Your partner in small business financing

Size: px
Start display at page:

Download "Your partner in small business financing"

Transcription

1 Your partner in small business financing Australia s leading online lender to small business, and first choice partner for brokers and intermediaries 1

2

3 The digital revolution is changing how small business owners access funding Access to finance is one of the biggest challenges facing small businesses in Australia. But now fintech - the intersection of finance and technology - is transforming the industry, and making it easier for these businesses to get the funding they need to grow. More than a financier, Prospa is a fintech, building real partnerships that help intermediaries grow strong income streams. We are the leading online lender in Australia, and our success has been widely recognised: Over $350 million in business loans 1 Trusted by over 10,000 businesses¹ Winner, Leaders of the Year, and Best Fintech Place to Work, Fintech Australia FINNIES 2017 Lending Innovator of the Year, Fintech Business Awards 2017 Awarded #1 Smart Company in Australia, 2016 Ranked #31 in the world and first in Australia, KPMG Fintech100 Global Innovators 2016 Finalist, Telstra Business Awards, Best Medium Business 2016, Best Start-up 2015 Winner Deloitte Tech Fast50, 2015 No one knows small business lending better than we do. And no one has more channel experience. We ll help you find customers, connect them to the funding they need, and create a revenue stream that you can scale quickly. Matt Bauld General Manager of Sales and Business Development, Prospa F I NT E CH AWA RDS ¹ May 2017 WINNER 3

4 A huge problem for small business owners is a huge opportunity for you 20% 40% 90% of small business owners need cash flow finance at least once a year report short-term cash flow as the most common reason for seeking finance of small business failures are due to poor cash flow The small business market has long been starved of the ability to access unsecured funding. Research by ASIC shows the biggest problem for small business owners is access to finance either to seize an opportunity or manage cash flow. Potential customers come from many different industries but have two things in common: They need working capital quickly Traditional funding sources are too challenging or require security Sources: ABS data 2010, ASIC

5 $20 billion Estimated value of the small business financing market in Australia within five years Prospa has taken the problem of access to finance for small business, and solved it. We re a fintech company, using technology to transform the way small business owners experience finance. It s difficult to imagine a world without the internet or mobile devices. People now expect instant access to everything via their phone, including money. Technology enables us to deliver faster, easier access to funding where and when people want it. This digital revolution is disrupting the traditional financial services industry, and the pace of change is accelerating. At Prospa, we believe that Australia s small business finance market will reach a value of A$20 billion within five years. It s an exciting time to be part of the industry Prospa is developing new products for brokers to distribute, and business owners need help to understand their options. You re already a trusted advisor to small business owners. Partner with Prospa to connect customers to the funding they need, 24 hours a day, 7 days a week. 5

6 When you re growing a business you need money for different areas of growth as you progress. I had been given so many opportunities I had to say no to because I couldn t afford to supply the stock and wait for the account to be paid. I was talking to the gentlemen who organised my car finance, and he suggested Prospa. So I applied and it was the very next day when a Prospa representative called me and said: I ve got good news for you, you ve got your money! How good is that! Nyoli Scobie, Owner Truly Tea, Byron Bay, NSW See more at prospa.com/success-stories/truly-tea 6

7 Why choose Prospa? What sets us apart is the depth of our experience. Over four years ago, we were the first online lender to start working with referral partners. Now our partner program is the market leader - backed by the strength of our award-winning brand, and our expertise as the leading online lender to small businesses in Australia. We re committed to changing the finance experience for your customers. We understand that for small business owners, access to finance has the potential to build a business and realise a dream. We re committed to helping you find and win new customers and build success in your own business. True partnership Innovative technology We re a fintech Our referral partners are a significant part of our success We provide you with smart tools, resources and education We ll continue to develop technology that provides value to customers Fast, easy and hassle free From application to money in the bank in as little as one hour Happy customers We re committed to world-class service and our NPS is +77 Quality you can trust Our success has been recognised in Australia and globally 7

8 Build your business with us We re the market-leading partner in small business financing. We work with thousands of partners from large corporations and industry associations through to small independent finance brokers and we re on the panel of Australia s leading aggregators. Whether you re a broker, accountant, affiliate partner or somewhere in between, we value every partnership as a long-term relationship. We bring flexibility to meet your needs and make sure you have the best support and experience. We work with trusted Australian brands who share our values of putting the customer first, including Westpac, NRMA Insurance, Reckon and Xero. Types of partnership Referral Partners For brokers, accountants, and other small business advisors and intermediaries Affiliate Partners For media networks, online lead generators and other website owners Association Partners For industry associations, chambers and other network groups Enterprise Partners For large companies and banks 8

9 Your pathway to success We re with you every step of the way. Step 1 Become a partner Prospa provides Market leadership Dedicated BDM support Customised training Step 2 Reach more customers Online marketing platform (PUMP) Online lead capture tools Advice and experience Step 3 Do business 24/7 Quick easy online applications your customers can complete any time of the day or night Fast approvals and funding Step 4 Make Prospa your back office World-class backend operation 95% of customers contacted within 5 minutes NPS of +77, customer satisfaction over 90% Step 5 Build a scalable income stream 80% of new customers return Ongoing education to help you keep building your business + 9

10 Businesses we support Prospa provides business loans across a wide range of industries including: Accounting Arts & Lifestyle Building and Trade Financial Services Insurance Hair and Beauty Health Hospitality Legal Manufacturing Primary Industry Professional Services Retail Transport Wholesaling Prospa understands small businesses and the specific industries you target. Your expertise, combined with our small business tools and support, makes for a powerful partnership. Typical loan uses Hire staff Invest in new equipment Acquire tools or machinery Run marketing campaigns and initiatives Build a new website Expand or renovate commercial premises Update technology Purchase stock or inventory Manage cash flow Meet BAS or ATO obligations 10

11 Scenarios Professional Services Background An accountant wanted to buy his retiring partner s share of their business. He could raise most of the purchase price but needed additional funds. No company finance facility references were available. Electrical Services Background A mid-sized electrical business was having difficulty making wages and paying suppliers due to late payment of invoices. They were unable to obtain a debtor facility because their clients were mainly consumer, not business. Solution Prospa recognised committed revenue from existing clients and provided unsecured finance of $70,000 over 10 months with weekly repayments. The transaction was successfully completed. Solution Prospa funded $25,000 over 6 months with weekly repayments, with the customer approved for an additional $10,000 if required. The business was able to pay staff on time and secure an early payment discount from suppliers. Cafe Background A café wanted to renovate existing premises to create additional capacity, and install new signage. The owners did not have property to offer as security. Solution Prospa provided $12,000 over 12 months with daily repayments. The business grew rapidly and turnover increased by 25% over the loan term, with plans to open a second location in the coming year. Retailer Background A homewares store needed to pay for extra stock for Christmas trading in advance to maximise revenue opportunities. They had an ATO debt under arrangement, so no traditional funding was available. Solution The customer had existing capability to support loan repayments, so Prospa was able to provide $30,000 over 5 months with daily repayments. Bulk stock was secured at a 40% discount and some of the funds were used for promotion, generating ROI of 13%. 11

12 12

13 The Prospa product enables us to fill a void for customers who don t have equity in real estate Prior to Prospa we d just turn those customers away. But now we ve got a solution for them. When I was told about PUMP*, I thought it was really, really incredible that a finance company would provide these sorts of tools for brokers... and the day we started using it applications started flowing through. Paul, Prospa Partner VIC *Prospa Uplift Marketing Portal (PUMP) is our free online marketing tool exclusively designed for our valued partners. 13

14 Prospa small business loans Features Security Term No asset security required 3-24 months Amount $5,000 - $250,000 Rate From 1% per month (factor rate) Benefits Cash flow friendly repayments Total repayment detailed upfront No penalties for early repayments No application fee Minimum lending criteria Requirement Loans over $50,000 for loans of $50,000 or less Trading for 6+ months (or bought an existing business 3+ months ago) $5,000 / month turnover Driver s licence ABN 3 months bank statements Financial statements i.e. P&L, aged payables and receivables Our product works where traditional lenders are unable to help Traditional funding Equipment asset finance Factoring Bank loan Second mortgage Overdraft Customer challenge Need help with deposit, or ineligible asset security No invoice, or cannot get debtors approved Customer doesn t own property, or doesn t wish to use family home as security Customer LVR is too high Customer can t provide security, or has reached limit 14

15 15

16 Strong commission program Prospa pays you for every settlement you introduce. Our commission program is market-leading, and because 80% of new customers return, you can earn ongoing revenue stream from a single referral. You can earn up to 14% commission over a threeyear period on a single introduction. Factor rate 1.3 or greater 1.25 to <1.249 New 4% 3% 2% Repeat 2% 1.5% 1% Note: Commissions are based on the factor rate and include GST. Factor rates vary depending on the term of the loan and the customer credit quality. New and repeat commissions are paid within 5 days of the customer being funded. If the customer applied directly to Prospa for a repeat loan, commissions are paid to introducing partner. We recognise your success We place a high value on building real partnerships. To reward outstanding performance and share strategies for success, we run annual conferences in exotic international locations. We also offer seasonal promotional campaigns. Your BDM will help you develop a plan for your business to succeed. Prospa Partner Conference, Bali 2016 Prospa Partner Conference, Fiji 2015 Prospa Partner Conference, Fiji 2015

17 Create an ongoing revenue stream from a single referral 80% 90% +77 of new customers repeat with us, typically up to 3 times is our customer satisfaction level is our average Net Promoter Score* *Net Promoter Score (NPS) is a measure of the performance of a business through its customers eyes, and is simply the percentage of promoters minus the percentage of detractors. 17

18 Typically they re businesses who have got quite a healthy strong turnover, and they need the funds really quickly to complete a project, win a contract, or get through a certain period. But they don t want to borrow against their home. Of all of the finance that we provide, Prospa provides the most simple process for us as brokers to be able to get from A to Z. The customers are happy and satisfied with Prospa. And we still maintain that relationship by coming up with the ideal solution that helped that customer. Glen, Prospa Partner, WA 18

19

20 Partner with Prospa Since 2011, we ve lent over $350m 1 to thousands of Australian small businesses, and have a customer satisfaction rate of over 90%. In May 2017, we were crowned Leaders of the Year and Best Fintech Place to Work by industry body Fintech Australia. In February 2017, we were awarded Lending Innovator of the Year Award in the FinTech Business Awards. We re also the #1 Smart Company in Australia for 2016 and were the fastest growing technology company in Australia for 2015 winning Deloitte s Tech Fast50 and 6th fastest in We re a 2016 and 2015 Telstra Business Awards finalist and ranked 31st in the world as an innovator and first in Australia in KPMG s FinTech100. We hold an Australian Credit Licence: no issued by ASIC. Register now CALL VISIT prospa.com/partner F I NT E CH AWA RDS WINNER ¹ May 2017

MYOB Business Monitor. November The voice of Australia s business owners. myob.com.au

MYOB Business Monitor. November The voice of Australia s business owners. myob.com.au MYOB Business Monitor The voice of Australia s business owners November 2009 myob.com.au Quick Link Summary Over half of Australia s business owners expect the economy to begin to improve over the next

More information

For personal use only

For personal use only ASX Release Tuesday 18 th October LiveHire Quarterly Activity Report ending 30 September 2016 It is incredibly exciting to see the positive impact and value the LiveHire technology is having on both companies

More information

BRW Fast 100 and Fast Starters entries close on Friday September 25, 2015.

BRW Fast 100 and Fast Starters entries close on Friday September 25, 2015. Entries are open! Thank you for your interest in entering the 2015 BRW Fast 100 or Fast Starters! Prior to filling in your entry form online, please confirm that your company meets ALL below. A summary

More information

Business Summary. Funding growing UK Businesses. Issued October 2015

Business Summary. Funding growing UK Businesses. Issued October 2015 Business Summary Issued October 2015 The Just Loans Group PLC is moving forward and has entered the alternative FinTech sector helping to bridge the funding gap that has restricted the progress of UK businesses.

More information

BDC s Annual Public Meeting September 7, Remarks by Sam Duboc, Chairperson of the Board, BDC, and Michael Denham, President and CEO, BDC

BDC s Annual Public Meeting September 7, Remarks by Sam Duboc, Chairperson of the Board, BDC, and Michael Denham, President and CEO, BDC BDC s Annual Public Meeting September 7, 2017 Remarks by Sam Duboc, Chairperson of the Board, BDC, and Michael Denham, President and CEO, BDC CHECK AGAINST DELIVERY Sam Duboc, Chairperson of the Board,

More information

Entrepreneurs Programme - Supply Chain Facilitation

Entrepreneurs Programme - Supply Chain Facilitation Entrepreneurs Programme - Supply Chain Facilitation Version: 2 February 2016 Contents 1 Purpose of this guide... 4 2 Programme overview... 4 2.1 Business Management overview... 4 2.2 Supply Chain Facilitation

More information

THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2016

THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2016 THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY GENERAL REPORT FOR AUSTRALIA, CHINA, HONG KONG, INDONESIA, MALAYSIA, NEW ZEALAND, SINGAPORE AND VIETNAM Legal notice CPA Australia Ltd ( CPA Australia

More information

Business Development Grants & Funding Options David Hinshelwood

Business Development Grants & Funding Options David Hinshelwood Business Development Grants & Funding Options David Hinshelwood Objective Timetable Alarms Toilets Objective To consider loan funding options for your business. Grant options Presenting successful applications

More information

COOKIE DOUGH FUNDRAISER!

COOKIE DOUGH FUNDRAISER! COOKIE DOUGH FUNDRAISER! ORDER FORM DRIVE FOR TERM 1 FREE FREIGHT AND FREE BUNNY COOKIE CUTTERS. QUICK AND EASY FUNDRAISER Fundraising trends come and go, but the most reliable fundraiser in the past decade

More information

A leader in public sector recruitment and resourcing services

A leader in public sector recruitment and resourcing services WMJobs We Manage Jobs Your Public Sector Job Site A leader in public sector recruitment and resourcing services CUTTING CUTTING EDGE EDGE JOBS BOARD BOARD PSYCHOMETRIC TESTING CAREER MICROSITES DBS CHECKS

More information

A RECRUITER S SOCIAL RECRUITING SURVIVAL GUIDE MASTER THE SOCIAL ARENA icims Inc. All Rights Reserved.

A RECRUITER S SOCIAL RECRUITING SURVIVAL GUIDE MASTER THE SOCIAL ARENA icims Inc. All Rights Reserved. A RECRUITER S SOCIAL RECRUITING SURVIVAL GUIDE MASTER THE SOCIAL ARENA Social Recruiting Defined Social recruiting is when companies and recruiters use social platforms to source and recruit candidates

More information

Supported by: REPORT ON. April 2017 Sim Chankiriroth, ACCA, CPA, ACMA, CGMA. Financial Technology (FinTech) in Cambodia

Supported by: REPORT ON. April 2017 Sim Chankiriroth, ACCA, CPA, ACMA, CGMA. Financial Technology (FinTech) in Cambodia Supported by: REPORT ON Financial Technology (FinTech) in Cambodia April 2017 Sim Chankiriroth, ACCA, CPA, ACMA, CGMA Financial Technology (FinTech) in Cambodia Setting the scene The term FinTech is a

More information

How Fintech is Shaping China s Financial Services?

How Fintech is Shaping China s Financial Services? How Fintech is Shaping China s Financial Services? www.pwchk.com/ceq How Fintech is Shaping China s Financial Services With the new round of technological and industrial revolutions progressing in the

More information

Hong Kong has been an important part of our history since the early 1900s and will continue to be a focus of our work moving forward.

Hong Kong has been an important part of our history since the early 1900s and will continue to be a focus of our work moving forward. Hello, Hong Kong Citi s mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress. We have 200 years of experience helping

More information

FREQUENTLY ASKED QUESTIONS

FREQUENTLY ASKED QUESTIONS FREQUENTLY ASKED QUESTIONS V2.1 www.madmex.com.au/franchise Mad mex fresh mexican grill 1 CONTENTS 1. Why Mad Mex? 3 2. What are people saying about Mad Mex? 3 3. What Are The Ideal Attributes of a Mad

More information

2018 NSW Business Awards. Category Questions

2018 NSW Business Awards. Category Questions 2018 NSW Business Awards Category Questions 2018 Business Awards The NSW Business Chamber Business Awards provides an exceptional opportunity to recognise and reward amazing businesses whose passion, determination

More information

Introduction to crowdfunding

Introduction to crowdfunding Introduction to crowdfunding Introduction to crowdfunding Welcome to the MyParkScotland crowdfunding resource. This is the first of five information and work sheets the other resources are: running your

More information

VISITOR EXPERIENCE ENHANCEMENT PROGRAM 2018 and 2019

VISITOR EXPERIENCE ENHANCEMENT PROGRAM 2018 and 2019 VISITOR EXPERIENCE ENHANCEMENT PROGRAM 2018 and 2019 PROGRAM GUIDELINES Program Guidelines Page 1 VISITOR EXPERIENCE ENHANCEMENT PROGRAM GUIDELINES 1. PROGRAM OVERVIEW The Northern Territory Government

More information

Get More Out Of Your Life. SmartLife. Business Outline

Get More Out Of Your Life. SmartLife. Business Outline Get More Out Of Your Life SmartLife Business Outline Effective Sept2017 Smart Life Family Products and Services Promoting the Smart Life family of products and services is the smartest investment you can

More information

Small Business, Nonprofit & Church Services and Solutions. Partner Program. BizCentral USA

Small Business, Nonprofit & Church Services and Solutions. Partner Program. BizCentral USA Small Business, Nonprofit & Church Services and Solutions Partner Program CONSULTANT PROGRAM WE DO THE WORK. YOU MAKE MONEY! BECOME AN INDEPENDENT CONSULTANT Are you currently working in the B2B arena,

More information

Total Quality Management (TQM)

Total Quality Management (TQM) Total Quality Management (TQM) Total Quality Management (TQM) is a philosophy that says that uniform commitment to quality in all areas of an organization promotes an organizational culture that meets

More information

SMS in Hospitals. Communicate with all your stakeholders to improve the efficiency and effectiveness of the care you provide

SMS in Hospitals. Communicate with all your stakeholders to improve the efficiency and effectiveness of the care you provide SMS in Hospitals Communicate with all your stakeholders to improve the efficiency and effectiveness of the care you provide Australian hospitals are an essential resource within our healthcare system.

More information

Financial information 2016 $

Financial information 2016 $ Australian vocational education and training statistics Financial information 2016 $ National Centre for Vocational Education Research Highlights This publication provides financial information on the

More information

Business Startup Account. Let s get you started

Business Startup Account. Let s get you started A Business Startup Account Let s get you started Business Startup Package Get your business off the ground Starting a new business is a big step but maintaining it is an even greater one. You need to decide

More information

CAREER MEDIA GROUP 1

CAREER MEDIA GROUP 1 CAREER MEDIA GROUP 1 Career Media Group Career Media Group combines the assets of one of Australias leading job websites with highly targeted B2B industry publications Building Australia s leading careers

More information

Regional Events Fund Guidelines

Regional Events Fund Guidelines Regional Events Fund Guidelines Message from the Minister for Tourism and Major Events, the Hon John Eren Regional Victoria has something for everyone and the best of everything. That s why Victorians,

More information

Industry Awards Application Form

Industry Awards Application Form The WA Industry & Export Awards are proudly managed by the Export Council of Australia (ECA) on behalf of the Department of Jobs, Tourism, Science & Innovation. For any questions and assistance please

More information

2016 Community Report

2016 Community Report 2016 Community Report Welcome And thank you for taking the time to review our 2016 Community Report. In it, you ll find a snapshot of our history, philosophy, operations and people. If we were to sum up

More information

Atos Global FinTech program: A catalyst for innovation in Financial Services

Atos Global FinTech program: A catalyst for innovation in Financial Services Atos Global FinTech program: A catalyst for innovation in Financial Services Atos Global FinTech program: A catalyst for innovation in Financial Services Atos and FinTech: Quick facts Atos has launched

More information

GST MANUAL 1. GST AND CHS P&C Why is Chatswood P&C Registered for GST? What things do we need to charge GST on? 2

GST MANUAL 1. GST AND CHS P&C Why is Chatswood P&C Registered for GST? What things do we need to charge GST on? 2 GST MANUAL Contents 1. GST AND CHS P&C 2 1.1. Why is Chatswood P&C Registered for GST? 2 1.2. What things do we need to charge GST on? 2 1.3. How does charging GST and claiming back GST on purchases (input

More information

CRAZY COOL FUN FOR YOUR STUDENTS

CRAZY COOL FUN FOR YOUR STUDENTS IN 2018 YOU HAVE TWO VERY CLEAR CHOICES FOR A FUN RUN/WALK/LAP-A-THON CRAZY COOL FUN FOR YOUR STUDENTS We re creating a party atmosphere for your students! 70% clear cash profit NO 10% admin fee Only one

More information

BROKERS ON NON-BANKS

BROKERS ON NON-BANKS MPAMAGAZINE.COM.AU ISSUE 17.09 BROKERS ON NON-BANKS With non-banks competing to fill the gaps left by regulation, you ve told us who s passed with flying colours Outsourcing When lower costs mean higher

More information

Great Reasons to Build a Career in the North East. Creative and Digital

Great Reasons to Build a Career in the North East. Creative and Digital Great Reasons to Build a Career in the North East Creative and Digital There are many great reasons to build your career in North East England. This presentation, developed through a partnership between

More information

Making Geothermal Direct Use Applications Happen: Incentives, Funding & Proposals

Making Geothermal Direct Use Applications Happen: Incentives, Funding & Proposals Making Geothermal Direct Use Applications Happen: Incentives, Funding & Proposals Presented By: Liz Battocletti, 10 September 2003 Questions! What Federal and State tax credits or incentives exist for

More information

LOCAL SPORT DEFIBRILLATOR GRANT PROGRAM GUIDELINES OPENING: 1 NOVEMBER 2017 CLOSING: 20 DECEMBER 2017

LOCAL SPORT DEFIBRILLATOR GRANT PROGRAM GUIDELINES OPENING: 1 NOVEMBER 2017 CLOSING: 20 DECEMBER 2017 LOCAL SPORT DEFIBRILLATOR GRANT PROGRAM GUIDELINES OPENING: 1 NOVEMBER 2017 CLOSING: 20 DECEMBER 2017 2 CONTENTS MINISTER S INTRODUCTION ABOUT THE PROGRAM FUNDING AVAILABLE WHO IS ELIGIBLE TO APPLY? WHAT

More information

DRAFT DIGITAL STRATEGY

DRAFT DIGITAL STRATEGY DRAFT DIGITAL STRATEGY Embracing Opportunity Economic Development February 2015 CONTENTS Executive Summary... 4 Vision... 4 Development of the strategy... 5 INTRODUCTION... 6 Purpose - Why do we need

More information

HELPING BRITAIN PROSPER PLAN. 2016/17 update

HELPING BRITAIN PROSPER PLAN. 2016/17 update HELPING BRITAIN PROSPER PLAN 2016/17 update Helping Britain Prosper Plan 2016 performance overview Lloyds Banking Group Helping Britain Prosper Plan 2016/17 update People, businesses and communities across

More information

Digiwage. Decentralized Freelance Marketplace

Digiwage. Decentralized Freelance Marketplace Digiwage Decentralized Freelance Marketplace welcome to the FUTURE Digiwage Mission: Empower global crypto commerce through decentralized execution. Digiwage Vision: Become the preeminent freelance marketplace

More information

WORLD TOUR. Fast Forward SUmmit. Auckland Brisbane Melbourne Perth Tokyo London Bangkok Johannesburg

WORLD TOUR. Fast Forward SUmmit. Auckland Brisbane Melbourne Perth Tokyo London Bangkok Johannesburg 2017 WORLD TOUR Fast Forward SUmmit Auckland Brisbane Melbourne Perth Tokyo London Bangkok Johannesburg Contents Introduction Fast Forward Summit World Tour 2017 - Whats new How You Can Get Involved What

More information

Deloitte Technology Fast 50 Central Europe 2018 Application guidelines

Deloitte Technology Fast 50 Central Europe 2018 Application guidelines Deloitte Technology Fast 50 Central Europe 2018 Application guidelines Application guidelines Contents page 1. Before you apply: Do you have everything you need? 2. Technology Fast 50: Eligibility requirements

More information

Freelancer launches API

Freelancer launches API 20 December 2017 Freelancer launches API Task Humans from Software Matt Barrie Chief Executive Officer Freelancer.com is changing the global dynamics in the marketplace for people 2 Use the Freelancer

More information

Every day, teachers help create a brighter future. Now your money* can too.

Every day, teachers help create a brighter future. Now your money* can too. Every day, teachers help create a brighter future. Now your money* can too. Find out more at tmbank.com.au or 13 12 21 Let s create a brighter future, together. At Teachers Mutual Bank, profit has a purpose.

More information

Recovery. Retrofit. Through OCTOBER 2009 MIDDLE CLASS TASK FORCE COUNCIL ON ENVIRONMENTAL QUALITY. Recovery Through Retrofit Page 0

Recovery. Retrofit. Through OCTOBER 2009 MIDDLE CLASS TASK FORCE COUNCIL ON ENVIRONMENTAL QUALITY. Recovery Through Retrofit Page 0 Recovery Through Retrofit OCTOBER 2009 MIDDLE CLASS TASK FORCE COUNCIL ON ENVIRONMENTAL QUALITY Recovery Through Retrofit Page 0 CONTENTS EXECUTIVE SUMMARY... 1 INTRODUCTION... 5 A STRATEGIC PLAN FOR RECOVERY

More information

Fundraising Ideas with Bonus Prizes

Fundraising Ideas with Bonus Prizes FUNDRAISING FUNDRA Term 4 Fundraising Ideas with Bonus Prizes No money up front Profitable & easy to run New Billy G s Cookie Dough Online Shop PHONE: 1300 133 022 WEBSITE: WWW.AUSTRALIANFUNDRAISING.COM.AU

More information

LEADERS IN BIOMEDICAL ENGINEERING SERVICES

LEADERS IN BIOMEDICAL ENGINEERING SERVICES LEADERS IN BIOMEDICAL ENGINEERING SERVICES Electro Medical Group Electro Medical Group (EMG) was formed in 2003 to provide a clientfocused biomedical engineering service. Today we are still seen as the

More information

MYOB Business Monitor. The voice of Australia s business owners. > August myob.com.au

MYOB Business Monitor. The voice of Australia s business owners. > August myob.com.au MYOB Business Monitor The voice of Australia s business owners > August 2010 myob.com.au Australia Highlights First major resurgence in Australia business revenue since the GFC Making Business Life Easier

More information

HEAR MORE AT A FREE ANGELS AND GOVERNMENT FUNDING SEMINAR

HEAR MORE AT A FREE ANGELS AND GOVERNMENT FUNDING SEMINAR We have answered the call from small business clients! With over 1200 funding opportunities available to businesses in Australia, this guide is designed to break those down and help you find the right

More information

UNLOCKING THE TAX RELIEF IN YOUR RESEARCH & DEVELOPMENT

UNLOCKING THE TAX RELIEF IN YOUR RESEARCH & DEVELOPMENT UNLOCKING THE TAX RELIEF IN YOUR RESEARCH & DEVELOPMENT About CA Research & Development CA R&D is part of a large group of companies that advises on a number of tax related issues that are set in legislation

More information

MYOB Australian Small Business Survey

MYOB Australian Small Business Survey MYOB Australian Small Business Survey January 2007 Small Business Survey Report Prepared by AMR Interactive AMR Interactive Contact: Echo Fong Survey Project Manager Tel: (02) 9020 6700 Email: echo.fong@amrinteractive.com

More information

2016 ENTRY KIT. Entries close 4pm Wednesday, 18 January Presenting Partner

2016 ENTRY KIT. Entries close 4pm Wednesday, 18 January Presenting Partner 2016 ENTRY KIT Entries close 4pm Wednesday, 18 January 2017 Presenting Partner THE CATEGORIES A. NSW Agency of the Year N. Advertising Network of the Year B. Victorian Agency of the Year O. Media Network

More information

FROM GRANTS TO GROUNDBREAKING:

FROM GRANTS TO GROUNDBREAKING: ISSUE BRIEF #10 FROM GRANTS TO GROUNDBREAKING: Unlocking Impact Investments An ImpactAssets issue brief exploring critical concepts in impact investing Jointly authored by Amy Chung of Living Cities with

More information

Flagstar s Pontiac s Big Idea Grant Program FREQUENTLY ASKED QUESTIONS AND PROGRAM GUIDELINES

Flagstar s Pontiac s Big Idea Grant Program FREQUENTLY ASKED QUESTIONS AND PROGRAM GUIDELINES Flagstar s Pontiac s Big Idea Grant Program Sponsored by FREQUENTLY ASKED QUESTIONS AND PROGRAM GUIDELINES WHAT IS PONTIAC S BIG IDEA GRANT PROGRAM? The Pontiac s Big Idea Grant Program (PBIGP) is a program

More information

Inclusive Digital Entrepreneurship Platform for Africa

Inclusive Digital Entrepreneurship Platform for Africa Inclusive Entrepreneurship Platform for Africa A collaborative platform that channels funding and support to catalyze the growth of inclusive digital businesses and the next generation of technology leaders.

More information

Department of Economic Development, Jobs, Transport and Resources

Department of Economic Development, Jobs, Transport and Resources Submission to Department of Economic Development, Jobs, Transport and Resources 18 July 2018 1. ABOUT THE HOUSING INDUSTRY ASSOCIATION... II 2. INTRODUCTION... 1 3. GENERAL COMMENTS... 1 4. BUILDING INDUSTRY

More information

Funding Programs Guide. Aquaculture Sector

Funding Programs Guide. Aquaculture Sector Funding Programs Guide Aquaculture Sector December 2017 A Commitment to Grow Aquaculture As part of The Way Forward, the Newfoundland Aquaculture Industry Association and the Government of Newfoundland

More information

Partnering with you to help your clients fund innovation and improve productivity by claiming R&D tax relief

Partnering with you to help your clients fund innovation and improve productivity by claiming R&D tax relief Partnering with you to help your clients fund innovation and improve productivity by claiming R&D tax relief Who are we? 3 Introduction to research and development tax relief 4 Summary of research and

More information

Adelaide 22 February Melbourne 1 March Perth 2 May Sydney 23 May Canberra 5 July

Adelaide 22 February Melbourne 1 March Perth 2 May Sydney 23 May Canberra 5 July INVITATION TO PARTNER 2018 IN HOUSE COUNSEL DAYS Adelaide 22 February Melbourne 1 March Perth 2 May Sydney 23 May Canberra 5 July By in-house counsel, for in-house counsel. acla.acc.com INVITATION TO PARTNER

More information

THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 CHINA REPORT

THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 CHINA REPORT THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 CHINA REPORT 2 THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 CHINA REPORT LEGAL NOTICE CPA Australia Ltd ( CPA Australia ) is one of

More information

STARTUP INCUBATOR: PAVING THE WAY FOR AUSTRALIAN ENTREPRENEURS

STARTUP INCUBATOR: PAVING THE WAY FOR AUSTRALIAN ENTREPRENEURS STARTUP INCUBATOR: PAVING THE WAY FOR AUSTRALIAN ENTREPRENEURS Located in Fortitude Valley, Brisbane, it offers businesses in early stages of development a support ecosystem that includes entrepreneurs,

More information

Requirements and Guidelines for Submission of Financial Statements CGP Application Round

Requirements and Guidelines for Submission of Financial Statements CGP Application Round Requirements and Guidelines for Submission of Financial Statements 2013 CGP Application Round Financial Statement Requirements Schools are required to provide the BGA with a copy of their audited financial

More information

THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 GUANGZHOU REPORT

THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 GUANGZHOU REPORT THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 GUANGZHOU REPORT 2 THE CPA AUSTRALIA ASIA-PACIFIC SMALL BUSINESS SURVEY 2015 GUANGZHOU REPORT LEGAL NOTICE CPA Australia Ltd ( CPA Australia )

More information

COMMUNITY - QUICK RESPONSE GRANTS GUIDELINES...

COMMUNITY - QUICK RESPONSE GRANTS GUIDELINES... Contents INTRODUCTION... 3 STRATEGIC PLAN AND VISION... 3 SOCIAL INCLUSION AND RELATED STRATEGIES... 3 COMMUNITY - QUICK RESPONSE GRANTS GUIDELINES... 4 WHAT CAN YOU APPLY FOR?... 4 HOW MUCH CAN YOUR ORGANISATION

More information

The international perspective on the transformation of the financial sector with FinTech

The international perspective on the transformation of the financial sector with FinTech FinTech: The international perspective on the transformation of the financial sector with FinTech Ank van Wylick Partner FinTech & Innovation Execution KPMG The Netherlands March 2016 1 Number of physical

More information

Strategies For An Economic Downturn

Strategies For An Economic Downturn Strategies For An Economic Downturn Northern California Small Business Development Center Network www.norcalsbdc.org Strategies For An Economic Downturn Be proactive in addressing the following areas:

More information

Good afternoon everyone, and thank you for staying on for the afternoon session.

Good afternoon everyone, and thank you for staying on for the afternoon session. WRAP s UK Annual Conference 2013 - Dr Liz Goodwin review of the year speech Introduction Good afternoon everyone, and thank you for staying on for the afternoon session. And thank you Peter for those comments.

More information

AUGUST 2016 V1 COMMUNITY DEVELOPMENT GRANTS PROGRAM SMALL AND MEDIUM CREATIVE HOBART GRANTS GUIDELINES AN INITIATIVE OF

AUGUST 2016 V1 COMMUNITY DEVELOPMENT GRANTS PROGRAM SMALL AND MEDIUM CREATIVE HOBART GRANTS GUIDELINES AN INITIATIVE OF AUGUST 2016 COMMUNITY DEVELOPMENT GRANTS PROGRAM SMALL AND MEDIUM CREATIVE HOBART GRANTS GUIDELINES AN INITIATIVE OF Contents INTRODUCTION... 2 STRATEGIC PLAN AND VISION... 2 CREATIVE HOBART STRATEGY...

More information

Crowd Funding In India: Issues & Challenges. Abhrajit Sarkar Research Scholar JIS University Contact no:

Crowd Funding In India: Issues & Challenges. Abhrajit Sarkar Research Scholar JIS University Contact no: Crowd Funding In India: Issues & Challenges Abhrajit Sarkar Research Scholar JIS University abhrajitsarkar81@gmail.com Contact no: 9051259064 Abstract: Crowd funding, the term itself have a deeper meaning.

More information

2017 Community Report

2017 Community Report 2017 Community Report Welcome And thank you for taking the time to review our 2017 Community Report. In it, you ll find a snapshot of our history, philosophy, operations and people. If we were to sum up

More information

Enterprise Solution Centre Programme Frequently Asked Questions

Enterprise Solution Centre Programme Frequently Asked Questions Food Innovation Australia Limited (FIAL) Enterprise Solution Centre Programme Frequently Asked Questions INTRODUCTION FIAL s Enterprise Solution Centre Programme (ESCP) connects businesses with researchers

More information

Statement of Owner Expectations NSW TAFE COMMISSION (TAFE NSW)

Statement of Owner Expectations NSW TAFE COMMISSION (TAFE NSW) Statement of Owner Expectations NSW TAFE COMMISSION (TAFE NSW) August 2013 Foreword The NSW Government s top priority is to restore economic growth throughout the State. If we want industries and businesses

More information

Fundraising. Online. for your website

Fundraising. Online. for your website Fundraising Online for your website We are delighted with Charity Checkout and would highly recommend them to any not-for-profit organisation looking to deepen their online giving footprint. Sara Bowcutt

More information

THE ULTIMATE GUIDE TO CROWDFUNDING YOUR STARTUP

THE ULTIMATE GUIDE TO CROWDFUNDING YOUR STARTUP THE ULTIMATE GUIDE TO CROWDFUNDING YOUR STARTUP Wouldn t it be nice to fund your startup, gain new customers, market your product and gain valuable customer feedback all at the same time? Contents Part

More information

Xenesta International, Inc. Independent Brand Partner Prime+ Compensation Plan

Xenesta International, Inc. Independent Brand Partner Prime+ Compensation Plan Xenesta International, Inc. Independent Brand Partner Prime+ Compensation Plan Prime+ Compensation Plan 2 Welcome to the Xenesta International Family! Xenesta provides a dual formula for success: The first

More information

Fundraising. Online. for your website

Fundraising. Online. for your website Fundraising Online for your website We are delighted with Charity Checkout and would highly recommend them to any not-for-profit organisation looking to deepen their online giving footprint. Sara Bowcutt

More information

2017 Victorian Training Awards guide

2017 Victorian Training Awards guide 2017 Victorian Training Awards guide Contents Introduction... 1 About the awards... 2 Awards ceremony... 2 Why enter?...3 Awards prize...3 Key dates...3 How to nominate...4 Award categories & selection

More information

THE STATE OF THE DIGITAL NATION

THE STATE OF THE DIGITAL NATION THE STATE OF THE DIGITAL NATION an myob business monitor Special Report October 2014 Love your work 2 The State of the Digital Nation an MYOB Business Monitor Special Report For a small trading country,

More information

Buying property means charities have their cash invested in something tangible, but they are still an attractive option for funders.

Buying property means charities have their cash invested in something tangible, but they are still an attractive option for funders. Building strength in the Scottish social economy sp tlight Owning a property can be an essential part of making a charity more resilient in a changing economy. In a volatile economy, owning a workspace

More information

Shared Growth Ambition. A guide to Shared Growth in action

Shared Growth Ambition. A guide to Shared Growth in action Shared Growth Ambition A guide to Shared Growth in action Barclays cannot succeed or prosper unless the societies and communities in which we live and work also succeed and prosper. Jes Staley, Barclays

More information

ANZ ISG Paragon Awards. 22 March 2018 INFORMATION GUIDE

ANZ ISG Paragon Awards. 22 March 2018 INFORMATION GUIDE ANZ 2018 ISG Paragon Awards 22 March 2018 INFORMATION GUIDE 2 I ISG Paragon Awards ANZ 2018 Information Guide ISG Paragon Awards ANZ 2018 Information Guide 3 Now in their seventh year, the ISG Paragon

More information

16 Important Steps To Consider When Starting Your Business LISA PENSON

16 Important Steps To Consider When Starting Your Business LISA PENSON 16 Important Steps To Consider When Starting Your Business LISA PENSON LET S START WITH BUSINESS STRUCTURE 1) Sole trader 2) Partnership 3) Proprietary Limited (Pty Ltd) company 4) Trust THE AUSTRALIAN

More information

Essential Charity Fundraising Guide

Essential Charity Fundraising Guide 2016 Register Now! or call 0800 883 8450 Charity Fundraising in 2016 Travel Welcome to the 2016 Give as you Live Essential Charity Fundraising Guide. Each year through Give as you Live, thousands of charities

More information

JUNE 2017 COMMUNITY DEVELOPMENT GRANTS PROGRAM COMMUNITY CHRISTMAS CAROLS GRANTS GUIDELINES

JUNE 2017 COMMUNITY DEVELOPMENT GRANTS PROGRAM COMMUNITY CHRISTMAS CAROLS GRANTS GUIDELINES JUNE 2017 COMMUNITY DEVELOPMENT GRANTS PROGRAM COMMUNITY CHRISTMAS CAROLS GRANTS GUIDELINES Contents INTRODUCTION... 2 STRATEGIC PLAN AND VISION... 2 COMMUNITY CHRISTMAS CAROLS GRANTS GUIDELINES... 2 WHAT

More information

HOW TO UNLOCK GOVERNMENT FUNDING TO GROW YOUR BUSINESS

HOW TO UNLOCK GOVERNMENT FUNDING TO GROW YOUR BUSINESS HOW TO UNLOCK GOVERNMENT FUNDING TO GROW YOUR BUSINESS INTRODUCTION Are you an Australian business owner who is looking for new sources of funding to help grow your business? Are you keen to meet the challenges

More information

SMALL BuSiNESS AdMiNiSTRATiON

SMALL BuSiNESS AdMiNiSTRATiON 2010 SMALL BuSiNESS AdMiNiSTRATiON Funding Highlights: Provides $28 billion in loan guarantees to expand credit availability for small businesses. Supports disaster recovery for homeowners, renters, and

More information

Alphington Community Food Hub

Alphington Community Food Hub Alphington Community Food Hub Position Description Food Hub Manager April 2018 Sustain: The Australian Food Network is seeking applications from suitably qualified individuals for the position of Food

More information

Orientation Guide. Standard Member WELCOME TO EVERYDAYHERO WE RE SO EXCITED TO HAVE YOU ON BOARD

Orientation Guide. Standard Member WELCOME TO EVERYDAYHERO WE RE SO EXCITED TO HAVE YOU ON BOARD Standard Member Orientation Guide WELCOME TO EVERYDAYHERO WE RE SO EXCITED TO HAVE YOU ON BOARD You are joining a community of over 3,000 nonprofits AU & NZ wide who have partnered with us to help grow

More information

yes Optus Community Grants Program 2015: Application Process, Guidelines and Terms and Conditions [ ]

yes Optus Community Grants Program 2015: Application Process, Guidelines and Terms and Conditions [ ] yes Optus Community Grants Program 2015: Application Process, Guidelines and Terms and Conditions [23-09-2014] Grants Application Form & T&Cs Page 2 Application Process The yes Optus community grants program

More information

Business Support Finder

Business Support Finder York, North Yorkshire & East Riding Caven, Harrogate, Selby & York East Riding, Craven, Harrogate, Selby & York Business Support Finder Business Stage? Start-up Growing Business Goals? Protect IP Starting

More information

Northern California Community Loan Fund

Northern California Community Loan Fund Northern California Community Loan Fund REAL ESTATE READINESS FOR NONPROFIT ORGANIZATIONS (Where financial managers meet real estate developers) Presenters: Andrea Papanastassiou Stephaney Kipple Real

More information

Fundraising Toolkit for Kids Helpline

Fundraising Toolkit for Kids Helpline Fundraising Toolkit for Kids Helpline Contents You re making a difference.... 3 How to get started... 4 Fundraising ideas....5 Tips for a successful fundraiser...6 Terms and conditions.... 7 Forms:....9

More information

SUPPORTING THE LOCAL BUSINESS COMMUNITY.

SUPPORTING THE LOCAL BUSINESS COMMUNITY. SUPPORTING THE LOCAL BUSINESS COMMUNITY. What is THE TENTERFIELD CHAMBER OF TOURISM, INDUSTRY & BUSINESS? THE TENTERFIELD CHAMBER OF- TOURISM, INDUSTRY & BUSINESS is a not-for-profit business support organisation

More information

NEW ENTERPRISE INCENTIVE SCHEME (NEIS) APPLICATION BOOKLET. BRACE Education Training and Employment

NEW ENTERPRISE INCENTIVE SCHEME (NEIS) APPLICATION BOOKLET. BRACE Education Training and Employment NEW ENTERPRISE INCENTIVE SCHEME (NEIS) APPLICATION BOOKLET BRACE Education Training and Employment www.brace.com.au 1800 101 808 www.brace.com.au Table of Contents New Enterprise Incentive Scheme (NEIS)

More information

JUNE 2017 V1 COMMUNITY DEVELOPMENT GRANTS PROGRAM COMMUNITY CHRISTMAS ACTIVATION QUICK RESPONSE GRANTS GUIDELINES

JUNE 2017 V1 COMMUNITY DEVELOPMENT GRANTS PROGRAM COMMUNITY CHRISTMAS ACTIVATION QUICK RESPONSE GRANTS GUIDELINES JUNE 2017 COMMUNITY DEVELOPMENT GRANTS PROGRAM COMMUNITY CHRISTMAS ACTIVATION QUICK RESPONSE GRANTS GUIDELINES Contents INTRODUCTION... 2 STRATEGIC PLAN AND VISION... 2 COMMUNITY CHRISTMAS ACTIVATION QUICK

More information

partnering with Bankers Boot Camp The age of change October 2017

partnering with Bankers Boot Camp The age of change October 2017 partnering with Bankers Boot Camp The age of change October 2017 Banks are facing growing headwinds including increased regulation and compliance, low interest rates impacting growth, and the sustainability

More information

Village of Hinckley: Local, State and Federal Tax Incentive Programs

Village of Hinckley: Local, State and Federal Tax Incentive Programs www.dcedc.org 421 N. California Street Suite 200 Sycamore, IL 60178 [phone] 815.895.2711 [fax] 815.895.8713 Village of Hinckley: Local, State and Federal Tax Incentive Programs Following is a brief description

More information

LEOcoin. Crowdfunding. Property. Cafe. Travel. Charity. LEO Ecosystem

LEOcoin. Crowdfunding. Property. Cafe. Travel. Charity. LEO Ecosystem LEOcoin Property Crowdfunding Travel Cafe Charity LEO Ecosystem About LEOcoin LEOcoin is an established digital currency that allows individuals to make fast and secure transactions through a decentralised

More information

2018 Application Guidelines

2018 Application Guidelines 2018 Application Guidelines SMALL BUSINESS GRANTS The City of Onkaparinga s Small Business Grants are offered through the ON Business Partner Program which supports local businesses of all sizes to thrive

More information

The OCCA s are one of the highlights of National Organic Week (NOW), held this year 3-12 October.

The OCCA s are one of the highlights of National Organic Week (NOW), held this year 3-12 October. About the Organic Consumer Choice Awards (OCCA s) Previously known as the National Organic Week Awards, the Organic Consumers Choice Awards (OCCA s) have been promoting and rewarding the best organic stakeholders

More information

IoT Hackathon. Get your smart on. 4 th & 5 th July, 2015 Location: ITC Infotech Park, Bangalore. To register, log on to:

IoT Hackathon. Get your smart on. 4 th & 5 th July, 2015 Location: ITC Infotech Park, Bangalore. To register, log on to: IoT Hackathon Get your smart on 4 th & 5 th July, 2015 Location: ITC Infotech Park, Bangalore To register, log on to: www.itcinfotech.com/itech Join us for a 30 hour idea to prototype building contest,

More information

Photo credit: Boston Community Capital

Photo credit: Boston Community Capital 2016 Impact Report Photo credit: Boston Community Capital Cover photos: Provided by our borrowers and partners. Additional photo credits, in order from page 3: Enterprise Community Partners, Equitas Academy

More information