Financing PKS Consultancy

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

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

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

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

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

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

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

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

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

Paul Saunders PKS Consultancy M: T: