Borrow From People, not banks

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connecting private lenders with business borrowers

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Borrow From People, not banks

  1. 1. Connecting private lenders with business borrowers
  2. 2. Online Network of Lenders <ul><li>Businesses cannot get money </li></ul><ul><li>High net worth individuals don’t know where to put it </li></ul><ul><li>So… </li></ul>
  3. 3. Borrow from people, not banks <ul><li>Match with trading businesses </li></ul><ul><li>Companies can support their loans </li></ul><ul><li>You decide the interest rate </li></ul>
  4. 4. The rules of lending… Criteria
  5. 5. Identity
  6. 6. Serviceability
  7. 7. What the banks are (not) doing
  8. 8. Hoarding Cash <ul><li>£37 billion in handouts from the taxpayer </li></ul><ul><li>Repair balance sheet </li></ul><ul><li>minimum liquidity </li></ul>
  9. 9. Suffering Sectors
  10. 10. Suffering Services
  11. 11. Other Options for Borrowing
  12. 12. Grants
  13. 13. Venture Capital
  14. 14. Business Angels Deliver £800 million a year to small businesses
  15. 15. Why do Angels Invest? Want to put something back… Tax breaks
  16. 16. Private lenders v Investors <ul><li>Startup failure rate </li></ul><ul><li>No need to be involved in the company </li></ul><ul><li>Income stream from day one </li></ul>
  17. 17. Trading business Trading businesses… … that can support a loan
  18. 18. <ul><li>Working capital need </li></ul><ul><li>No need to give up equity </li></ul><ul><li>Superior rate for the lender </li></ul><ul><li>Keep at arm’s length </li></ul>
  19. 19. <ul><li>Licensed credit broker </li></ul><ul><li>Work with business angels </li></ul><ul><li>Carnage in the broking community </li></ul><ul><li>Opportunities for high net worth lenders </li></ul>Who are we?
  20. 20. Benefits
  21. 21. Top-up funding <ul><li>… if the bank loan isn’t enough </li></ul>
  22. 22. Down to Business <ul><li>Qualify lenders </li></ul><ul><li>Qualify borrowers </li></ul><ul><li>Optimise proposals </li></ul><ul><li>Match lenders with borrowers </li></ul><ul><li>We want lenders to return </li></ul>
  23. 23. Business Plan – 4Ms The market
  24. 24. The Model
  25. 25. The Management
  26. 26. The Money “ conservative sales estimates”
  27. 29. Borrow from people not banks William Flatau +44 7973 263234 [email_address] http:// firstfunding.org

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