Business Development Grants & Funding Options David Hinshelwood

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1 Business Development Grants & Funding Options David Hinshelwood

2 Objective Timetable Alarms Toilets

3 Objective To consider loan funding options for your business. Grant options Presenting successful applications

4 Funding Options Personal savings - own funds Family and Friends High Street Banks - overdraft or term loan Start Up Loan Credit cards Factoring / invoice discounting Asset finance HP & Lease Crowdfunding Grants Equity investors Business Angels

5 Personal savings - own funds Formal or informal Interest payments tax implications for both parties Capital at risk what if the business does not grow as forecast delayed repayment? Only what can afford to lose

6 High Street Banks Overdraft Flexible Agreed limit set by bank Interest only on amount overdrawn Can be higher interest rate than loan Arrangement fees - & usage fees Can be withdrawn week notice?

7 High Street Banks Term loan Agreed set repayment period Set monthly repayments budgeting Once agreed not usually withdrawn Arrangement fees Match the life of the asset Security? Reduced initial capital repayments?

8 Start Up Loan Government Programme Pre Start, up to 2 years trading Up to 25,000 Maximum 5 year repayment period 6.2% interest No arrangement fees Personal loan no security

9 Credit cards Higher interest than most other sources Flexible Convenient

10 Factoring & Invoice Discounting Payment in advance for invoices issued No waiting period for payment Factor customer pays the factor directly Invoice discounting customer pays business directly

11 Asset finance HP & Lease Usually for purchase of capital equipment Secured on the asset financed Can have taxation benefits

12 Equity Investors Only for Ltd company s Investment for a share of ownership Shared risks Return by way od dividends Usually 10,000 upwards

13 Loan Funding Options- Existing New kid on the block- Crowd Funding Actually not new Advent of internet now makes private funding accessible Value of market growing fast Where does the money come from? Private individuals willing to take a risk in return for a better interest rate or a % of the business Your investment is not protected!!!!!!!!!!!!!!!!!!!!!

14 Crowdfunding Lots of small investors Options Investors receive their money back with interest or People invest in an opportunity in exchange for equity or People invest simply because they believe in the cause

15 Loan Funding Options- Existing Lots of players Zopa; 753 million lent (personal loans) Funding Circle 537 million (business) Ratesetter 518 million (personal loans) Folk to Folk 47 million ( property loans) Crowdcube 61 million ( business equity)

16 Grants Do not have to be repaid!! But not cost free? Can be found through: Government website Subscription option ( 15 / 25)

17 Grants

18 Grants Can be government EU Local authority Private E.g. Esmee Fairbairn Banks

19 Grants E.g. Esmee Fairbairn

20 RDPE Leader Funding Local Action Group (LAG) or LEADER grant funds Somerset - West Somerset / Sedgemoor Not Taunton nor Bridgwater East Devon Make it Local LAG - Mid Devon REAL Devon LAG - Total Fund of million each LAG

21 Eligibility Situated Within the Geographic area Small or Micro Business Less than 50 employees Less than 10m turnover Less than 10m balance sheet valuation Linked businesses commonality of ownership TOTAL values added together

22 Eligibility Minimum project 6,250 Usually capital expenditure Physical Assets Machinery Equipment Building conversions Creating employment Creating Business and Increase in profitability

23 General information Regulatory requirements complied with Planning Permissions obtained Environmental regulations met Environmental Health obligations met Max 40% grant fund (20% annex 1 food processing?!) Minimum grant applied for 2,500 40% intervention rate Minimum Project size 6,250

24 General information Match Funding in place and demonstrable No Public Authority Funding eligible as match Support a step change in the business not just replacement / repair Not displacement (other businesses) Cash flow grant retrospectively payment? Cannot claim for projects already carried out

25 RDPE Leader Funding all of Devon covered Programme Objectives Grants/Support to start and grow businesses jobs and growth Think about planning permissions Matched funding? Business Plan Likely to be less than 35,000 grant (40% max intervention rate)

26 RDPE Leader Funding all of Devon covered LEADER has 6 national priorities: Support to increase farm productivity Support for micro and small businesses (non-agricultural) and farm diversification Support for rural tourism Provision of rural services Support for cultural and heritage activity Support for increasing forestry productivity

27 RDPE GROWTH - New RDPE Growth Programme NEW Minimum 82,500 project Capital investment not revenue? Rural Business Growth Rural Tourism Infrastructure Food Processing

28 Lottery Awards for All Grants between ,000 Voluntary, community, school, health body Max 1 year Not existing activities (unless turnover less than 30,000 One stage application

29 Lottery Reaching Communities Grants between 10, ,000 Voluntary, community, school, health body ideas that support: Lasting and sustainable changes to places and spaces Communities to develop happier and stronger relationships with each other Taking action to focus on the root causes of social problems to tackle them at the earliest possible stage

30 Grant Process Usually 2 stages Expression of interest Establishes eligibility Full application detailed Explain how meet fund requirements / objectives Business plan Financial forecasts Quotes for expenditure Etc!!??

31 How do I secure funding - grants? Have a GOOD business plan Take advantage of the free business support on offer Answer all of the questions!! Match the grant programmes requirements Access all the guidance Scrutinise the criteria Consider timescales often 4 month application period

32 Grant thoughts Full application It s like an exam- answer all the questions! Why applying for 40% - and not 35% - justify why! Funding gap? Risk reduction for the business Acceptable rates of return? What if lower or no grant funding? Clearly explain the outputs and how they will be achieved match to financial forecasts e.g. salary, income growth Fully explain the forecast all assumptions

33 Grant thoughts Full application Understanding the market that the business operates in Who are the client groups, expanding market? Is there a market need? Current and proposed target market? Product, price, demographic, geography Survey of potential customers? Longer term potential? Support from potential customers What promotional activity, why these avenues chosen? Is the promotional plan costed, realistic,

34 Grant thoughts Full application Displacement Is the overall market growing? Who are the competitors Devon / South West / Nationally? What will be the impact on the existing capacity? Financial forecasts Accurate Match the narrative detail explained Match the assumptions throughout the plan Sensitivity analysis what if only 75% sales achieved? Letters of support third party support

35 Grant thoughts Full application Research into the proposed project design, consultants / advisor support etc. Justify why not using alternatives different equipment (cheaper) hire not buy etc.? Environmental impact do not ignore how will it be mitigated? Equality & Diversity Impact policies? Who will manage the project delivery what skills do they have, what experience do they have? Reporting? Cost per job created? Quality of job remuneration level? Positive impact for other businesses?

36 Grant thoughts Full application Strong evidence of private match written bank, private evidenced Spend time on strategic fit why your project meets the overall grant programme strategy document. Risk analysis e.g. project slippage, supplier failure, market price lower than anticipated?

37 Grant thoughts Full application Financial Forecasts Sales Forecast detailed, accurately calculated!!! Project Budget - detailed, accurately calculated Cash flow forecasts Profit and loss forecast

38 Lenders considerations The business proposition Clearly explained? Understandable? Evidenced? The applicant Skills and capability sector knowledge Track record Personality? Security? Less important at lower levels of debt Ltd Co?

39 Business Plan Headings Background of business proprietors Business Product or service The Market SWOT Competition Advertising and Promotion Pricing and Cost Sales Forecast Start-up Costs Business Funding Cash flow forecasts Profit and loss forecast How the business will be operated (IT and legislative requirements)

40 How do I secure funding - loans Financial forecasting obvious though it sounds, all investors will expect to see some figures and it helps if they ADD up. Clearly explained and understandable It s important to be realistic about what your business is going to be able to achieve and linking your figures back to market data can help demonstrate your knowledge and business acumen to potential funders.

41 How do I secure funding - loans Why are you different? If you re not sure yourself, you won t convince anyone else that your business can find space in the market. Be clear about what differentiates you from the competition and how you re going to exploit that in order to make your business a success

42 How do I secure funding - loans How much money? When you re asking other people for money, you cannot be vague about how much you want and what you plan to do with it. If it s clear from your forecasting you need 50,000, you aren t helping your business by borrowing double that amount

43 How do I secure funding - loans Selling your product or service It s important to demonstrate in your business plan that you have thought about how you re going to make sales. A storeroom full of stock is of no use to your business if you haven t thought through how you re going to sell it. Outlining a marketing plan will show investors you know making sales is key to a successful business

44 Objective To consider loan funding options for your business. Grant options Presenting successful applications

45 Other Business Support Programmes Pre Start New Enterprise Allowance Support for Job Centre Plus claimants Business Planning support from volunteer mentors and advisors Once trading can receive 1275 of benefits Loan of up to 2500

46 Free Phone BIP, Okehampton Business Centre, Unit 10, Higher Stockley Mead, Okehampton, Devon, EX20 1FJ

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