Sancus BMS Group is a profitable niche lending business operating different funding solutions in multiple jurisdictions. The document discusses Sancus' corporate structure and subsidiaries in various locations. It provides an overview of Sancus' loan book size, profits, and investors. Additionally, it outlines Sancus' journey since 2014 in developing new management, products, and risk processes to lead the alternative finance market.
Sancus Guernsey Breakfast Presentation November 17Amanda Overland
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Andrew Whelan (CEO, Sancus BMS) supporting slides for presentation of "The Future for Alternative Finance" at The Old Government House Hotel 16 November 2017.
Montello Real Estate Opportunity Fund Summary InfoMontello
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The Montello Real Estate Opportunity Fund is advised by Montello Capital Advisors Limited (âMontelloâ), part of the Montello group, which is one of the leading real estate financiers in the UK.
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.
Sancus Guernsey Breakfast Presentation November 17Amanda Overland
Â
Andrew Whelan (CEO, Sancus BMS) supporting slides for presentation of "The Future for Alternative Finance" at The Old Government House Hotel 16 November 2017.
Montello Real Estate Opportunity Fund Summary InfoMontello
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The Montello Real Estate Opportunity Fund is advised by Montello Capital Advisors Limited (âMontelloâ), part of the Montello group, which is one of the leading real estate financiers in the UK.
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.
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.
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.
Finance in the South West 2018 - Established (>2 Years) Session PKF Francis Clark
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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.
- 8.25% per annum or 8.75% per annum for a 3-year or 5-year investment
- Interest can be paid as an income or rolled up
- Automatic exit upon maturity, and no need to get involved.
- First floating charge over all of the Company assets, which are held by an FCA-authorised company acting as Trustee for the benefit of the investors.
- Available in any of the three wrappers: cash, ISA, and pension.
This is an opportunity to invest in 8.75% for 5 years debentures from an innovative loans company with a market capitalisation of ÂŁ10m. The company has a simple business model, lending through three wholly owned subsidiaries offering cash flow, finance and investments and bridging loans.
The company which is a Plc has been strategically formed to add value to the companies it supports. It is a team of business builders whose individual experience encompasses finance, operations, marketing, product development and sales. This enables the three subsidiaries to provide a personable and knowledgeable underwriting service that was described by an existing customer who simply said, âitâs like business banking used to be.â
The people behind the company are passionate about finance and enhancing UK business. Their objective is to help to bridge the corporate funding gap and stimulate the growth of UK business.
Subsidiary 1 - Cash flow loans are available to established UK limited and LLPs that are keen to grow facilitated through a secured flexible revolving credit facility as an alternative to a bank overdraft or business
loan. Credit lines are between ÂŁ10,000 and ÂŁ500,000 and operate in a similar way to a bank overdraft.
Subsidiary 2 - Finance loans and investments subsidiary takes an equity stake in the company in conjunction with longer-term loans, with repayments to suit the individual company profile.
Typically these companies will have demonstrated the ability to invest, grow and successfully manage their existing cash flow credit facility.
Subsidiary 3 - The bridging loans subsidiary specialises in providing funding to the commercial property sector. The funds are always 100% secured against real assets and supported by additional security. Funding solutions are between ÂŁ50,000 to ÂŁ500,000 and are only provided to experienced, solvent commercial borrowers. The company won the Client Choice Award for Best Commercial Property Lender Corporate Live Wire 2016 Financial Award.
The debentures on offer relate to the bridging loans subsidiary.
SIPP Pension & Investment Bond Fixed Return 9.85%Brian Boyd
Â
I would like to introduce you to the New launch of Privilege Wealth PLC SIPP Pension Bond and Investment Bond
: 9.85% Fixed Return
: Capital Insured up to 95% Shortfall Cover
: Capital Insured Against Cyber Crime
: Capital Insured Against a Wrongful Act
: Capital Secured on Loans made with step-in rights in the event of default
: Not Invested in the Volatile Stock Market
For Free Initial Advice contact Brian Boyd
Email brianboyd.thefinancialfactory@live.co.uk
Regards
Brian Boyd
Hedge Fund Association Cautions SEC on Impact of Raising Accredited Investor ...Mitch Ackles
Â
The Hedge Fund Association (âHFAâ), an international not-for-profit organization representing the interests of investors, hedge funds and service providers, has submitted a comment letter to the U.S. Securities and Exchange Commission (SEC) as the regulatory agency considers proposed changes to the definition of an âaccredited investorâ under Rule 501 of Regulation D.
Since early 2013 there has been increasing calls for North American regulators to democratize the way the public can access and purchase private equity deals via the Internet in a manner available in other parts of the world. In December 2013, Saskatchewan became the first Canadian province to adopt equity crowdfunding and this was followed by seven other provinces proposing equity crowdfunding models. These proposals open up new means for entrepreneurs to raise capital from the general public but also introduce new requirements for a). Issuers who wish to raise capital, b). Public investors and c). Portals that post the offerings. This seminar will provide a view of the challenges ahead and what an entrepreneur can do to run a successful campaign.
DSS Inc. (NYSE American: DSS) is a multinational company operating business segments in blockchain security, direct marketing, healthcare, consumer packaging, real estate, renewable energy, and securitized digital assets. Its business model is based on a distribution sharing system in which shareholders will receive shares in its subsidiaries as DSS strategically spins them out into IPOs. DSS is led by its seasoned leaders with decades of industry experience.
Crowdlending: The Investor Perspective WebinarLending Crowd
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Crowdlending is the fastest growing part of the crowdfunding marketplace and can offer good returns to investors who lend through the platforms. Our webinar was hosted on 12 August from 13:00 â 13:45 and discussed crowdlending as an investment vehicle.
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.
Investment Banking & Financial Corporate Brand & Identity // Linda C. ModicaLinda Modica
Â
Select brand and identity projects for a New York City-based consulting firm that specializes in structured finance, investment banking and investment management.
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.
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.
Finance in the South West 2018 - Established (>2 Years) Session PKF Francis Clark
Â
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.
- 8.25% per annum or 8.75% per annum for a 3-year or 5-year investment
- Interest can be paid as an income or rolled up
- Automatic exit upon maturity, and no need to get involved.
- First floating charge over all of the Company assets, which are held by an FCA-authorised company acting as Trustee for the benefit of the investors.
- Available in any of the three wrappers: cash, ISA, and pension.
This is an opportunity to invest in 8.75% for 5 years debentures from an innovative loans company with a market capitalisation of ÂŁ10m. The company has a simple business model, lending through three wholly owned subsidiaries offering cash flow, finance and investments and bridging loans.
The company which is a Plc has been strategically formed to add value to the companies it supports. It is a team of business builders whose individual experience encompasses finance, operations, marketing, product development and sales. This enables the three subsidiaries to provide a personable and knowledgeable underwriting service that was described by an existing customer who simply said, âitâs like business banking used to be.â
The people behind the company are passionate about finance and enhancing UK business. Their objective is to help to bridge the corporate funding gap and stimulate the growth of UK business.
Subsidiary 1 - Cash flow loans are available to established UK limited and LLPs that are keen to grow facilitated through a secured flexible revolving credit facility as an alternative to a bank overdraft or business
loan. Credit lines are between ÂŁ10,000 and ÂŁ500,000 and operate in a similar way to a bank overdraft.
Subsidiary 2 - Finance loans and investments subsidiary takes an equity stake in the company in conjunction with longer-term loans, with repayments to suit the individual company profile.
Typically these companies will have demonstrated the ability to invest, grow and successfully manage their existing cash flow credit facility.
Subsidiary 3 - The bridging loans subsidiary specialises in providing funding to the commercial property sector. The funds are always 100% secured against real assets and supported by additional security. Funding solutions are between ÂŁ50,000 to ÂŁ500,000 and are only provided to experienced, solvent commercial borrowers. The company won the Client Choice Award for Best Commercial Property Lender Corporate Live Wire 2016 Financial Award.
The debentures on offer relate to the bridging loans subsidiary.
SIPP Pension & Investment Bond Fixed Return 9.85%Brian Boyd
Â
I would like to introduce you to the New launch of Privilege Wealth PLC SIPP Pension Bond and Investment Bond
: 9.85% Fixed Return
: Capital Insured up to 95% Shortfall Cover
: Capital Insured Against Cyber Crime
: Capital Insured Against a Wrongful Act
: Capital Secured on Loans made with step-in rights in the event of default
: Not Invested in the Volatile Stock Market
For Free Initial Advice contact Brian Boyd
Email brianboyd.thefinancialfactory@live.co.uk
Regards
Brian Boyd
Hedge Fund Association Cautions SEC on Impact of Raising Accredited Investor ...Mitch Ackles
Â
The Hedge Fund Association (âHFAâ), an international not-for-profit organization representing the interests of investors, hedge funds and service providers, has submitted a comment letter to the U.S. Securities and Exchange Commission (SEC) as the regulatory agency considers proposed changes to the definition of an âaccredited investorâ under Rule 501 of Regulation D.
Since early 2013 there has been increasing calls for North American regulators to democratize the way the public can access and purchase private equity deals via the Internet in a manner available in other parts of the world. In December 2013, Saskatchewan became the first Canadian province to adopt equity crowdfunding and this was followed by seven other provinces proposing equity crowdfunding models. These proposals open up new means for entrepreneurs to raise capital from the general public but also introduce new requirements for a). Issuers who wish to raise capital, b). Public investors and c). Portals that post the offerings. This seminar will provide a view of the challenges ahead and what an entrepreneur can do to run a successful campaign.
DSS Inc. (NYSE American: DSS) is a multinational company operating business segments in blockchain security, direct marketing, healthcare, consumer packaging, real estate, renewable energy, and securitized digital assets. Its business model is based on a distribution sharing system in which shareholders will receive shares in its subsidiaries as DSS strategically spins them out into IPOs. DSS is led by its seasoned leaders with decades of industry experience.
Crowdlending: The Investor Perspective WebinarLending Crowd
Â
Crowdlending is the fastest growing part of the crowdfunding marketplace and can offer good returns to investors who lend through the platforms. Our webinar was hosted on 12 August from 13:00 â 13:45 and discussed crowdlending as an investment vehicle.
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.
Investment Banking & Financial Corporate Brand & Identity // Linda C. ModicaLinda Modica
Â
Select brand and identity projects for a New York City-based consulting firm that specializes in structured finance, investment banking and investment management.
MacNicol & Associates, a leading force in Asset Management Canada, is dedicated to safeguarding and maximizing client wealth through a strategic and disciplined approach to global investing. Our strategy's core is a disciplined approach designed to yield excellent returns while effectively managing risk. This approach, which revolves around our commitment to diversification, crucial to reducing a portfolio's exposure to the unpredictable political and economic factors inherent in any single country or a specific sector, coupled with a commitment to long-term growthâpositions MacNicol & Associates as a frontrunner in the field of Asset Management in Canada. So, if you're seeking expert Asset Management services in Canada, we are the premier choice to help you explore and identify the opportunities that align with your financial objectives.
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.
Welcome to this yearâs corporate finance review. There has been much speculation on the likely negative impact of Brexit and the US election on the deal market but has this materialised yet?
Download this brochure for a glimpse into our corporate finance transaction highlights over the last 12 months and meet the team!
https://www.brownejacobson.com/sectors-and-services/services/corporate-and-commercial/corporate-finance
Artemis Worldwide is a specialized management advisory
firm providing c-suite strategic consulting based in Stamford
CT. The firm advises institutional clients globally, including
leading asset managers, pension funds, payments companies,
private family offices and established companies mainly in the
financial services industry.
AIX Worldwide is a premier advisory, placement and
referral firm headquartered in Bermuda. The Firm serves as
a premium one-stop service provider for capital raises and
exchange listing activities. In addition, it offers clients access to
numerous global relationships that will connect them with
leading investors around the world and unique investment
opportunities.
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.
Our corporate team continues to have a strong focus on the private sector - maintaining and consolidating our position as a market leading provider of corporate services. We work with clients from various sectors including: retail, technology, financial services, insurance, food & drink and manufacturing.
https://www.brownejacobson.com/sectors-and-services/services/corporate-and-commercial/corporate-finance
MacNicol & Associates, a leading force in Asset Management Florida, is dedicated to safeguarding and maximizing client wealth through a strategic and disciplined approach to global investing. Our strategy's core is a disciplined approach designed to yield excellent returns while effectively managing risk. This approach, which revolves around our commitment to diversification, crucial to reducing a portfolio's exposure to the unpredictable political and economic factors inherent in any single country or a specific sector, coupled with a commitment to long-term growthâpositions MacNicol & Associates as a frontrunner in the field of Asset Management in Florida. So, if you're seeking expert Asset Management services in Florida, we are the premier choice to help you explore and identify the opportunities that align with your financial objectives.
Whitepaper: How to Secure Financing for a Start-up Using a Feasibility StudyRK Fischer & Associates
Â
For start-ups businesses, many lenders/investors do not need a full business plan for financing. It is very dependent on the lender/investor - but for our clients we get them to talk to their bank /investor before investing in a full business plan for many small business loans.
Francis Clark is delighted to present our 9th annual Finance in Cornwall event, which has become an integral part of âCornwall Business Weekâ.
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'.
A selection of deals from across the The Group.
A range of bridging and development loans, from ÂŁ250k to ÂŁ23m, with a "sweet spot" of ÂŁ1m to ÂŁ5m.
Also offering a range of asset backed funding opportunities for Sancus Co-Funders.
What to look for when comparing lenders when sourcing bridging and development finance. Richard Whitehouse writes for NACFB's February 2020 Commercial Broker magazine.
A selection of bridging finance, development finance and refinancing loans for property developers, construction specialists, corporates, trusts, family offices and HNWI.
Sancus BMS (Ireland) Launch Presentation January 2019Amanda Overland
Â
The Sancus Ireland launch at Stephen's Green Hibernian Club, Dublin on Wednesday January 16th.
Presentation by Andrew Whelan (CEO, Sancus Group), Michael Mooney (MD, Sancus Ireland) and Geoff Savage (Director of Lending, Sancus Ireland)
Jersey Private Wealth Report 2018 by Gibson StrategyAmanda Overland
Â
A report detailing the private wealth sector in Jersey.
Based on interviews of 82 Jersey based residents including private clients and private wealth professionals.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
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USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
Poonawalla Fincorp and IndusInd Bank Introduce New Co-Branded Credit Cardnickysharmasucks
Â
The unveiling of the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card marks a notable milestone in the Indian financial landscape, showcasing a successful partnership between two leading institutions, Poonawalla Fincorp and IndusInd Bank. This co-branded credit card not only offers users a plethora of benefits but also reflects a commitment to innovation and adaptation. With a focus on providing value-driven and customer-centric solutions, this launch represents more than just a new productâit signifies a step towards redefining the banking experience for millions. Promising convenience, rewards, and a touch of luxury in everyday financial transactions, this collaboration aims to cater to the evolving needs of customers and set new standards in the industry.
how to swap pi coins to foreign currency withdrawable.DOT TECH
Â
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Â
Pi coins is not launched yet in any exchange đą this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAYÂ you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers âĽď¸
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
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The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a âRoaring Twentiesâ? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. governmentâs aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
âIn order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,â says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
Empowering the Unbanked: The Vital Role of NBFCs in Promoting Financial Inclu...Vighnesh Shashtri
Â
In India, financial inclusion remains a critical challenge, with a significant portion of the population still unbanked. Non-Banking Financial Companies (NBFCs) have emerged as key players in bridging this gap by providing financial services to those often overlooked by traditional banking institutions. This article delves into how NBFCs are fostering financial inclusion and empowering the unbanked.
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
How to get verified on Coinbase Account?_.docxBuy bitget
Â
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
Exploring Abhay Bhutadaâs Views After Poonawalla Fincorpâs Collaboration With...beulahfernandes8
Â
The financial landscape in India has witnessed a significant development with the recent collaboration between Poonawalla Fincorp and IndusInd Bank.
The launch of the co-branded credit card, the IndusInd Bank Poonawalla Fincorp eLITE RuPay Platinum Credit Card, marks a major milestone for both entities.
This strategic move aims to redefine and elevate the banking experience for customers.
The secret way to sell pi coins effortlessly.DOT TECH
Â
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
The Evolution of Non-Banking Financial Companies (NBFCs) in India: Challenges...beulahfernandes8
Â
Role in Financial System
NBFCs are critical in bridging the financial inclusion gap.
They provide specialized financial services that cater to segments often neglected by traditional banks.
Economic Impact
NBFCs contribute significantly to India's GDP.
They support sectors like micro, small, and medium enterprises (MSMEs), housing finance, and personal loans.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Â
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Introduction to Indian Financial System ()Avanish Goel
Â
The financial system of a country is an important tool for economic development of the country, as it helps in creation of wealth by linking savings with investments.
It facilitates the flow of funds form the households (savers) to business firms (investors) to aid in wealth creation and development of both the parties
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
Â
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
⢠The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
⢠The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
⢠The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
⢠Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and assetâs value is determined by companyâs performance. There are two major types of equity securities: common stock and preferred stock.
ď Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the companyâs board of director or the business decisions to be made.
ď Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for companyâs growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
Turin Startup Ecosystem 2024 - Ricerca sulle Startup e il Sistema dell'Innov...Quotidiano Piemontese
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Turin Startup Ecosystem 2024
Una ricerca de il Club degli Investitori, in collaborazione con ToTeM Torino Tech Map e con il supporto della ESCP Business School e di Growth Capital
3. This document is confidential and should not be circulated without prior approval from Sancus BMS Group3 | 25/09/2017
Group Overview
*Excluding Sancus Finance (estimate)
Data source: Sancus Group as at 31/12/16
ÂŁ578m
Cumulative Loan Book
ÂŁ162m
Invoice Discounting
Supply Chain Financing
ÂŁ274m
Asset Backed Loans
ÂŁ142m
Business Loans
ÂŁ30m
Proprietary Capital
ÂŁ3m*
2016 Profits
Ireland Strategic Investment Fund
is an investor in
BMS Finance (Ireland) SARL
British Business Bank
Investments Ltd
is an investor in
BMS Finance (UK) SARL
ÂŁ152m
Live Loan Book
4. This document is confidential and should not be circulated without prior approval from Sancus BMS Group4 | 25/09/2017
A profitable niche lending business operating different funding solutions in multiple jurisdictions.
Corporate Structure
Sancus BMS Group
(Total staff 39*)
Jersey
Sancus (Jersey) Ltd
Company No. 113391
Guernsey
Sancus (Guernsey) Ltd
Company No. 58612
Gibraltar
Sancus (Gibraltar) Ltd
Company No. 112755
UK
Sancus Finance Ltd
Company No. 7485900
BMS Finance (UK) SARL
Company No. 06008835
Ireland
BMS Finance (Ireland)
SARL
Company No. 905187
Isle of Man**
Sancus (IOM) Ltd
Company No. 012528V
**Affiliate* as at 31/12/16
UK***
FundingKnight
Company No. 7534003
FCA Regulation No. Z2928012
*** Will become part of Sancus BMS Group from 30th June 2017
5. This document is confidential and should not be circulated without prior approval from Sancus BMS Group5 | 25/09/2017
⢠2014 saw the development of a new strategy designed to lead the market & the change that was required:
â New management team with a wealth of risk management and funding experience;
â Product innovation key to offer wider range of choice;
â Responsible lending at the core â credit risk over volume;
â Risk management processes.
⢠2015 saw the Sancus BMS Group formed â strength of parent
â ÂŁ5m preference share investment in Sancus Finance;
â Investment in Platform to improve the co-funder experience;
â Ongoing alignment to uniform group process/standards â Independent credit committee;
â Change of name/Group branding to increase profile and presence;
â Funding Knight more closely aligned to Sancus Finance â joint managing board - & achievement of FCA Authorisation.
⢠We understand & value personal relationships:
â Real people, working with real investors to support real businesses;
â Relationships are key & we deliver F2F, telephone, email or online communication channels;
â Technology is about making it easy to do business with us;
â Technology supports speedier delivery of funding solutions to our clients.
Sancus Finance â The Journey so far
6. 21st September 2017
The Evolution of Funding & the
impact on your funding opportunities
Facilitator - Andy Davies
7. This document is confidential and should not be circulated without prior approval from Sancus BMS Group7 | 25/09/2017
Your Panel Facilitator
Andy Davies is a UK-based writer on investment, finance and
business. He was previously a journalist on the Financial Times,
where he worked for 15 years and held a series of senior roles
including editor of FT Weekend.
Andyâs work appears in a range of financial publications and he is the
author of several research reports on non-bank finance for small
businesses, for organisations including Nesta, The CSFI and the
ACCA.
He is a contributor and investment columnist for Prospect, the monthly
current affairs magazine, and was named Personal Financial journalist
of the Year in the 2012 Wincott Awards.
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Your Panel
Caroline Langron, MD, Sancus Finance & Funding Knight
Caroline has over 35 yearsâ experience in the asset-based lending market and delivers a proven track record at a
senior level in risk environments. She has successfully built and managed robust teams and processes in this space,
consistently hitting performance targets and maintaining low default rates. Having worked for Barclays, Close Bros.
and Bibby Financial Services, Carolineâs experience spans the UK, Europe and America. During her time as a board
director at Bibby, she was responsible for establishing their invoice discounting business and building their successful
risk protocols.
Jake Wombwell-Povey, CEO, Goji
Prior to stepping up to launch Goji, Jake advised some of the largest UK P2P lending platforms whilst at a global
advisory firm. His experience includes corporate Finance (Public & Private ECM) as well as strategic and regulatory
reviews for some of the biggest names in financial services, wealth management and fintech including: Woodford
Investment Managementâs ÂŁ800m IPO of Woodford Patient Capital, the sale of Intelliflo to Hg, and the sale of
GoCompare.com to eSure.
Graham Martin, Chief Investment Officer, Bond Mason
Graham is an experienced lending professional who has held credit-focused positions at leading banks, including
HSBC, and alternative asset managers, including The Blackstone Group. Graham's buy-side experience ranges from
assessing SMEs to analysing listed global companies, and covers private and public loans, bonds, and derivatives.
More recently, Graham specialised in investing and trading leveraged loans and high-yield bonds across a number of
sectors.
10. 21st September 2017
Market Evolution & leading the
way in the AltFi world
Caroline Langron & Richard Whitehouse
11. This document is confidential and should not be circulated without prior approval from Sancus BMS Group11 | 25/09/2017
Your presenters
Caroline Langron, MD, Sancus Finance & Funding Knight
Caroline has over 35 yearsâ experience in the asset-based lending market and delivers a proven track record at a
senior level in risk environments. She has successfully built and managed robust teams and processes in this space,
consistently hitting performance targets and maintaining low default rates. Having worked for Barclays, Close Bros.
and Bibby Financial Services, Carolineâs experience spans the UK, Europe and America. During her time as a board
director at Bibby, she was responsible for establishing their invoice discounting business and building their successful
risk protocols.
Richard Whitehouse, Sales Director, Sancus Finance & Funding Knight
Richard has over 18 yearsâ experience in invoice finance, asset based lending, supply chain finance and trade
finance. His roles have included working at both independent and bank owned funders in the UK, Ireland and
Germany, including Aldermore Bank, AIB Plc, and Royal Bank of Scotland Invoice Finance.
He has been integral in developing and delivering sales at a strategic level and has a track record in achieving
performance objectives with a keen eye on returns. He has an excellent reputation in leadership roles within both
sales and relationship management.
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⢠The market & client expectations
⢠Delivering to clients and investors
⢠Generating opportunities for you
⢠Product Innovation at Sancus
⢠Working to protect our Funders
Agenda
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⢠Explosion of choice in the AltFi market;
⢠Businesses expect ready availability of finance with rapid, easy & standardised processes;
⢠Transactional activity but trust is at the core;
⢠Speed of decision making & efficient delivery of service.
The Market & Client expectations
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⢠Range of funding solutions which deliver:
â flexibility and ease of use;
â increased levels of working capital to support growth;
â supply chain protection;
â ability to benefit from early settlement discounts;
⢠Ability to deal with us, how they choose â relationship is seen as important as operating online;
⢠Efficient and rapid processes;
⢠Certainty of funding.
Delivering to clients
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⢠85% of origination is intermediary driven but we are focussed on expanding direct origination;
⢠Product innovation to drive greater demand;
⢠Marketing strategy focussed on:
â Online awareness, presence & social channel engagement;
â E-marketing campaigns to targeted businesses promoting specific solutions â Education & SCF;
â Events â Education sector;
â PR - focus on thought leadership content.
Originating opportunities for you
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Origination by Channel
Intermediaries Partners Direct
Brokers
Regional
Volume
Tech-led
Prof
Advisors
Accountantâs
Solicitors
National
firms
framework
Transaction
Led
PE / VC
Corp Fin
Debt
Advisory
Sector Specific
Influencers
Sector Focused
Advisors
Affinity Groups
NACFB
RHA
BUFDG
AoC
BMRA
Passive
Marketing
PR
Adverts
Digital
Active
Marketing
Telesales
Campaigns
Client
Rebuy
Referral
19. This document is confidential and should not be circulated without prior approval from Sancus BMS Group19 | 25/09/2017
ď§ Supply Chain Finance: Short term: 30 - 120 day funding
ď§ Education Finance: Short term: 30 - 120 day funding
ď§ Invoice Finance: Short term: 30 - 90 day funding
ď§ Property Finance: Medium Term: up to 2 years with potential to extend
What products and solutions do we offer?
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ď§ Credit insurance on buyer provides 90% protection to our Co-Funders with option for 100% cover;
ď§ Promissory note from Buyer;
ď§ Deed of undertaking;
ď§ Maximum Funding limit capped at insurance limit.
ď§ ÂŁ5m â ÂŁ100m turnover;
ď§ Fund up to 100% less discount of supplier invoice;
ď§ Credit risk lies with buyer;
ď§ Profitable trading;
ď§ No adverse credit history & taxes paid up to date.
Provision of working capital solution via early payment of clients suppliers:
Security:
Product Detail: Supply Chain Finance
Summary:
ďź ÂŁ24m credit insured approvals in 2017.
21. This document is confidential and should not be circulated without prior approval from Sancus BMS Group21 | 25/09/2017
Engineering business in the South of England
Case Study â Supply Chain Finance
⢠Needed to source working capital to support new projects in
continental Europe and the UK;
⢠Sancus provided £2m of working capital through a 90 day supply
chain finance programme;
⢠Extended days payable outstanding by 45 days;
⢠There was zero cost to our client who was able to gain a 3.5%
increase in gross margin;
⢠Sancus paid approved supplier invoices within 3 days of delivery to our client, allowing the client to negotiate 8%
early settlement discounts.
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⢠Personal or corporate guarantees where appropriate;
⢠Debentures where appropriate;
⢠Can be disclosed or confidential dependent on security and strength of client.
⢠Minimum turnover £1m;
⢠Up to 85% advance;
⢠Maximum funding line is capped at three times tangible net worth;
⢠No adverse credit and taxes paid up to date (or approved time to pay);
⢠Supporting credit rating on debtor and good audit paper-trail for invoice(s) to be funded.
Provision of working capital on a single or multiple of selected invoices:
;
Security:
Product Detail: Invoice Finance
Summary:
ďź ÂŁ1m of revolving credit lines approved in 2017;
ďź Following review in credit policy for product.
23. This document is confidential and should not be circulated without prior approval from Sancus BMS Group23 | 25/09/2017
Industrial coating business in the North of England
Case Study â Invoice Finance
⢠Annual turnover of £7m;
⢠Client had won 2 large contracts creating a need for an additional
ÂŁ750k working capital;
⢠Incumbent bank declined to support;
⢠Traditional invoice finance solutions required control over the whole
sales ledger and restricted the amount of funding available;
⢠Fees based on all turnover meant that traditional invoice line was too
expensive;
⢠Restricted funding from traditional invoice finance meant that company would not have sufficient funds to carry out
new contracts;
⢠Sancus Finance provided a £750k invoice finance line for the 2 new customers only;
⢠Company generated in excess of 10% contract values and they have now been invited to tender for additional
contracts, ensuring the companies continued growth.
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⢠Personal or corporate guarantees where appropriate;
⢠Debentures where appropriate;
⢠Can be disclosed or confidential dependent on security and strength of client.
⢠UK College or University;
⢠Up to 85% advance;
⢠Maximum Funding line is capped at three times tangible net worth;
⢠No adverse credit and taxes paid up to date (or approved time to pay);
⢠Supporting credit rating on debtor and good audit paper-trail for invoice(s) to be funded.
Advance payment against student loan body and skills funding agency payments:
;
Security:
Product Detail: Education Finance
Summary:
ďź ÂŁ12m of credit lines approved in 2017.
25. This document is confidential and should not be circulated without prior approval from Sancus BMS Group25 | 25/09/2017
Further Education College in Northwest England
Case Study â Education Finance
⢠Annual turnover of £25m;
⢠Requirement to invest in infrastructure and facilities to attract students
whilst dealing with Government funding cuts and demand to offer
apprenticeships which placed a strain on cash reserves;
⢠Short term bank loans in place but with Government payments
changing, they needed an additional source of funding to complement
existing banking lines;
⢠Sancus Finance provided a £800k Education Finance facility;
⢠With funds in place our client are pressing ahead with plans to merge with another local college to increase size and
range of courses and facilities on offer.
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⢠1st charge;
⢠Plus mixture of debenture, share charge, personal guarantees and corporate guarantees as appropriate.
⢠LLP, Ltd, PLC,SPV and trading offshore trusts;
⢠Up to 75% LTV;
⢠âSkin in the gameâ from borrower;
⢠Commercial and residential developments- caveat not main residence;
⢠Minimum term 3 months, up to 2 years.
Finance for development, bridging and purchase:
Security:
Product Detail: Property Finance
Summary:
⢠£40m loans approved since April;
⢠Healthy pipeline.
27. This document is confidential and should not be circulated without prior approval from Sancus BMS Group27 | 25/09/2017
Isle of Man/UK Company
Case Study â Asset Backed Loan
⢠Purpose of loan: to refinance existing borrowing;
⢠Loan value £3.1m;
⢠Funding: Sancus with a syndicate of Co-Funders;
⢠Borrowerâs Interest Rate: 11%;
⢠Co-Funderâs Interest Rate: 9%;
⢠Interest Serviced: Quarterly;
⢠Term: 12 months;
⢠Security value: £5.01m;
⢠Security: first legal charge over 3 UK commercial properties, and debentures from both borrowers;
⢠Repayment strategy: sale of two properties and refinancing of the residual debt;
⢠Completion: Mid August 2017;
⢠Fees: Commitment fee 0.50% & Arrangement fee 1.50%;
⢠All legal fees paid by borrower.
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⢠Invoice Discounting funding : We underwrite the first 10% of your capital loss;
⢠Uninsured Supply Chain funding : We underwrite the first 10% of your capital loss;
⢠Insured Supply Chain funding : The first 90% of your capital loss is covered by credit insurance;
⢠Enhanced Protection - NEW : Co Funders can choose to have 100% capital advance protection on
Supply Chain Finance â Launch date to be announced shortly.
How can we offer this?
⢠Supply Chain Finance credit insurance policy with QBE Insurance (Europe) Ltd;
⢠GLI Finance Plc commitment â Stand by facility agreement to support 10% protection policy;
⢠Enhanced protection 100% - Small reduction in return to Funders - peace of mind;
⢠We participate in every trade and âdieâ first.
Sancus â Co Funder protection policy
30. This document is confidential and should not be circulated without prior approval from Sancus BMS Group30 | 25/09/2017
Credit insurance is provided on Supply Chain Finance products only:
Credit insurance
⢠QBE Insurance (Europe) Ltd (09175130) - A+ Rating;
⢠90% on approved Supply Chain finance limits;
⢠Covers insolvency and protracted default;
⢠Maximum policy liability GBP 4,000,000;
⢠Premium paid by Sancus Finance Ltd.
Note: All security including Credit insurance benefit is held in our security trustee company âBelvedere Security Ltdâ which
is a wholly owned subsidiary of Sancus Finance Ltd.
31. This document is confidential and should not be circulated without prior approval from Sancus BMS Group31 | 25/09/2017
⢠Virtual trust account with Barclays for each Co-Funder and client;
⢠All monies move through trust accounts;
⢠All accounts balanced daily to Platform funder account;
⢠Ring fenced and segregated from corporate monies with HSBC;
⢠Flow charts available to demonstrate process.
Co Funder monies â Protection
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The Credit Experience
Experience:
⢠200 years combined credit experience;
⢠Speed and certainty of execution;
⢠Common sense;
⢠Ability to review complex scenarios.
Pre-Fund:
⢠Site visits where appropriate;
⢠Credit searches;
⢠Taxes verification;
⢠Financial review;
⢠Verification where appropriate;
⢠Sector checks.
Requirements:
⢠Ability to service debt;
⢠Good history;
⢠Reporting ability;
⢠Good paperwork;
⢠Strong moral fibre.
Ongoing:
⢠Monitor credit agencies;
⢠Periodic update on taxes;
⢠Financial updates;
⢠Site visits where appropriate;
⢠Verification where appropriate.
33. This document is confidential and should not be circulated without prior approval from Sancus BMS Group33 | 25/09/2017
Defaults â Sancus Finance
⢠January 2015 - New credit team and processes
⢠January 2016 - Sancus BMS Group becomes majority
shareholder
⢠March 2016 - New product focus - Supply Chain
Finance and Education
⢠September 2016 - Credit insurance policy on Supply
Chain product
Business model â Key event changes
Defaults and Recoveries
Year Default (%) Recovered (%) Crystallised Loss (%)
2017 1.05% 0.38% 0.03%
2016 1.31% 4.59% 1.25%
2015 0.21% 6.95% 0.20%
2014 6.72% 17.96% 5.51%
2013 4.45% 47.43% 2.34%
2012 0.00% 0.00% 0.00%
Lifetime 3.15% 23.14% 2.29%
Sancus Majority Shareholding
34. This document is confidential and should not be circulated without prior approval from Sancus BMS Group34 | 25/09/2017
Current Average Funder returns
⢠90% Insured Supply Chain 6% per annum assuming fully deployed
⢠Education Finance 6% per annum assuming fully deployed
⢠100% protection Supply Chain* 4% per annum assuming fully deployed
⢠Invoice Finance with 10% protection 8% per annum assuming fully deployed
⢠Property Finance 8% per annum assuming fully deployed
ďź Other than 100% protection* on Supply Chain Finance, returns are gross of defaults;
ďź All returns are shown annually based on full deployment;
ďź We do not charge funder fees;
ďź Higher rates than the above will occasionally be offered commensurate with risk;
ďź All rates are subject to change but would be notified at time of opportunity.
*Launch date to be announced
36. This document is confidential and should not be circulated without prior approval from Sancus BMS Group36 | 25/09/2017
⢠Experienced credit team â 200 years of credit experience;
⢠Sancus Protection policy â underwrite first 10% of capital loss/credit insurance/100% protection;
⢠We participate in every deal and âdieâ first;
⢠Average net returns range from 4% to 8% on terms from 30 days to 24 months;
⢠Ability to obtain blended return and liquidity across many products;
⢠Short term liquidity options available on Supply Chain, Education and Invoice Financing;
⢠Auto deploy or self administer;
⢠State of the art platform.
Why Fund with Sancus?
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Important Information and Disclaimer
Legal Disclaimer (page 1 of 2)
This Presentation (this "Document") relates to Sancus BMS Group Limited (the "Company") and its subsidiaries (the "Group") and has been delivered to you (a "recipient") for
information only. This Document does not constitute an offer or invitation to subscribe for shares or other securities issued by the Group, is not capable of acceptance by any recipient
and shall not form the basis of any contract or other arrangement between any member of the Group (or any other person) and any recipient (in any jurisdiction). Without prejudice to
the generality of the foregoing, the issue of this Document shall not be deemed to be any form of commitment on the part of the Company (or any other person) to proceed with any
investment.
The information in this Document, which does not purport to be comprehensive, has been provided by the Company and has not been independently verified.
Whilst this Document has been prepared in good faith, no representation, warranty or undertaking, express or implied, is or will be made, and no responsibility or liability is or will be
accepted by the Company or by any of its officers, employees, agents or advisers, in relation to the accuracy or completeness of this Document, the information contained in this
Document or any other written or oral information made available to any interested party or its advisers in connection with this Document, and any such liability is expressly disclaimed.
In particular, but without prejudice to the generality of the foregoing, no representation, warranty or undertaking is given as to the achievement or reasonableness of any future
projections, management estimates, prospects or returns contained in this Document or in such other written or oral information. Each recipient acknowledges and agrees by
accepting this Document that no person has, nor is held out as having, any authority to give any statement, warranty, representation, or undertaking on behalf of the Company. The
foregoing provisions of this paragraph shall not limit the liability of any person in respect of fraud or otherwise as prohibited by applicable laws.
The Company gives no undertaking to provide any recipient with access to any additional information or to update this Document or any additional information, or to correct any
inaccuracies in it which may become apparent.
Any recipient of this Document should note that this Document does not constitute an offer to the public to subscribe for securities in any member of the Group and has not therefore
been approved by any regulatory authority anywhere in the world.
Sancus (Guernsey) Limited is a non-regulated financial services business under the Registration of Non-Regulated Financial Services Businesses (Bailiwick of Guernsey) Law, 2008
as amended by the Registration of Non-Regulated Financial Services Businesses (Bailiwick of Guernsey) Law, 2008 (Amendment) Ordinance, 2008. This law has no effect on the
conduct of business of Sancus (Guernsey) Limited except for the requirement to carry out certain measures in connection with anti-money laundering and combating the financing of
terrorism measures in accordance with the guidance issued by the Guernsey Financial Services Commission from time to time. Sancus (Guernsey) Limited is also registered with the
Guernsey Data Protection Commissioner under the Data Protection (Bailiwick of Guernsey) Law 2001.
40. This document is confidential and should only be circulated with prior approval from Sancus BMS Group.40 | 25/09/2017
Important Information and Disclaimer
Legal Disclaimer (page 2 of 2)
Sancus (Jersey) Limited is registered with the Jersey Financial Services Commission under the Proceeds of Crime (Supervisory Bodies) (Jersey) Law 2008 to carry out the business
of providing lending services, including consumer credit, mortgage credit, factoring (with or without recourse) and financing of commercial transactions (including forfeiting). As a
result of this registration Sancus (Jersey) Limited is required to comply with certain procedures to prevent and detect money laundering in accordance with the guidance issued by
the Jersey Financial Services Commission from time to time. Sancus (Jersey) Limited is also registered with the Jersey Office of the Information Commissioner under the Data
Protection (Jersey) Law 2005.
Sancus Finance Limited and Sancus BMS Group Limited are not regulated by the United Kingdom Financial Conduct Authority or by the Central Bank of Ireland.
Sancus (IOM) Limited holds a Moneylending Licence issued by the Isle of Man Office of Fair Trading under the Moneylenders Act 1991, which regulates private lending in the Isle of
Man. Sancus (IOM) Limited is also registered with the Isle of Man Information Commissioner under the Isle of Man Data Protection Act 2002.
Sancus (Gibraltar) Limited holds a Moneylender's Licence issued by the Gibraltar Financial Services Commission under the Financial Services (Moneylending) Act 1917, which,
together with the Moneylending Rules 1917 regulates private lending in Gibraltar. Sancus (Gibraltar) Limited is also registered with the Gibraltar Data Protection Commissioner under
the Gibraltar Data Protection Act 2004.
Funding Knight is a wholly owned subsidiary of GLI Finance and is authorised and has been granted an interim licence by the Financial Conduct Authority under the Financial
Services and Markets Act 2000 of the United Kingdom and registered with the Information Commissioner's Office under the Data Protection Act 1998.
Editor's Notes
FundingKnight - FCA Authorised July 2017, currently managed within Sancus Finance, to be brought into the Sancus BMS Group 2018