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Financing PKS Consultancy. Overdraft Loan – (Finance for Lending Scheme) Invoice Finance Factoring Invoice Discounting Payroll Finance Single Invoice.

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Presentation on theme: "Financing PKS Consultancy. Overdraft Loan – (Finance for Lending Scheme) Invoice Finance Factoring Invoice Discounting Payroll Finance Single Invoice."— Presentation transcript:

1 Financing PKS Consultancy

2 Overdraft Loan – (Finance for Lending Scheme) Invoice Finance Factoring Invoice Discounting Payroll Finance Single Invoice Finance Friends & Family Private Equity PKS Consultancy

3 Launched August 2012 to provide £60bn to SMEs ◦ 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

4 New Start Capability Proposition Investment Ability to service borrowing Business Plan & Projections Security Available PKS Consultancy

5 Existing Business Retained Value Track Record Future Revenues Profitability Articulated plans Managing of Risk Contracts Debtor Concentrations Security Available PKS Consultancy

6 Anniversary Dates Evergreen Facilities Strength of Relationship Renewal Fees Security Stick or Twist PKS Consultancy

7 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

8 A responsive market Professional approach Clear proposals and indicative terms Negotiation Legal Contracts Company and Personal Security Arrangement Fees Exit Fees PKS Consultancy

9 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

10 A corporate debenture A guarantee or indemnity Full Limited Fraud only Supported Legal advice PKS Consultancy

11 Paul Saunders PKS Consultancy M: T:


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