FACTS & FIGURES
The Department for Business, Innovation & Skills • 67% of smaller investors were members of
published its annual report on the business angel syndicates compared with 28% of the larger
market in the UK, 2009/10 in June this year. (over £100,000) investors
Key findings included: In over half of the deals [reported by BBAA
• Almost 60% of angels had invested with a networks] angels invested less than £100,000 and
syndicate in three-quarters of deals angels invested less
than £200,000. More than half of all investments
• 40% had invested exclusively through angel involved at least two angels, while 18% involve
syndicates more than five angels.
• Smaller investors – those investing less than
£50,000 in 2009/10 – were most likely to invest To see the full report, go to
exclusively through a syndicate (48%). http://www.yaba.org.uk/news/survey-results
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6. 6 Newsletter of the Yorkshire Association of Business Angels Summer 2011
I N V E S T M E N T F O RU M S : YO R K A N D L E E D S
10 May 2011 A second online proposition came from
Howard Mould of B2E Ltd. His website
rehabilitation and improved co-ordination
skills. John is looking for £100k, and has
www.cargo-solv.com provides a comparison already received licensing enquiries from the
Held at the beautiful and historic
site for freight shippers, enabling them to US and Italy.
Merchant Adventurers Hall in York, source the best shipping option for their
the May Investment Forum featured business, comparing not only type of
a mix of start-up and more transport, but also cost and environmental
established companies. credentials.
It was somewhat fitting that Sophie Jewett, The Forum was held in partnership with
whose business Little Pretty Things was Garbutt & Elliott, long-time supporters of
presenting at the event. The Hall is the very YABA. Chairman David Dickson, also a
place where Mary Tuke had applied for member of the Company of Merchant
permission to import chocolate, laying the Adventurers talked of the growth of
foundations for what later became one of knowledge businesses in York. He said: “As
York’s major employers, Rowntrees. Sophie’s an early member of YABA, it’s great to hold a
business is a unique chocolate experience forum here, where so many deals have been
centre and is also involved in retailing done over the last 650 years.” Skore Fitness
specialist chocolate products. “Mary Tuke
didn’t get a warm reception when she first
came here,” she said. “So I hope you’ll receive 14 June 2011 Joanne Lowe’s Sheffield-based company,
me better!” Cojolo, provides equality and diversity training
Indeed the audience enjoyed all the
The June for both managers and recruitment agencies
presentations, of which there were five in total.
investment with the aim of improving employment
For horror fans, Shudder Films presented their
forum took opportunities for disabled graduates. The
sci-fi horror film, Further Instructions, for which
place on a beautiful balmy evening company also sources work and provides
match funding is sought. With an offer of
at Grant Thornton’s city centre mentors for disabled graduates. Joanne is
offices in Leeds on the Waterfront. looking for £40k to expand the operation’s
£100,000 already from Northstar Ventures, the
Grant Thornton both hosted and coverage from regional to national.
company is seeking an additional £100,000.
sponsored the evening and YABA
Other presentations included one from members, guests and entrepreneurs Perry Uniform offers design, manufacture and
Graham Whitby, who some of the audience were given a warm welcome by retail distribution of uniforms to independent
may have remembered from Dragon’s Den. Senior Business Development schools. Bernard Bunting outlined the Leeds-
Graham’s business, Natural Sleep Manager, Sandra O’Neill. based company’s
Innovations Ltd (formerly Baby Dream approach: online
Machine), was on the lookout for investment to Kicking off the evening was Neil Seaton of intelligent sizing
widen its product range. Nationwide Caravan Buyer, based in Bedale. and first class
The company generates essential used stock customer service.
data for caravan retailers, offering immediate The company is
valuations to sellers and forwarding collated looking for £150k
enquiries to buying agents. The business has to aid expansion
the potential for rapid growth and £45k is and is especially
required to fully roll out its offer across the interested in
country. investors with
Stuart St Paul returned to YABA with another experience of the
opportunity to invest in the making of a new textiles supply
film through Leeds-based 102 Productions. chain. Perry Uniform
The company has proven its ability to make
profitable films on low budgets with its first Steve Roberts of Site Tools in Sheffield
offer to YABA, the award- winning Freight. The rounded off the evening by presenting the Site
Natural Sleep Innovations
company is looking for £150k for its new film Vice which grips pipes and other objects
and investors will be given priority repayment simply and securely, eliminating the hazards of
Robin Hilton and Jonathan Clough may also plus interest and profit share. using other cutting devices. Developed with
have been familiar faces to some, having been the support of a national alliance of UK
John Dike, of Skore Fitness in Sheffield, construction companies, Site Tools is looking
involved with the incredibly successful Dubit
presented a fitness ball with a unique shape for £150k and believe that the Site Vice could
business. The proposition they presented,
designed to allow the user a safer and more be adapted to be the “next Workmate”,
Research Bods Ltd, has built on the success
efficient workout. The ball’s not only aimed at offering opportunities to move into the DIY
of Dubit, creating an online consumer
athletes and fitness fanatics, it’s also highly market.
research offer for businesses looking for new
useful for disabled people requiring physical
ways to conduct market research.
Disclaimer: Investment in new business carries high risks as well as the possibility of high investments of this kind. Yorkshire Association of Business Angels (“YABA”) cannot advise on
rewards and potential investors should be aware that no established market exists for the the merits or risks of investment and is not authorised to arrange transactions or circulate
trading of shares in private companies. Before investing in a project about which information offer documents under the Financial Services and Markets Act 2000. YABA is an exempt
is given, potential investors are strongly advised to take advice from a person, authorised body for the purposes of arranging deals in investments under statutory instrument 1201 of
under the Financial Services and Markets Act 2000 (“FSMA”), who specialises in advising on 2001 as a non-profit making organisation.
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7. Summer 2011 Newsletter of the Yorkshire Association of Business Angels 7
Angel mentoring pays off
Mentoring from YABA angel member with Jennifer’s business plan. She had a
Steve Naylor has helped University good idea, had done her market research
of Sheffield student, Jennifer Ashton, and had some great plans to scale up the
business,” says Steve. “During our mentoring
move a step closer to opening her time, I helped to distil Jennifer’s elevator pitch
business, Kolours. and to focus and define the core strengths of
her business plan.”
Kolours is a hair and beauty salon concept
which will specialise in Afro-Caribbean hair The help paid off and Jennifer went on to
and skin treatments. The idea for Kolours was beat almost 200 entrants at the University of
born when Jennifer moved to Sheffield and Sheffield Enterprise Award 2011. The prize
couldn’t find a suitable salon. She has just money of £2,000 will go towards an NVQ
completed a BA in Accountancy, Financial Level 3 at Sheffield College to formalise Jennifer Ashton
Management and Business Management at Jennifer’s own hair and beauty skills. At the
the University. same time, she will be looking for premises for because it helps get them off on the right foot,
the first Kolours salon. “My plan is to have self- and it can help in the avoidance of costly
Jennifer and Steve met when she pitched her employed consultants in the salon,” she says. mistakes in the future.”
business plan at a panel event organised by “I’d like to also have my own clients and I
YABA Ambassador Catherine Kennedy, along need a professional qualification to do this.” If you’re a YABA member interested in
with the University of Sheffield and Sheffield mentoring and you’re not already on our
Hallam University, earlier this year. Says Steve: “It’s great to see ideas at such an register of mentors please do get in touch.
early stage. This is when businesses can Call 01423 810149 or email
The prize for winning was some mentoring really benefit from some intense mentoring, charlotte@yaba.org.uk.
time with Steve. “We were really impressed
YABA – connecting business angels
YABA may be best known for made were instrumental in the formation
matching entrepreneurs with of this new venture.” With a common goal
of creating a market-leading business
investors, but what's less common
intelligence solution and with their wealth
knowledge is its power to bring of commercial expertise, Roger and Tony
together angel members in new decided to start a business together,
business ventures. launching their Intuitive Dashboards
product in January this year.
Intuitive Business Intelligence Ltd is a prime
example of this. The company was started Knowing that most company directors
by YABA members Tony Bray and Roger spend too much time sifting through
Stocker and evolved from an initial reports looking for quality business
discussion at an investment forum in 2009. information and not enough time focused
on growing their businesses, Tony and l-r Tony Bray and Roger Stocker
Tony and Roger had previously been in Roger’s software solution helps to address
competition, owning highly successful this issue. Intuitive Dashboards links to the
document management software companies. existing data within a business, providing a other business
They met regularly at awards ceremonies consolidated viewpoint of key business analysis software.”
and sold their respective companies within a information, depicted in a graphical Both Tony and
few weeks of one another in 2007. dashboard format. Business owners and Roger are now
managers can easily view potential employed full-time
Roger joined YABA in 2009 to take performance issues and spot trends and promoting their
advantage of the networking opportunities opportunities they might normally miss. product, but plan
and reconnect with the business community. to continue
It was at his first investment forum that he “We consulted a number of investors to find attending YABA events because, as Tony
bumped into some familiar faces, one of out what information they needed,” says says, “The networking opportunities are a
which was Tony. Roger. “There is a huge market for our valuable part of being a YABA member and
product and we’ve made sure that the networking remains an important aspect of
“YABA was invaluable to me for its software is cost-effective and can be the way that we intend to build awareness of
implemented quickly, so that businesses can our products.”
networking opportunities,” says Roger. “I was
reap the benefits of our dashboard within a
interested in the propositions on offer, but the
matter of hours as opposed to months for www.intuitivebusinessintelligence.com
connections I re-kindled and the new ones I
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8. 8 Newsletter of the Yorkshire Association of Business Angels Summer 2011
Diary dates New faces
YABA runs a full and varied events
The YABA associate membership continues to
calendar each year – if you’re interested
in attending any of these events, please
grow – our most recent new recruits are:
contact us on 01423 810149, or email
our Communications and Events
Manager, Charlotte Atkinson at Lintonwood Consulting
charlotte@yaba.org.uk www.lintonwood.com
27 July 20 September This Little Piggy
Angel members’ Investment forum www.thislittlepiggyinnovations.co.uk
seminar Location: Rotherham
Introduction to LinkedIn Time: 5.45pm
Location: Leeds
Time: 9.30am Godloves
11 October
www.godloves.co.uk
Angel members’ social
18 August lunch
Angel members’ Financial Leeds
seminar 12 October www.financialleeds.com
Making the most of
LinkedIn Master class
Location: Leeds Intellectual property –
Time: 9.30am traps in due diligence
Location: Sheffield
14 September
Master class
We regularly update
our events online.
Coming seminar will concentrate on a
Selecting and
evaluating an equity
Go to www.yaba.org.uk soon for beginner’s guide to LinkedIn:
how to create an effective
investment deal
to find out more.
YABA angel profile, connect to others and
Location: Sheffield
Time: 9.30am members – understand the power of this
social network. This will be
LinkedIn followed by a second LinkedIn
seminar on 18 August which
seminars will help you build upon your
existing profile by utilising key
We plan to hold two interactive features, finding valuable
LinkedIn seminars for our angel connections, promoting you as
investor members. Beginning an individual and as a business
on Wed 27 July at Brookfield along with becoming a
Court in Leeds, YABA’s first reputable online networker.
www.twitter.com/yaba1995
Copy: Campus PR
Contact us Yorkshire Association Barbara Greaves, Members of:
www.campuspr.co.uk
If you want to know of Business Angels Charlotte Atkinson Tel: 0113 357 2100
more about YABA 1 Hornbeam House or Jordana Beattie Design: Spiral
www.spiralcom.co.uk
or come to an Hornbeam Park T: 01423 810149 Tel: 0113 205 1400
investment forum, Hookstone Road E: admin@yaba.org.uk Photos: Simon x2 Photography
please get in touch. Harrogate HG2 8QT W: www.yaba.org.uk www.simonandsimonphoto.co.uk
Tel: 01937 844442
YABA information: 01423 810149 www.yaba.org.uk