1. Finance for Business Growth

2. What is SME Source : Dubai SME

3. What is SME Source : Dubai SME

4. Life Cycle – Business Finance Start up Seed Capital Personal Savings Borrow from Friends / Relatives Angel Investors Growth VC Internal Accruals Further equity Bank Finance Venture Capital PE with SME Focus Maturity IB/ PE Investment Banks Private Equity International Bank Syndication Bonds IPOs Exit IPO/ M&A Private Equity Sell Out IPOs M & A

5. Growth Finance Internal Accruals Further Equity by Owners Bank Finance Financial Institutions Finance Venture Capital/ HNI Investor Private Equity Funds with SME focus

6. Bank Finance Financial Institutions Finance XYZ Bank $ Statutory Warning!!

7. Bank Finance – Options Bank Finance Financial Institutions Finance Business Loans Personal Loans Loan against POS Loan against Assets – Vehicle, Commodities, Property, Deposits Commercial Property Loan Equipment Loans – Commercial vehicles, medical equipment, construction equipment Working Capital Loans – Overdraft Facilities Trade Facilities – LC / TR PDC Discounting / Invoice Discounting / Export Bills Discounting Term Facilities Non-funded facilities - Bank Guarantees / Bonds

8. Bank Finance – Case Study Industry : Oil & Gas Ideal Way to Grow Bank Finance Financial Institutions / Finance No Longer SME AED mln

9. Bank Finance – Case Study Micro SME Industry : Health & Wellness How a Micro SME can fund itself Bank Finance Financial Institutions / Finance Figures in AED

10. Equity Finance Venture Capital/ HNI Investor Private Equity Funds with SME focus SMEINVESTOR Statutory Warning!!

11. Equity Finance – Considerations for Investors Venture Capital Private Equity Funds with SME focus Owner Profile Management Team Governance Structure Product / Business - Lifecycle Market Potential Revenue Potential / Profit Potential Scalability of Business Uniqueness of Business / Competitive Advantage Systems and Processes Risk Factors Competitor & Customer Profile Investment Needed Valuation of Business Planned Use of Proceeds Exit Strategy

12. Growth Finance – Case Study Venture Capital Private Equity Funds with SME focus 2010-2011*20122013 Revenues1,5562,158.091,833.52 COGS1,108.681,320.041,138.55 Gross Profit447.32838.05694.97 Operating Exp1,561.8794.50447.12 EBITDA(1,114.48)43.55247.84 Net Profit(1,167.63)7.05207.31 *2010-11 period is for 18 months and the opex includes one time set up cost of $750,000. Figures in ‘000 USD Revenue-EBITDA performance 2010-2013  Industry - Guest Room Technology Products and Solutions, catering to Hotel and Hospitality Sectors.  The company is a Zero Debt, Cash Flow Positive company, has grown its top line at a CAGR of 9% with an estimated CAGR growth of 52.7% in the next 5 years  Achieved an EBITDA margin of 13.5% & Net Profit margin of 11.3% in 2013  The company expects to grow top line from the current $1.83M to $15M in 2018 with net profit increase from $207K to $4.5M GIC is raising USD 1.5 mn Equity from an HNI / Venture Capitalist for the Company

13. ‘‘Always remember, the human mind, once stretched by new ideas, never returns to its original state, it keeps growing’’ His Highness Sheikh Mohammed bin Rashid Al Maktoum

14. About Us

15. What we continuously aspire for… Our Vision To be a preferred solutions provider to our clients and be a long term partner in their success by enhancing their performance and setting a benchmark of excellence

16. What we offer… Solutions Framework Management Solutions Financial Solutions Insurance Solutions  Process Re-engineering  Process/ Accounting/HR manuals  Organization Restructuring  Business Strategy  Financial and Business feasibility  Budgets and forecast systems  Cost reduction  Fund Raising Solutions  Project Finance  Trade Finance  Working Capital Finance  Real Estate Finance  Angel Equity  Private Equity  Finance on pledge of shares  Financial feasibility  Financial re-structuring  Financial appraisal  Post Transaction integration  Medical Insurance  Life Insurance  Fire Insurance  Motor Insurance  Marine, Hull Insurance  Third Party Liability  Professional Indemnity

17. * Thank You www.investgic.com rajiv@investgic.com 050-8846602