The document summarizes a session on finance in Cornwall in 2019. It included presentations from various lenders on available funding options for businesses. Lloyds Bank discussed lending over $25 million to 92 Cornish businesses that year. Another presentation discussed using a commercial broker to access funding beyond a business's main bank. A third presentation was from a peer-to-peer lender on providing common-sense lending for rural and entrepreneurial businesses. The session aimed to bust myths around bank lending and provide businesses with information on alternative funding sources.
With over 300 debt finance options currently available to businesses, we thought it timely to have a look at that market.
Presenters include:
. Michael Cass (Capitalise)
. Rachel Taylor (SWIG Finance)
. Andrew James (PKF Francis Clark)
In addition to an overview of the debt market, presentations will include tips on how to access the finance that matches your business’ requirements.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
Breakfast Briefing - Equity is not just for Punks: practicalities and princip...PKF Francis Clark
In this focused breakfast, we will be joined by the local equity fund provider, Cornwall and Isles of Scilly Investment Fund (CIOSIF), and one of the county’s solicitors to discuss a number of issues pertinent to an equity fund raise:
This month's Breakfast Briefing is focused on the recently launched Cornwall and Isles of Scilly Investment Fund described as a potential 'game changer' in funding for SMEs in Cornwall and Isles of Scilly.
We will be joined by representatives from the Cornwall and Isles and Scilly Investment Fund (CIOSIF) in an interactive event that will feature presentations on the CIOSIF and the constituent elements of £40m fund (debt and equity); a presentation on Investor Readiness and plenty of chances for you to ask questions in an informal gathering over breakfast.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
With over 300 debt finance options currently available to businesses, we thought it timely to have a look at that market.
Presenters include:
. Michael Cass (Capitalise)
. Rachel Taylor (SWIG Finance)
. Andrew James (PKF Francis Clark)
In addition to an overview of the debt market, presentations will include tips on how to access the finance that matches your business’ requirements.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
Breakfast Briefing - Equity is not just for Punks: practicalities and princip...PKF Francis Clark
In this focused breakfast, we will be joined by the local equity fund provider, Cornwall and Isles of Scilly Investment Fund (CIOSIF), and one of the county’s solicitors to discuss a number of issues pertinent to an equity fund raise:
This month's Breakfast Briefing is focused on the recently launched Cornwall and Isles of Scilly Investment Fund described as a potential 'game changer' in funding for SMEs in Cornwall and Isles of Scilly.
We will be joined by representatives from the Cornwall and Isles and Scilly Investment Fund (CIOSIF) in an interactive event that will feature presentations on the CIOSIF and the constituent elements of £40m fund (debt and equity); a presentation on Investor Readiness and plenty of chances for you to ask questions in an informal gathering over breakfast.
PKF Francis Clark is delighted to present our 13th annual Finance in Cornwall event on Tuesday 25th June 2019.
Delegates will hear from more than a dozen sources of funding and business support via short presentations and panel discussions, with the opportunity to ask questions and network with other local business owners and directors and professional advisers.
This year we have also teamed up with Cornwall Lenders Forum (a Cornwall Chamber of Commerce initiative), Acceleration Through Innovation and Cornwall Trade and Investment.
We have welcomed over 150 people to the event each year and we recommend that you reserve a place if you are thinking about expanding or investing further in your business in Cornwall.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
This seminar features presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region. The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements.
This seminar features presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region. The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
Finance in Cornwall 2017 - Established (>2 Years) Session PKF Francis Clark
This seminar features presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region. The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
Finance in Dorset 2017 - Established (>2 Years) Session PKF Francis Clark
Adding to our series of existing events, Finance in the South West and Finance in Cornwall, Finance in Dorset looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
As part of the event we are running targeted sessions depending on your business needs - aimed at start-ups/businesses who have been trading for less than two years and those that have been trading for more than two years.
Adding to our series of existing events, Finance in the South West and Finance in Cornwall, Finance in Dorset looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
As part of the event we are running targeted sessions depending on your business needs - aimed at start-ups/businesses who have been trading for less than two years and those that have been trading for more than two years.
Adding to our series of existing events, Finance in the South West and Finance in Cornwall, Finance in Dorset looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
As part of the event we are running targeted sessions depending on your business needs - aimed at start-ups/businesses who have been trading for less than two years and those that have been trading for more than two years.
Truro - peer to peer - crowdfunding debt from an SME perspectivePKF Francis Clark
Slides from the peer to peer - crowdfunding debt from an SME perspective event held on 19th November 2014 at Francis Clark offices, Truro. Joint event with Francis Clark and Funding Circle.
• Presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region
• The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements
• To have a targeted session depending on your business needs – with a session focussed on start-up/early stage businesses
This month's Breakfast Briefing is focused on the theme of 'low carbon' (or 'clean growth' as it is referred to in the UK governments 'The Grand Challenges').
We will be joined by Tevi, Cornwall New Energy and others to deliver an information packed breakfast briefing that will disseminate information to assist the Owner Manager of the SME in embedding, or further embedding, 'clean growth' into your business ethos. Topics being covered include:
•Cornwall & Isles of Scilly and the low carbon economy – an update
•Overview of the business support available to businesses in Cornwall and Isles of Scilly
•Case studies showing how low carbon projects delivered additional profit and improved a business’ sustainability
•Reducing operating costs
•Enabling new energy costs and services to be brought to the market
•The circular economy and local energy generation – tomorrow’s themes today
•Funding
Slides that accompanied the Q3 2019 Quarterly Investment Briefing for West of England on 28th November. The event saw presentations from Paul Jones (British Business Bank), Simon Tutton & Fuschia Curry (Deepbridge Capital), Rosie Bennett (SETsquared) and Harry Destecroix (UnitDX/Carbometrics/Ziylo)
Slides 61-63 include information about those 26 companies that are actively raising investment in Q4 2019. Check out the disclaimer - these aren't recommendations, just information.
Finance in the South West 2017 - Established (>2 Years) Session PKF Francis Clark
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
This seminar features presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region. The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements.
This seminar features presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region. The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
Finance in Cornwall 2017 - Established (>2 Years) Session PKF Francis Clark
This seminar features presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region. The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of ‘Cornwall Business Week’.
The event looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
This year's event includes presentations from the big banks as well as the "alternative" finance providers. There will also be a number of organisations contracted to provide business support; including the providers of the Growth Hub and an update on 'European Funding'.
Finance in Dorset 2017 - Established (>2 Years) Session PKF Francis Clark
Adding to our series of existing events, Finance in the South West and Finance in Cornwall, Finance in Dorset looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
As part of the event we are running targeted sessions depending on your business needs - aimed at start-ups/businesses who have been trading for less than two years and those that have been trading for more than two years.
Adding to our series of existing events, Finance in the South West and Finance in Cornwall, Finance in Dorset looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
As part of the event we are running targeted sessions depending on your business needs - aimed at start-ups/businesses who have been trading for less than two years and those that have been trading for more than two years.
Adding to our series of existing events, Finance in the South West and Finance in Cornwall, Finance in Dorset looks to bring together people representing the funding and support streams potentially available to SMEs. Therefore, the event is of great relevance to Business Owners and Managers looking to find the best finance options available for their business and the support on offer to help them achieve their aims.
As part of the event we are running targeted sessions depending on your business needs - aimed at start-ups/businesses who have been trading for less than two years and those that have been trading for more than two years.
Truro - peer to peer - crowdfunding debt from an SME perspectivePKF Francis Clark
Slides from the peer to peer - crowdfunding debt from an SME perspective event held on 19th November 2014 at Francis Clark offices, Truro. Joint event with Francis Clark and Funding Circle.
• Presentations from sources of grant, debt and equity funding, as well as business support agencies operating in the region
• The presentations will be short and sharp giving the delegate a basis for an assessment of which funding stream/funder matches their requirements
• To have a targeted session depending on your business needs – with a session focussed on start-up/early stage businesses
This month's Breakfast Briefing is focused on the theme of 'low carbon' (or 'clean growth' as it is referred to in the UK governments 'The Grand Challenges').
We will be joined by Tevi, Cornwall New Energy and others to deliver an information packed breakfast briefing that will disseminate information to assist the Owner Manager of the SME in embedding, or further embedding, 'clean growth' into your business ethos. Topics being covered include:
•Cornwall & Isles of Scilly and the low carbon economy – an update
•Overview of the business support available to businesses in Cornwall and Isles of Scilly
•Case studies showing how low carbon projects delivered additional profit and improved a business’ sustainability
•Reducing operating costs
•Enabling new energy costs and services to be brought to the market
•The circular economy and local energy generation – tomorrow’s themes today
•Funding
Slides that accompanied the Q3 2019 Quarterly Investment Briefing for West of England on 28th November. The event saw presentations from Paul Jones (British Business Bank), Simon Tutton & Fuschia Curry (Deepbridge Capital), Rosie Bennett (SETsquared) and Harry Destecroix (UnitDX/Carbometrics/Ziylo)
Slides 61-63 include information about those 26 companies that are actively raising investment in Q4 2019. Check out the disclaimer - these aren't recommendations, just information.
Finance in the South West 2017 - Established (>2 Years) Session PKF Francis Clark
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
BoyarMiller's State of the Capital Markets eBookBoyarMiller
As part of its ongoing Breakfast Forum series, BoyarMiller hosted three financial experts for a moderated discussion on The Current State of the Capital Markets 2019. The panelists were: Kamden D. Kanaly, CFP®, Chairman, KDK Private Wealth Management; John Sarvadi, Executive Managing Director, Corporate Banking, Texas Capital Bank; and Scott D. Winship, Managing Director, GulfStar Group Investment Bankers.
Strategic Capital Partners offers a multitude of funding options to small business owners across the nation. Speed, simplicity, and security are the driving factors behind everything we provide to our clients. Upon submitting your application, we review it with a dedicated funding advisor. We then search our vast network of lenders to find the best funding options available to perfectly meet the demands of your business. Small business is the backbone of America and Strategic Capital Partners is the backbone of small business.
PKF Francis Clark is hosting a seminar which brings together providers of business funding, including both debt and equity; business support agencies including grant specialists; our own corporate finance experts and business owners themselves to provide short, sharp presentations in order to assist business owners and managers in assessing which funding stream is right for them.
The Where, When and How to Finance Business GrowthMartin Jack
Where do you go to understand the Finance options that may be right for your business? When is the optimum time to finance business growth? How do you then access that finance?
All these questions and more will be answered to enable you to have confidence and knowledge to boost your business.
Nyba.retail and small business conference.march 15 2013.v1Ned Miller
A recent New York Bankers Association Conference on "Building Momentum with Small Businesses." Some of the topics include: The top 10 questions that drive satisfaction for business owners, 4 key iniatives for banks interested in building sustainable results and research on what small businesses want from their banks.
Similar to Finance in Cornwall 2019 - Session 2a (20)
Exeter - Essential 6-monthly Finance Directors' Update - November 2019PKF Francis Clark
This round of seminars will, as always, provide you with key updates and issues affecting FDs and business owners as shown in the programme below. We will also endeavour to include any relevant Brexit updates and will take questions from the audience.
Plymouth - Essential 6-monthly Finance Directors' Update - November 2019PKF Francis Clark
This round of seminars will, as always, provide you with key updates and issues affecting FDs and business owners as shown in the programme below. We will also endeavour to include any relevant Brexit updates and will take questions from the audience.
Bristol - Essential 6-monthly Finance Directors' Update - November 2019PKF Francis Clark
This round of seminars will, as always, provide you with key updates and issues affecting FDs and business owners as shown in the programme below. We will also endeavour to include any relevant Brexit updates and will take questions from the audience.
For innovative businesses it is vital to take advantage of support that can enable a business to grow. This includes tax reliefs aimed at the different stages in a business’s life cycle and the various avenues that are available for raising finance to take the business to the next level of its development. In this session we will look at the early stage of R&D claims and funding opportunities, through to share schemes, EIS and international expansion and the correlation with raising finance, both equity and debt, culminating in the final stage of the business being sold, what this can look like and how to be prepared.
Bodmin - Essential 6-monthly Finance Directors' Update - November 2019PKF Francis Clark
This round of seminars will, as always, provide you with key updates and issues affecting FDs and business owners as shown in the programme below. We will also endeavour to include any relevant Brexit updates and will take questions from the audience.
Taunton - Essential 6-monthly Finance Directors' Update - November 2019PKF Francis Clark
This round of seminars will, as always, provide you with key updates and issues affecting FDs and business owners as shown in the programme below. We will also endeavour to include any relevant Brexit updates and will take questions from the audience.
Bournemouth - Essential 6-monthly Finance Directors' Update - November 2019PKF Francis Clark
This round of seminars will, as always, provide you with key updates and issues affecting FDs and business owners as shown in the programme below. We will also endeavour to include any relevant Brexit updates and will take questions from the audience.
Whilst uncertainty is unhelpful to many in the sector, the delay to Brexit has seen a continuing boom in the commercial property market in the South West, with 1.7m square feet of space coming on stream over the last 12 months – concentrated in the industrial and logistic sectors. What is clear is that those in the property sector, whether developer, landlord, investor or landowner need to concentrate on exploiting opportunities and managing costs wherever possible.
Property is still a key asset, giving strong income returns and means of capital preservation for the investor and wider family. Our highly knowledgeable and experienced advisers will offer practical, constructive insights and advice
This month’s Breakfast Briefing is based on the hottest topic in company ownership – Employee Ownership Trusts.
South West firm, Paradigm Norton is the latest business to make headlines by becoming employee owned. It follows hot on the heels of Richer Sounds joining the most well-known employee owned company, John Lewis. High street staple Lush has also started the journey.
PKF Francis Clark will be joined by Christian Wilson from Stephens Scown to look at the Employee Ownership Trust model from a legal and tax perspective. We will also hear some of the factors that are stimulating increasing interest in the model, including the results of research showing that the greater staff engagement and lower staff turnover associated with this model helps to employee owned companies to achieve:
- Sales increase of 4.6% per year
- EBITDA increase of 25.5% per year
- Productivity increase of 4.5% per year
We will also consider some of the practical issues to be considered in deciding whether this is an option to pursue and in implementation. There will be a brief mention of some other related (i.e., employee engagement) issues.
The seminar is timed to coincide with the expected publication dates of the new Academies Financial Handbook and the new Academies Accounts Direction. We will cover the main changes in a clear and understandable way.
These technical presentations will be complemented by other relevant and topical matters, including, governance and risk management, VAT and Integrated Financial Curriculum Planning - which is currently a very popular financial health check review of the ESFA.
Our intention is for the seminars to be relaxed and informal, offering you opportunities to ask questions and to meet your counterparts from other Trusts.
Topics include:
• Update on the Academies Accounts Direction
• Update on the Academies Financial Handbook
• What does a good board look like?
• Integrated Curriculum Financial Planning
• Are you managing risk?
• VAT Update
The seminar is timed to coincide with the expected publication dates of the new Academies Financial Handbook and the new Academies Accounts Direction. We will cover the main changes in a clear and understandable way.
These technical presentations will be complemented by other relevant and topical matters, including, governance and risk management, VAT and Integrated Financial Curriculum Planning - which is currently a very popular financial health check review of the ESFA.
Our intention is for the seminars to be relaxed and informal, offering you opportunities to ask questions and to meet your counterparts from other Trusts.
Topics include:
• Update on the Academies Accounts Direction
• Update on the Academies Financial Handbook
• What does a good board look like?
• Integrated Curriculum Financial Planning
• Are you managing risk?
• VAT Update
In association with Croner Taxwise, the conference will focus on some specific areas that we believe will be of significant interest and relevance for our consultancy clients.
Employment status & off-payroll (IR35)
VAT
Managing people in the modern accountancy practice
Dealing with fast growth business
Tax planning for the family business
Dealing with Non-Doms
Taunton - Essential 6-monthly Finance Directors' Update - June 2019PKF Francis Clark
Our six monthly finance seminars provide a high level overview of issues affecting Finance Directors and business owners across key areas such as tax, VAT, financial reporting, corporate finance and financial planning. In this round we will also take a look at two additional areas of risk; director failing and cyber security, both of which good governance can mitigate against. This session has been designed to go back to basics, providing hints and tips and key updates to help you to navigate the many complex issues facing directors.
Truro - Essential 6-monthly Finance Directors' Update - June 2019PKF Francis Clark
Our six monthly finance seminars provide a high level overview of issues affecting Finance Directors and business owners across key areas such as tax, VAT, financial reporting, corporate finance and financial planning. In this round we will also take a look at two additional areas of risk; director failing and cyber security, both of which good governance can mitigate against. This session has been designed to go back to basics, providing hints and tips and key updates to help you to navigate the many complex issues facing directors.
Bournemouth - Essential 6-monthly Finance Directors' Update - June 2019PKF Francis Clark
Our six monthly finance seminars provide a high level overview of issues affecting Finance Directors and business owners across key areas such as tax, VAT, financial reporting, corporate finance and financial planning. In this round we will also take a look at two additional areas of risk; director failing and cyber security, both of which good governance can mitigate against. This session has been designed to go back to basics, providing hints and tips and key updates to help you to navigate the many complex issues facing directors.
The world of search engine optimization (SEO) is buzzing with discussions after Google confirmed that around 2,500 leaked internal documents related to its Search feature are indeed authentic. The revelation has sparked significant concerns within the SEO community. The leaked documents were initially reported by SEO experts Rand Fishkin and Mike King, igniting widespread analysis and discourse. For More Info:- https://news.arihantwebtech.com/search-disrupted-googles-leaked-documents-rock-the-seo-world/
Improving profitability for small businessBen Wann
In this comprehensive presentation, we will explore strategies and practical tips for enhancing profitability in small businesses. Tailored to meet the unique challenges faced by small enterprises, this session covers various aspects that directly impact the bottom line. Attendees will learn how to optimize operational efficiency, manage expenses, and increase revenue through innovative marketing and customer engagement techniques.
Enterprise Excellence is Inclusive Excellence.pdfKaiNexus
Enterprise excellence and inclusive excellence are closely linked, and real-world challenges have shown that both are essential to the success of any organization. To achieve enterprise excellence, organizations must focus on improving their operations and processes while creating an inclusive environment that engages everyone. In this interactive session, the facilitator will highlight commonly established business practices and how they limit our ability to engage everyone every day. More importantly, though, participants will likely gain increased awareness of what we can do differently to maximize enterprise excellence through deliberate inclusion.
What is Enterprise Excellence?
Enterprise Excellence is a holistic approach that's aimed at achieving world-class performance across all aspects of the organization.
What might I learn?
A way to engage all in creating Inclusive Excellence. Lessons from the US military and their parallels to the story of Harry Potter. How belt systems and CI teams can destroy inclusive practices. How leadership language invites people to the party. There are three things leaders can do to engage everyone every day: maximizing psychological safety to create environments where folks learn, contribute, and challenge the status quo.
Who might benefit? Anyone and everyone leading folks from the shop floor to top floor.
Dr. William Harvey is a seasoned Operations Leader with extensive experience in chemical processing, manufacturing, and operations management. At Michelman, he currently oversees multiple sites, leading teams in strategic planning and coaching/practicing continuous improvement. William is set to start his eighth year of teaching at the University of Cincinnati where he teaches marketing, finance, and management. William holds various certifications in change management, quality, leadership, operational excellence, team building, and DiSC, among others.
Cracking the Workplace Discipline Code Main.pptxWorkforce Group
Cultivating and maintaining discipline within teams is a critical differentiator for successful organisations.
Forward-thinking leaders and business managers understand the impact that discipline has on organisational success. A disciplined workforce operates with clarity, focus, and a shared understanding of expectations, ultimately driving better results, optimising productivity, and facilitating seamless collaboration.
Although discipline is not a one-size-fits-all approach, it can help create a work environment that encourages personal growth and accountability rather than solely relying on punitive measures.
In this deck, you will learn the significance of workplace discipline for organisational success. You’ll also learn
• Four (4) workplace discipline methods you should consider
• The best and most practical approach to implementing workplace discipline.
• Three (3) key tips to maintain a disciplined workplace.
Unveiling the Secrets How Does Generative AI Work.pdfSam H
At its core, generative artificial intelligence relies on the concept of generative models, which serve as engines that churn out entirely new data resembling their training data. It is like a sculptor who has studied so many forms found in nature and then uses this knowledge to create sculptures from his imagination that have never been seen before anywhere else. If taken to cyberspace, gans work almost the same way.
Attending a job Interview for B1 and B2 Englsih learnersErika906060
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A Memorandum of Association (MOA) is a legal document that outlines the fundamental principles and objectives upon which a company operates. It serves as the company's charter or constitution and defines the scope of its activities. Here's a detailed note on the MOA:
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Name Clause: This clause states the name of the company, which should end with words like "Limited" or "Ltd." for a public limited company and "Private Limited" or "Pvt. Ltd." for a private limited company.
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Registered Office Clause: It specifies the location where the company's registered office is situated. This office is where all official communications and notices are sent.
Objective Clause: This clause delineates the main objectives for which the company is formed. It's important to define these objectives clearly, as the company cannot undertake activities beyond those mentioned in this clause.
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Liability Clause: It outlines the extent of liability of the company's members. In the case of companies limited by shares, the liability of members is limited to the amount unpaid on their shares. For companies limited by guarantee, members' liability is limited to the amount they undertake to contribute if the company is wound up.
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Capital Clause: This clause specifies the authorized capital of the company, i.e., the maximum amount of share capital the company is authorized to issue. It also mentions the division of this capital into shares and their respective nominal value.
Association Clause: It simply states that the subscribers wish to form a company and agree to become members of it, in accordance with the terms of the MOA.
Importance of Memorandum of Association:
Legal Requirement: The MOA is a legal requirement for the formation of a company. It must be filed with the Registrar of Companies during the incorporation process.
Constitutional Document: It serves as the company's constitutional document, defining its scope, powers, and limitations.
Protection of Members: It protects the interests of the company's members by clearly defining the objectives and limiting their liability.
External Communication: It provides clarity to external parties, such as investors, creditors, and regulatory authorities, regarding the company's objectives and powers.
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Binding Authority: The company and its members are bound by the provisions of the MOA. Any action taken beyond its scope may be considered ultra vires (beyond the powers) of the company and therefore void.
Amendment of MOA:
While the MOA lays down the company's fundamental principles, it is not entirely immutable. It can be amended, but only under specific circumstances and in compliance with legal procedures. Amendments typically require shareholder
4. Confidential
Confidential
4
MYTH BUSTING:
Are Banks Lending to Businesses?
“Banks cracking down on lending after borrowing
binge…..” 2017
“Bank lending to small business shrinks…” 2014
The Lloyds Bank Cornwall SME Team have lent £25.4M to
92 Cornish businesses during 2019
Lloyds Bank Cornwall SME Team has approved £37.2M
for 102 Cornish businesses YTD
5. Confidential
Confidential
5
Borrowing Bingo
Bingo
Use of funds
Breakdown of the
project cost and how it
will be funded
Trading accounts
Last 3 years
ALIEs
Assets and
Liabilities
Security available
Business plan Bank statements
Personal
Business
Forecasting
Cash flow
Forecast
Profit and Loss
Forecast
Existing borrowing
HP/Lease schedule
CV Structure
Has Accountant’s
advice been
provided
7. Why use a Commercial Finance Broker ?
Simon Sheldrake - Partner
8. Changing the face of commercial finance…
At South West Business Finance we are experts when it
comes to finding funding solutions for our clients
throughout the South West of England.
We specialise in finding funding in the following areas:
• Property Investment
• Property Development
• Commercial Mortgages
• Working Capital
• Bridging Finance
• Invoice Finance
• Crowd Funding
• Asset Finance
• Where “it doesn’t quite fit” or “it’s not one for us now”
• Banking Consultancy
9. Why use a Commercial Finance Broker?
Ready access to a bank manager is now less common.
• A few years ago most businesses had a named
relationship manager who they would approach with
any borrowing requests and who would make it
happen.
• Existing bank may not be able to help. Many do not
know where to turn then.
• If the proposal is not for the incumbent bank now it
does not mean that it cannot/will not go back to them
in due course.
• Broker provides access to not just one but a number
of different funders.
10. Why use South West Business Finance?
What makes us unique?
• Unrivalled banking/broking experience…over 300
years combined (almost 34 in my case) of
commercial and corporate experience.
• We have sat the other side of the desk - Bank
Manager, Underwriter as well as Broker
• Help to shape deals and present to lenders the
information needed in a clear format
• Personal customer service
• Professional network
• Fully authorised by the FCA
• Members of the NACFB
• In house compliance function
11. What we will do…
We can offer a flexible approach to finding funding, we
will….
• Sit down and get to know the customer and their
business, understand their goals
• Making things happen – See the deal through (or
sometimes not if not best for the business !)
• Use our network of contacts to find the most
appropriate funding solution
• Guide the customer through the process from
start to finish
We are committed to helping businesses grow and
prosper
We work closely with a variety of lenders (over 200)
understanding their preferences and current lending
criteria to secure finance
12. Meet the Team
The Team is now 13 members
strong, all of whom have a huge
amount of commercial banking
experience and is supported by a
Client Manger and Compliance and
Operations Manager
13. How to contact us…
simonsheldrake@swbf.co.uk
01326 250332
07848 190011
www.swbf.co.uk
01225 800849
15. Who are we?
Trustees from Cornwall Council, Cornwall Chamber of Commerce, Devon
County Council, Gloucestershire First LEP, Barclays and Lloyds banks.
Offices in Truro, Exeter and Bristol
FCA Regulated; Responsible Finance Provider
• Not-for-profit finance company
• Established 1989
16. What do we do?
Finance and support to SMEs
excluded from mainstream
finance in the Southwest
• Lack of track record/security
• Poor credit rating
• Not within credit policy
• Not investment ready
• No bank manager
17. Why are we different?
People not computers
• Potential not collateral
• Personal, professional service
• Relationship Management
• Honest advice
• Flexible
19. ENTERPRISE LOANS
• £10,000 - £100,000
• Up to £250,000 in Cornwall
• Repayable up to 5 years
• 12% Interest ABR
• Flexible repayment terms
• Unsecured
• Backed by EFG
20. • £500 to £25,000 per business owner
• Businesses trading up to 2 years
• Fully funded business support
• 6% interest fixed
• Initial repayment holiday
• Repayable up to 5 years
21. APPLICATION PROCESS
1. Simple online application
2. Initial assessment
3. Provide information i.e. financials
4. Face-to-face meeting
5. Decision in 1-2 weeks
Application process supported by our local Business
Managers and advisors – happy to discuss
22. Mappix
A Cleaner Generation, one of the UK’s
leading solar panel cleaning companies,
purchased new specialist machinery with a
growth loan from SWIG Finance matched
with grant funding.
Charity needed investment in order to take the
platform out of test trading and launch it to a
wider market and approached SWIG Finance
for funding. She says: “I needed finance in
order to market the platform and continue to
build and develop it.”
31. Don’t fit?
The property against which your loan is secured could be at risk if you do not meet
payments.
32. We can help…
1. The business that wants to grow and develop
2. The business that wants to diversify
3. Borrowers that need to bridge a gap
4. Borrowers with unusual and diverse income streams
5. The business owner looking to release equity
The property against which your loan is secured could be at risk if you do not meet
payments.
33. 6. Age restrictions
7. Those who don’t meet standard lending criteria
8. For property development, purchase and small scale
construction projects
9. To facilitate partnership break-ups
10. The existing business borrower that needs to refinance
The property against which your loan is secured could be at risk if you do not meet
payments.
34. Common-sense lending
• PURPOSE: Almost any business purpose
• AMOUNT: From £50k
• TERM: 6 months - 5 years
• RATES: 0.38% - 0.75% p.m. Fixed, interest-only
• LTV: Max 60% LTV (Market Value)
Fees and conditions apply
The property against which your loan is secured could be at risk if you do not meet
payments.
35. Paschoe House
Case Study
The property against which your loan is secured could be at risk if you do not meet
payments.
39. ABOUT THINCATS
Born in 2011, 2 men a dog and a barn in Tamworth
Dedicated to funding SME’s from £250k to £15m. Do the
deals the banks can’t do, not the ones they won’t do. Asset
backed / cashflow loans.
Over £450m to date and pipeline of c£180m. £112m last year
aiming for c£250m 2019!
Institutionally backed with £800m of lending capital
Proven, savvy and successful finance professionals with
decades of industry experience.
39
40. FUNDING INFORMATION REQUIREMENTS
40
Last 2 years annual accounts
Up to date management accounts – profit
and loss and balance sheet.
Month end aged debtor and creditor lists.
Should we progress with your proposal,
12/24 months projected figures – profit and
loss, balance sheet and cashflow forecast.
41. ASSESSMENT AND TIMEFRAMES
Meeting to understand your
business, plans and
requirements. Regional
Head of Credit to
accompany me on certain
sized deals.
Deal forum/audio: Business
Development Manager,
Regional Head of Credit
and Transaction Support
Analyst. You and your
advisor can also join us!
Positive appetite then issue
indicative terms within 48/72
hours.
Accept indicative terms,
issue timeline document and
proceed to loan drawdown,
typically up to 6-8 weeks.
41
42. PIONEERING
42
• Award winning data modelling – propensity to
borrow
• Doing the deals the banks can’t do, not won’t do
• Funding the deserving underserved – growth
businesses
43. PERSONAL
43
• Relationship driven, transactional
focus
• Dedicated Regional Head of Credit
and Credit Analyst.
• Deal Forums engaging you in the
process
• National team to support along the
way
44. PRAGMATIC
44
• Reflecting the individuality of every
business.
• Looking at each deal on its own
merits – it’s not all about the numbers
and metrics – the non financials are
very important too!
• Lending against assets and/or
cashflows
52. A new era of banking is here
Banking has moved from the high street to
online.
WHERE IS THE BANK MANAGER?
15,000 BANK BRANCHES CLOSED
IN THE LAST 15 YEARS 55,000 ESTIMATED BANK
MANAGERS ARE GONE
53. If the bank managers are gone and clients are seeking
help then who is there to help them?
OUR MISSION
Be the access point for financial services.
Be the new bank manager!
58. COMPARE SOLUTIONS OFFERS FROM 100+
INSTITUTIONAL LENDERS
4x more successful with an adviser
One search across the market:
Help compare, select and apply to lenders for your clients
MARKETPLACE FOR ACCOUNTANTS
✔ Short term finance
✔ Growth finance
✔ Refinancing
❖ Overdrafts
❖ Saving accounts
❖ Business banking
❖ Credit cards
ENQUIRY APPLICATION
59. Why: Funding in numbers
£25,000 £100,000 £500,000 £1,000,000
Revolving credit facilities
Merchant finance
Unsecured Business loans
Asset Finance
Secured Business loans
Invoice finance
£5,000,000+
60. Why: Some of the Capitalise lenders
Banks Independents Fintech
63. Open banking: Contenders
Open Banking is a brand new, secure way for
consumers including small businesses to share
information, allowing new and existing companies
to offer super-fast payment methods and
innovative banking products.
It has the power to revolutionise the way we
move, manage and make more of our money.
64. Open banking: Use cases
Business Use
● account consolidation
● credit scoring
● affordability and budgeting
● applications for credit
● accounting solutions
● Other cases
Personal Use
● personal finance management
● credit scoring
● account consolidation
● debt management tools