1. Charity Bank Roger Ong Senior Lending Manager

2. How Do You Take The Next Step? What is your Mission, Aims and Objectives What is your Mission, Aims and Objectives Consider what Legal Structure is most appropriate Consider what Legal Structure is most appropriate Do you need any Authorisation or to be Licensed Do you need any Authorisation or to be Licensed Speak to an Accountant who understands the sector in which you intend to operate Speak to an Accountant who understands the sector in which you intend to operate

3. What Information Will You Need? Nature of Product/Service Nature of Product/Service Competitors Competitors Market size, growth or decline Market size, growth or decline Price comparison Price comparison Management skills and availability Management skills and availability Staff skills and availability Staff skills and availability Premises – rent or buy Premises – rent or buy

4. How Can You Plan To Be Successful? Fail to plan – plan to fail Fail to plan – plan to fail Undertake full risk assessment Undertake full risk assessment Complete risk register Complete risk register Undertake cash flow forecast and regularly update Undertake cash flow forecast and regularly update Quantify terms of trade with suppliers and purchasers Quantify terms of trade with suppliers and purchasers What are your funding streams What are your funding streams

5. What Do Lenders Look For? C Character C Character AAbility AAbility MMeans MMeans PPurpose PPurpose AAmount AAmount RRepayment RRepayment IInterest - Insurance IInterest - Insurance

6. What Do Lenders Look For? Balanced business modelBalanced business model Sound Financial planningSound Financial planning Appropriate management skillsAppropriate management skills Good risk assessmentGood risk assessment Ability to service any borrowing/debtAbility to service any borrowing/debt Return on their investmentReturn on their investment Sufficient margin of safetySufficient margin of safety

7. What About The Future? Continually review business model Continually review business model Regularly update cash flow forecast and funding needs Regularly update cash flow forecast and funding needs Beware of the one large contract Beware of the one large contract Impact on funding streams – financial; political; beneficiaries Impact on funding streams – financial; political; beneficiaries Management and staff skills and availability Management and staff skills and availability

8. Uses Of Lending Bridging Loans of (grant) receivablesBridging Loans of (grant) receivables Short-term working capital purposesShort-term working capital purposes New development financingNew development financing Long-term asset acquisition, plant, machinery and vehiclesLong-term asset acquisition, plant, machinery and vehicles Property acquisitionProperty acquisition

9. Loan Parameters Variable rate of interest – 6% - 7%Variable rate of interest – 6% - 7% 1% lending fee1% lending fee £5,000 - £750,000£5,000 - £750,000 Secured & UnsecuredSecured & Unsecured Unsecured 6 months to 5 yearsUnsecured 6 months to 5 years Secured 6 months to 25 yearsSecured 6 months to 25 years Valuation & security feesValuation & security fees

10. Monitoring Systems and Information Required Annual Accounts Annual Accounts Management Accounts Management Accounts Cash Flow Forecast Cash Flow Forecast Bank Statements Bank Statements Aged List of Debtors and Creditors Aged List of Debtors and Creditors Annual Reports Annual Reports

11. Projects

12. Mull Fishermen's Association Fighting to save a pier

13. Old Post Regeneration Association Limited - before

14. Old Post Regeneration Association Limited - after

15. Energywise Recycling

16. Contact Details: Charity Bank PO BOX 398 194 High Street Tonbridge Kent TN9 9BD Loan enquiries: 01732 774050 Tel: 01732 774040 Fax: 01732 774069 E-mail: enquiries@charitybank.org Website: http://www.charitybank.org