Financing
PKS Consultancy
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Overdraft
Loan – (Finance for Lending Scheme)
Invoice Finance
• Factoring
• Invoice Discounting
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Payroll Finance
Single Invoice Finance
Friends & Family
Private Equity
PKS Consultancy
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Launched August 2012 to provide £60bn to SMEs
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available to all customers who meet existing Commercial
credit policy and criteria – no separate eligibility checks
an ongoing 1% reduction in the interest rate over the full life
of the loan
available for new loans to both new and existing customers
includes both variable and fixed rate lending
loan terms from 1 year
minimum loan size of £1k (£25k for Commercial Mortgages),
compared to £25k for NLGS
the discount under the scheme is available until further
notice
standard arrangement fees apply
PKS Consultancy
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New Start
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Capability
Proposition
Investment
Ability to service borrowing
Business Plan & Projections
Security Available
PKS Consultancy
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Existing Business
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Retained Value
Track Record
Future Revenues
Profitability
Articulated plans
Managing of Risk
Contracts
Debtor Concentrations
Security Available
PKS Consultancy
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Anniversary Dates
Evergreen Facilities
Strength of Relationship
Renewal Fees
Security
Stick or Twist
PKS Consultancy
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Bank or Independent
Arrange a ‘beauty parade’
Provide a business profile plans and
forecasts
Set out expectations of the lender
Agree timescales for a decision
Notice period for existing lender
PKS Consultancy
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A responsive market
Professional approach
Clear proposals and indicative terms
Negotiation
Legal Contracts
Company and Personal Security
Arrangement Fees
Exit Fees
PKS Consultancy
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Period of the agreement
Facility review limit
Prepayment %
Debtor concentration
Export debt
Non utilisation (no borrowing for a period)
Debtor days
Dilution (credit notes, discounts given)
Net worth
PKS Consultancy
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A corporate debenture
A guarantee or indemnity
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Full
Limited
Fraud only
Supported
Legal advice
PKS Consultancy
Paul Saunders
PKS Consultancy
M:07515 376556
T:020 7223 4761
E:paulksaunders@gmail.com