MarketInvoice's Head of Partnerships Ari Last talks about the types of alternative finance available to businesses and why we've integrated with Xero cloud accounting software.

1. Alternative finance for
businesses

2. Ari Last
Head of
Partnerships

3. Agenda
• Accountants as business advisers
• Getting finance for businesses
• Introducing alternative finance
• A look at MarketInvoice
• Why we’ve partnered with Xero
• Questions

4. Accountants are one of the most
trusted sources of external advice
for small business owners

5. Tools like Xero are helping Accountants take
more time over client relationships and
business advice

6. “Recommend that the
customer gets
independent advice”
“Allow customers to
bring their professional
adviser with them”

7. Many MDs, and even FDs, are too
focused on the day-to-day running of
the business to keep on top of finance
options.

9. Confidence is low
“The banks aren’t
lending”

10. The internet has enabled a new breed of
finance options to emerge

11. • Traditional term loans
• Better rates for lenders,
better rates for borrowers
• Using ‘retail investors’
• Requiring a debenture and
personal guarantee

12. • For start up businesses
• Either giving away equity or
‘gifts’
• Funded by both retail and
sophisticated investors
• A way of bypassing Angel and
early stage VC rounds, or more
often a way of preparing for an
institutional funding round

13. • A working capital solution – disrupting traditional invoice
finance
• B2B companies supplying at least some large customers
• No collateral required other than the invoice
• Making invoice finance a more mainstream funding option

14. MarketInvoice is Europe’s
first peer-to-peer lender for
businesses with outstanding
invoices.

15. Volume funded through MarketInvoice
• £240m funded in total
• £40m of Government money
• Biggest peer-to-peer by monthly
volume in Europe
£1.9m
£5.8m
£11.3m
£8.1m £9.0m
£6.1m
£10.3m
£19.1m
£31.4m
£42.6m
£49.2m
£70.0m
Q4 '11 Q1 '12 Q2 '12 Q3 '12 Q4 '12 Q1 '13 Q2 '13 Q3 '13 Q4 '13 Q1 '14 Q2 '14 Q3 '14 (F)

16. Pay-as-you-go
We’re flexible. Instead of selling your whole debtor book,
trade invoices only as and when you need finance.
We're quick and hassle free
Apply online in just 15 minutes- 90% of submitted
applications are accepted onto MarketInvoice. Receive
funds within 24 hours.
No personal guarantees
We don’t take debentures or personal guarantees, and
won’t ask you to sign up to a lengthy contract.

17. Meet one client:
CADA Design
”Cost effective, swift
and efficient...
...the service received
over the past two years
has been first class”

18. “Who can use MarketInvoice?”
Businesses with revenues between
£100k and £50m+
Single invoices between £5k and £1m+
Supplying large corporate customers
(~£50m in revenues or Government
and public bodies)

19. How it works

20. Quicker applications
Easier to trade invoices
“Three clicks to finance”
“Why Xero?”
https://p.marketinvoice.com/sellerapplication/signup/

21. Sign up to
receive our
comprehensive
guide to
Alternative
Finance on 19th
September

22. Any questions?