#A

     ,MAK+ BUSI;S F9.E
          "W = Y3
        ,EXP&$ $I;N
      ,BRITI% ,BUSI;S
           ,BANK
      BRITI%-BUSI;S-"
         BANK4CO4UK
        "33333333333
  ,WE "K T "U/&+ ! _M DI6]5T
TYPES ( F9ANCIAL PRODUCT 9 !
M>KETPLACE & H[ !Y CD
SUPPORT YR BUSI;S C 2
DI6ICULT4
  ,\R ^7,MAK+ BUSI;S F9.E "W
= Y GUIDE^' IS DESIGN$ TO
HELP Y MAKE AN 9=M$ *OICE AB
A3ESS+ ! "R TYPE ( F9.E = YR
BUSI;S4
  ,9 ? EXP&$ $I;N ( ! GUIDE1
WE'VE HI<LI<T$ ! N9E MO/
COMMON *ALL5GES Y MI<T FACE1
& ! TYPES ( F9.E T CD HELP Y
MEET !M1 TO HELP Y MOVE YR
BUSI;S =W>D4
        "33333333333
     #A4 />T+ A BUSI;S    #B
           ,3T5TS
#A4 ,/>T+ A BUSI;S ---- #B
#B4 ,RESE>* & DEVELOP;T #AE
#C4 ,IMPORT+ & EXPORT+
  GDS & S]VICES ------- #BB
#D4 ,PROTECT+ CA% FL[ &
  "W+ CAPITAL --------- #BG
#E4 ,DEBT 3SOLIDA;N --- #DC
#F4 ,PUR*AS+ A MAJOR
  ASSET --------------- #DG
#G4 ,SCAL+ & GR[+ A
  BUSI;S -------------- #EC
#H4 ,:AT >E YR OP;NS IF
  YR LOAN APPLICA;N HAS
  BE5 TURN$ D[N ------- #FC
#I4 ,GETT+ YR BUSI;S
  R1DY = F9.E --------- #GD
,3TACT ---------------- #HC
        "33333333333
     #A4 ,/>T+ A BUSI;S
  ,/>T+ A NEW BUSI;S (T5
REQUIRES CAPITAL ,- M"OY T
IS US$ TO HELP RESE>* YR
BUSI;S IDEA1 CR1TE A
PROTOTYPE PRODUCT1 OR
PUR*ASE EQUIP;T OR MA*9]Y T
     #A4 />T+ A BUSI;S    #C
YR NEW BUSI;S W USE4
  ,/>T+ A NEW V5TURE C 2
?RILL+ ,- YET AL F9ANCIALLY
*ALL5G+ = NEW BUSI;S [N]S4
  ,(T51 ! F/ HURDLE T BUDD+
5TREPR5EURS FACE IS SECUR+ !
NEC FUNDS TO BR1! LIFE 9TO
_! BUSI;S DR1M4
  ,"! >E _M R1SONS A />T-UP
REQUIRES 9ITIAL FUND+1 S* Z3
    ^7,RESE>* & DEVELOP;T3^'
"U/&+ ! M>KET & POT5TIAL
CU/OM]S IS IMPORTANT4 ,FUND+
C 2 US$ = 3DUCT+ M>KET
/UDIES1 SURVEYS1 & TE/S T
(F] 9SI<TS 9TO ! VIABIL;Y (
YR BUSI;S IDEA
    ^1,PROTOTYP+3 = PRODUCT-
BAS$ BUSI;SES1 CR1T+ AN
9ITIAL V].N OR PROTOTYPE C
REQUIRE SIGNIFICANT
RES\RCES1 F MAT]IALS TO
MA*9]Y OR EV5 S(TW>E
DEVELOP;T TOOLS
    ^7,9V5TORY & /OCK3^'
RETAIL]S & MANUFACTUR]S MI<T
     #A4 />T+ A BUSI;S    #D
NE$ 9ITIAL CAPITAL TO
PUR*ASE /OCK OR RAW
MAT]IALS1 5SUR+ !Y'RE R1DY
TO MEET CU/OM] DEM&
    ^1,OP]A;NAL ^1EXP5SES3
R5T = A PHYSICAL LOCA;N1
UTILITIES1 9ITIAL SAL>IES =
ESS5TIAL /AFF1 & SETT+ UP A
FUNC;NAL "WSPACE C REQUIRE A
SUB/ANTIAL UPFRONT 9VE/;T
    ^7,M>KET+ & BR&+3^'
BUILD+ AW>E;S C 2 IMPORTANT
= ANY NEW BUSI;S1 S* Z FUND+
M>KET+ CAMPAIGNS1 CR1T+ A
BR& ID5T;Y1 & E/ABLI%+ AN
ONL9E PRES;E
    ^7,LIC;ES & 9SUR.E3^'
COMPLY+ ) REGULA;NS C M1N
SECUR+ C]TA9 LIC5SES OR BUY+
REQUIR$ 9SUR.E1 S* Z FOOD
SAFETY OR PUBLIC LIABIL;Y
9SUR.E
    ^1,3T+5CY3 A F9ANCIAL
SAFETY NET C 2 9VALUABLE
DUR+ UN=ESE5 *ALL5GES :5
/>T+ UP TO 5SURE T Y DON'T
     #A4 />T+ A BUSI;S    #E
RUN \ ( CA%4
  ,_M NEW BUSI;S [N]S USE _!
P]SONAL SAV+S OR M"OY
PROVID$ BY FRS OR FAMILY4
  ,Y MI<T AL 9VE/IGATE
ADDI;NAL S\RCES ( FUND+1 & ?
IS G5]ALLY "KN Z ^1PRE-SE$
^1CAPITAL4
      ,PRE-SE$ CAPITAL
  ,PRE-SE$ CAPITAL IS !
E>LIE/ /AGE ( FUND+ NE$$ TO
/>T A BUSI;S4
  ,X IS PROVID$ TO BUSI;S
[N]S LOOK+ TO EXP& ON AN
9ITIAL BUSI;S IDEA OR 3CEPT4
  ,X IS (T5 US$ = ACTIVITIES
S* Z 3DUCT+ ^1M>KET ^1RESE>*
.<HTTPS3_/_/WWW4/>TUPLOANS4"
CO4UK_/BUSI;S-GUID.E_/:AT-"
IS-M>KET-RESE>*_/.> & CR1T+
^1PROTOTYPES .<HTTPS3_/_/"
WWW4/>TUPLOANS4CO4UK_/"
BUSI;S-GUID.E_/H[-TO-BUILD-"
A-PROTOTYPE-=-A-/>TUP-"
BUSI;S_/.> OR M9IMUM VIABLE
PRODUCTS "<,,MVP,'S">4
     #A4 />T+ A BUSI;S    #F
  ,PRE-SE$ FUND+ (T5 COMES F
A BUSI;S [N]'S P]SONAL SAV+S
Z WELL Z F FRS OR FAMILY
MEMB]S4
  ,F9D \ M AB ^1PRE-SE$
^1CAPITAL4 .<HTTPS3_/_/WWW4"
/>TUPLOANS4CO4UK_/BUSI;S-"
GUID.E_/:AT-IS-PRE-SE$-"
FUND+_/.>
  ,"! >E DI6]5T S\RCES (
PRE-SE$ CAPITAL T Y C
EXPLORE :5 SEEK+ FUND+ = YR
/>T-UP BUSI;S1 9CLUD+
^7ANGEL 9VE/;T1 BUSI;S
LOANS^' & ^1EQU;Y
^1CR[DFUND+4
  ,ANGEL 9VE/;T
  ,BUSI;S LOANS
  ,EQU;Y CR[DFUND+

,/>T ,UP ,LOAN4
  ,? IS A GOV]N;T-BACK$1
FIX$ 9T]E/ P]SONAL LOAN TO
HELP />T OR GR[ A BUSI;S4
  ,ELIGIBLE ,,UK-BAS$ F.D]S
/>T+ A NEW BUSI;S OR ^?
     #A4 />T+ A BUSI;S    #G
TRAD+ = NO M ?AN #CF MON?S C
BORR[ UP TO @L#BE1JJJ1 ) A
FIX$ 9T]E/ RATE ( #F.0 P]
ANNUM4
  ,"! IS A RANGE ( PRE & PO/
LOAN SUPPORT ON (F] 9CLUD+
^7,LE>N ) ,/>T ,UP ,LOANS^'
.<HTTPS3_/_/WWW4/>TUPLOANS4"
CO4UK_/LE>N-)-/>T-UP-"
LOANS_/.> & \R ^7,BUSI;S
,GUID.E 5CYCLOPA$IA^'
HTTPS3_/_/WWW4/>TUPLOANS4"
CO4UK_/BUSI;S-GUID.E_/.>
:IL/ SU3ESS;L APPLICANTS AL
RCV #AB MON?S ( FREE M5TOR+4
  ,BUSI;S [N]S :O H ALR
SECUR$ A ,/>T ,UP ,LOAN & H
BE5 TRAD+ = NO M ?AN FIVE
YE>S MAY 2 ELIGIBLE = A
^1SECOND ^1LOAN4 .<
HTTPS3_/_/WWW4/>TUPLOANS4"
CO4UK_/SECOND-LOANS_/.>
  ,Y AL H ! OPPORTUN;Y TO
^7TRAN*E YR LOAN1^'
.<HTTPS3_/_/WWW4/>TUPLOANS4"
CO4UK_/BOO/-YR-BUSI;S-"
     #A4 />T+ A BUSI;S    #H
RESILI;E-)-A-TRAN*E-LOAN_/.>
DRAW+ D[N "P ( YR LOAN F/1 &
!N ! RE/ LAT] IF Y NE$ X4
  ,F9D \ M AB A ^7,/>T ,UP
,LOAN4^' .<HTTPS3_/_/WWW4"
/>TUPLOANS4CO4UK_/:AT-IS-A-"
/>T-UP-LOAN_/.>

,WOR? "K+4
  ,/>T ,UP ,LOANS (F]S A
GOV]N;T-BACK$ #F.0 FIX$
9T]E/ P]SONAL LOAN ( UP TO
^1@L#BE1JJJ TO HELP F.D]S
/>T OR GR[ A BUSI;S4
         ,DEBT F9.E
  ,? 9VOLVES A BUSI;S BORR[+
AN AM.T ( M"OY OR PUR*AS+ AN
ASSET ) F9.E T IS PD BACK )
9T]E/ OV] AN AGRE$ P]IOD (
"T4 ,COMMON =MS ( DEBT F9.E
9CLUDE3

,LOANS4
  ,BUSI;S LOANS >E USUALLY
(F]$ BY A RANGE ( PROVID]S
,- F HI< /REET BANKS TO
     #A4 />T+ A BUSI;S    #I
SPECIALI/ BUSI;S L5D]S ,- &
MAY 2 ^1SECUR$ OR
^1UNSECUR$4
    ^1,SECUR$ ^1LOANS USE
ASSETS YR BUSI;S [NS ,- S* Z
PROP]TY OR MA*9]Y & /OCK ,-
Z SECUR;Y
    ^1,UNSECUR$ ^1LOANS C 2
BORR[$ )\T US+ ANY ASSETS Z
SECUR;Y4 ,Z A RESULT1
UNSECUR$ LOANS TYPICALLY H
HI<] 9T]E/ RATES ?AN SECUR$
LOANS Z !Y >E M RISKY ?AN
SECUR$ L5D+4
  ,L5D]S TYPICALLY LOOK =
BUSI;SES ) A TRAD+ HI/ORY &
A PROV5 TRACK RECORD4
  ,? M1NS T E>LY-/AGE />TUPS
MAY /RU7LE TO GET A LOAN4
  ,IF T'S ! CASE A F.D] MAY
WANT TO 3SID] A ^7,/>T ,UP
,LOAN^' .<HTTPS3_/_/WWW4"
/>TUPLOANS4CO4UK_/:AT-IS-A-"
/>T-UP-LOAN_/.> : C CAT] TO
^? :O H BE5 TURN$ D[N = F9.E
ELSE":4
     #A4 />T+ A BUSI;S   #AJ
  ,"! >E AL "S L5D]S1 S* Z
^7,COMMUN;Y ,DEVELOP;T ,F9.E
,9/ITU;NS "<,,CDFI,'S">1^'
.<HTTP3_/_/COMMUN;Y-"
DEVELOP;T-F9.E-9/ITU;NS-"
"<CDFIS">_/.> T 3SID]
APPLICA;NS F BUSI;SES )
LIMIT$ ASSETS1 TRAD+
HI/ORIES OR TRACK RECORDS4
  ,F9D \ M AB ^1BUSI;S
^1LOANS4

,OV]DRAFTS4
  ,AN OV]DRAFT IS A L9E (
CR$IT ON YR BUSI;S BANK A3.T
T PROVIDES A3ESS TO M %ORT-
T]M FUND+ ?AN YR BUSI;S'S [N
CAPITAL4
  ,UNLIKE LOANS : H A FIX$
REPAY;T FEE1 Y ONLY PAY
9T]E/ ON ! AM.T Y'RE
OV]DRAWN4
  ,H["E1 ! BANK W USUALLY
*>GE A FEE = >RANG+ !
OV]DRAFT1 & IF Y'RE LATE OR
MISS A REPAY;T1 Y'LL 2 *>G$
     #A4 />T+ A BUSI;S   #AA
A FEE T CD A6ECT YR ^1CR$IT
^1RAT+4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/H[-DOES-MY-"
BUSI;S-CR$IT-SCORE-IMPACT-"
MY-F9.E-OP;NS_/.>
  ,OV]DRAFTS G5]ALLY H A
HI<] 9T]E/ RATE ?AN BUSI;S
LOANS4
  ,F9D \ M AB ^1OV]DRAFTS4
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/BUSI;S-OV]DRAFT_/.>

,ANGEL 9VE/;T4
  ,ANGEL 9VE/ORS >E (T5
E/ABLI%$ 5TREPR5EURS OR P )
EXT5SIVE BUSI;S EXP]I;E :O
USE _! [N M"OY 9 EX*ANGE =
AN EQU;Y /AKE 9 YR BUSI;S4
  ,? M1NS T 9 EX*ANGE =
9VE/+ _! M"OY 9 YR />TUP1 !Y
W [N A P]C5TAGE ( YR BUSI;S4
  ,Z WELL Z FUND+1 ANGEL
9VE/ORS C PROVIDE VALUABLE
BUSI;S GUID.E & A3ESS TO A
     #A4 />T+ A BUSI;S   #AB
NET"W ( 3NEC;NS T MAY AL
PROVE V VALUABLE4
  ,X'S TYPICAL = AN ANGEL
9VE/OR TO WANT "S 9PUT 9TO !
BUSI;S'S DECI.N MAK+ S A
F.D] %D 2 PREP>$ = ?4
  ,! ^7,SE$ ,5T]PRISE
,9VE/;T ,S*EME "<,,SEIS">^'
.<HTTPS3_/_/WWW4GOV4UK_/"
GUID.E_/V5TURE-CAPITAL-"
S*EMES-APPLY-TO-USE-!-SE$-"
5T]PRISE-9VE/;T-S*EME.> (F]S
TAX RELIEF 9C5TIVES TO ANGEL
9VE/ORS TO 5C\RAGE 9VE/+ 9
SMALL] BUSI;SES4
  ,! ^7,F9.E ,HUB HAS A
*ECKLI/^' .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/ANGEL-*ECKLI/_/.>
( ! /EPS Y MI<T WANT TO
3SID] 9 ORD] TO PREP>E YR
BUSI;S = ^1ANGEL ^19VE/;T
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/ANGEL-9VE/;T_/.> & LE>N
M AB ANGEL 9VE/ORS & _!
     #A4 />T+ A BUSI;S   #AC
POT5TIAL B5EFITS = YR />T-
UP4

,EQU;Y CR[DFUND+4
  ,? 9VOLVES LI/+ YR BUSI;S
ON AN ONL9E PLAT=M T ALL[S
9VE/ORS & MEMB]S ( ! PUBLIC
TO BUY %>ES 9 YR BUSI;S4
  ,"! >E V>I\S ^7EQU;Y
CR[DFUND+ PLAT=MS4^'
.<HTTPS3_/_/WWW4UKCFA4ORG4"
UK_/AB\T-US_/_?MEMB]S.>
  ,!Y ALL[ Y TO R1* P :O
MI<T O!RWISE N H "KN AB YR
BUSI;S1 B "!'S NO GU>ANTEE (
SU3ESS & PLAT=MS (T5 *>GE A
SU3ESS & LI/+ FEE4
  ,! ^7,5T]PRISE ,9VE/;T
,S*EME "<,,EIS">^'
.<HTTPS3_/_/WWW4GOV4UK_/"
GUID.E_/V5TURE-CAPITAL-"
S*EMES-APPLY-=-!-5T]PRISE-"
9VE/;T-S*EME.> & ^7,SE$
,5T]PRISE ,9VE/;T ,S*EME
"<,,SEIS">^' .<HTTPS3_/_/"
WWW4GOV4UK_/GUID.E_/V5TURE-"
     #A4 />T+ A BUSI;S   #AD
CAPITAL-S*EMES-APPLY-TO-"
USE-!-SE$-5T]PRISE-9VE/;T-"
S*EME.> (F] TAX RELIEF
9C5TIVES TO CR[DFUND+
9VE/ORS4
  ,F9D \ M AB ^1EQU;Y
^1CR[DFUND+4 .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/F9.E-HUB_/EQU;Y-"
CR[DFUND+_/.>

,MEZZAN9E F9.E4
  ,? IS A HYBRID =M ( FUND+
T BL5DS DEBT & EQU;Y F9.E4
  ,A F"U (F]S A BUSI;S A
LOAN : ! BUSI;S AGREES TO
REPAY ) 9T]E/4
  ,H["E1 %D ! BUSI;S 2
UNABLE TO MEET ! REPAY;TS1 !
DEBT CD 2 3V]T$ 9TO %>ES 9 !
COMPANY4
  ,X'S G5]ALLY US$ = L>G]
FUNDS ?AN ^? REQUIR$ BY A
SMALL] />T-UP BUSI;S4
  ,F9D \ M AB ^1MEZZAN9E
^1F9.E4 .<HTTPS3_/_/WWW4"
         #B4 RESE>*      #AE
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/IS-MEZZAN9E-F9.E-"
"R-=-YR-BUSI;S_/.>
        "33333333333
       #B4 ,RESE>* &
         DEVELOP;T
  ,RESE>* & DEVELOP;T
"<,R@&,D"> IS :5 A BUSI;S
DEVELOPS 9NOVATIVE PRODUCTS1
S]VICES1 OR PROCESSES4
  ,= _M />T-UPS1 "PICUL>LY
^? 9 TE*NOLOGY-DRIV5 OR
9NOVATIVE SECTORS1 ,R@&,D
PLAYS A C5TRAL ROLE 9 _!
BUSI;S IDEA ) FUND+ US$ = A
RANGE ( 9ITIAL ,R@&,D
ACTIVITIES S* Z3
  ^1,IDEA ^1VALIDA;N ,R@&,D
ALL[S 5TREPR5EURS TO TE/ !
F1SIBIL;Y ( _! BUSI;S IDEA4
,X C 5SURE T ! PRODUCT OR
S]VICE FILLS A G5U9E M>KET
GAP & MEETS CU/OM]
EXPECTA;NS
  ^7,TOOL+ & TE*NOLOGIES^'
DEVELOP+ AN 9NOVATIVE
         #B4 RESE>*      #AF
PRODUCT C M1N 9VE/+ 9 NEW
TE*NOLOGIES1 TOOLS1 OR
ME?ODOLOGIES
  ^7,PROTOTYP+ & TE/+^' 2F A
PRODUCT HITS ! M>KET1 X MAY
"UGO S"EAL IT]A;NS1 & FUND+
C SUPPORT ! CR1;N (
PROTOTYPES & TE/+ TO REF9E !
F9AL PRODUCT
  ^1,SPECIALIS$ ^1SKILLS
,R@&,D MAY NE$ ! EXP]TISE (
PR(ES.NALS :O POSSESS
SPECIALI/ SKILLS1 & SAL>IES
C 2 CO/LY
  ^1,9TELLECTUAL ^1PROP]TY
PROTECT+ 9NOVA;NS "? PAT5TS1
TRADEM>KS1 OR COPY"RS C
9VOLVE SIGNIFICANT LEGAL
CO/S
  ^1,M>KET ^1RESE>* "U/&+
CU/OM] NE$S C 9VOLVE M>KET
RESE>*1 SURVEYS1 &
POT5TIALLY EV5 FOCUS GR\P
/UDIES
  ,FUND+ IS USUALLY NE$$ =
,R@&,D ACTIVITIES1 ) A RANGE
         #B4 RESE>*      #AG
( SPECIALI/ FUND+ S* Z
GRANTS T >E DESIGN$ TO HELP
) ,R@&,D CO/S4
       ,R@&,D GRANTS
  ,? IS M"OY US$ TO FUND
,R@&,D PROJECTS T DOESN'T H
TO 2 PD BACK4
  ,! GRANTS C FUND
ACTIVITIES S* Z GETT+ HELP F
EXP]TS & A3ESS+ SPECIALI/
EQUIP;T TO CR1TE PRODUCT
PROTOTYPES4
  ,! GOV]N;T PROVIDES ,R@&,D
GRANTS "? ^7,,UK ,RESE>* &
,9NOVA;N1^' .<HTTPS3_/_/"
WWW4UKRI4ORG_/.> : BR+S TGR
^7SEV5 RESE>* C\NCILS1^'
.<HTTPS3_/_/WWW4UKRI4ORG_/"
C\NCILS_/.> ^1,RESE>*
^1,5GL&1 .<HTTPS3_/_/WWW4"
UKRI4ORG_/C\NCILS_/RESE>*-"
5GL&_/.> & BUSI;S-L$ 9NOVA;N
AG5CY1 ^1,9NOVATE ^1,,UK4
.<HTTPS3_/_/WWW4UKRI4ORG_/"
C\NCILS_/9NOVATE-UK_/.>
  ,R@&,D GRANT S*EMES C 2 V
         #B4 RESE>*      #AH
COMPETITIVE1 & APPLY+ C 2
COMPLICAT$4
  ,9NOVATIVE COMPANIES 9 ALL
9DU/RIES C 9 !ORY B5EFIT F
,R@&,D GRANTS1 B BUSI;SES 9
SECTORS S* Z TE*NOLOGY &
SCI5TIFIC RESE>* MAY 2 MO/
LIKELY TO 2 SU3ESS;L )
APPLICA;NS4
  ,F9D \ M AB ^1,R@&,D
^1GRANTS4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/RD-GRANTS-=-"
SMALL]-BUSI;SES_/.>
     ,R@&,D TAX RELIEF
  ,BUSI;SES ) A PROJECT T
MEETS ^7! /&>D DEF9I;N (
,R@&,D^' .<HTTPS3_/_/WWW4"
GOV4UK_/GOV]N;T_/"
PUBLICA;NS_/GUIDEL9ES-ON-!-"
M1N+-(-RESE>*-&-DEVELOP;T-"
=-TAX-PURPOSES.> MAY 2 ABLE
TO CLAIM A R$UC;N 9 _!
,CORPORA;N ,TAX BILL4
  ,! TYPE ( ,R@&,D TAX
RELIEF Y C CLAIM DEP5DS ON !
         #B4 RESE>*      #AI
SIZE ( YR BUSI;S & :E!R !
PROJECT HAS BE5 SUBCONTRACT$
TO Y OR N4
  ,SMALL] BUSI;SES MAY 2
ABLE TO CLAIM ^7SMALL &
M$IUM-SIZ$ 5T]PRISE
"<,,SME"> ,R@&,D TAX
RELIEF1^' .<HTTPS3_/_/WWW4"
GOV4UK_/GUID.E_/CORPORA;N-"
TAX-RESE>*-&-DEVELOP;T-TAX-"
RELIEF-=-SMALL-&-M$IUM-"
SIZ$-5T]PRISES.> :ILE L>G]
COMPANIES & ,,SME,'S
SUBCONTRACT$ TO D ,R@&,D "W
BY A L>GE COMPANY MAY 2 ABLE
TO CLAIM ^7,R@&,D EXP5DITURE
CR$IT "<,,RDEC">4^'
.<HTTPS3_/_/WWW4GOV4UK_/"
GUID.E_/CORPORA;N-TAX-"
RESE>*-&-DEVELOP;T-TAX-"
RELIEF-=-L>GE-COMPANIES.>
  ,F9D \ M AB ^7CLAIM+
RESE>* & DEVELOP;T TAX
RELIEF4^' .<HTTPS3_/_/WWW4"
GOV4UK_/GUID.E_/CORPORA;N-"
TAX-RESE>*-&-DEVELOP;T-RD-"
         #B4 RESE>*      #BJ
RELIEF.>
        ,ASSET F9.E
  ,? ALL[S A BUSI;S TO
ACQUIRE ASSETS )\T PUTT+
ADDI;NAL PRESSURE ON CA% FL[
OR NE$+ TO RAISE A
SIGNIFICANT AM.T ( "W+
CAPITAL 2F PUR*ASE1 B ! F9.E
IS SECUR$ ON ! ASSET1 "!=E
IF Y >E UNABLE TO MEET !
REPAY;TS ! ASSET CD 2 TAK5
BACK BY ! L5D]4
  ,SEE ! 8PUR*AS+ A MAJOR
ASSET0 SEC;N = FULL DETAILS4
  ,F9D \ M AB ^1ASSET
^1F9.E4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/ASSET-BAS$-"
L5D+_/.>
      ,OV]DRAFT _/ "W+
       CAPITAL CR$IT
  ,AN OV]DRAFT IS A L9E (
CR$IT ON YR BUSI;S BANK A3.T
T PROVIDES M CA% ?AN YR
BUSI;S HAS Z XS [N CAPITAL4
  ,SEE ! 8/>T+ A BUSI;S0
         #B4 RESE>*      #BA
SEC;N = FULL DETAILS4
  ,F9D \ M AB ^1OV]DRAFTS4
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/BUSI;S-OV]DRAFT_/.>
  ,"W+ CAPITAL CR$IT "<AL
"KN Z A "W+ CR$IT REVOLV]">
IS A L9E ( CR$IT ": !
AVAILABLE AM.T = BORR[+ IS
L9K$ TO A BUSI;S'S BAL.E
%EET4
  ,X IS USUALLY SECUR$
FUND+4
  ,F9D \ M AB ^7"W+ CAPITAL
CR$IT4^' .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/"W+-CAPITAL-F9.E-"
OP;NS_/.>
         ,WOR? "K+
  ,9NOVATE ,,UK IS ! ,,UK'S
NA;NAL 9NOVA;N AG5CY T
PROVIDES FUND+ TO HELP
BUSI;SES GR[ "? ! DEVELOP;T
& COMM]CIALISA;N ( NEW
PRODUCTS1 PROCESSES1 &

        #C4 IMPORT+      #BB
S]VICES4
        "33333333333
       #C4 ,IMPORT+ &
        EXPORT+ GDS
         & S]VICES
  ^7,BUSI;SES SELL+ GDS OR
S]VICES OV]S1S^'
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/EXPORT-F9.E_/.> FACE
RISKS :5 X COMES TO CA% FL[
& RCVG PAY;T F BUY]S4
  ,:ILE ! GLOBAL M>KET CD
(F] IMM5SE POT5TIAL1
NAVIGAT+ ! 9TRICACIES (
IMPORT+ & EXPORT+ C 2 A
COMPLEX & EXP5SIVE V5TURE4
  ,PROP] FUND+ C HELP 5SURE
T YR BUSI;S C H&LE !
LOGI/ICAL & REGULATORY
*ALL5GES1 Z WELL Z LAY !
F.DA;N = OV]S1S EXPAN.N S*
Z3
    ^1,9ITIAL ^1/OCK+3
IMPORT+ (T5 9VOLVES BUY+ 9
BULK TO A*IEVE ECONOMIES (
        #C4 IMPORT+      #BC
SCALE
    ^7,CU/OMS DUTIES &
TAXES3^' IMPORT+ GDS C
ATTRACT CU/OMS DUTIES &
TAXES1 & CO/S C V>Y BY C.TRY
& PRODUCT
    ^1,%IPP+ ^1CO/S3
TRANSPORT+ GDS ACR BORD]S1 2
X BY SEA1 AIR1 OR L&1 9CURS
SIGNIFICANT CO/S1 ESPECIALLY
:5 D1L+ ) L>GE QUANTITIES OR
DELICATE ITEMS
    ^1,COMPLI.E3 DI6]5T
C.TRIES H DIV]SE REGULA;NS
3C]N+ PRODUCT /&>DS1 SAFETY1
& QUAL;Y1 : C 2 CO/LY TO
5SURE COMPLI.E
    ^1,9SUR.E3 ! 9T]NA;NAL
TRANSIT ( GDS C>RIES RISKS
S* Z DAMAGE1 !FT1 OR LOSS1
MAK+ 9SUR.E AN ESS5TIAL CO/
    ^1,LOCAL ^1REPRES5TA;N3
E/ABLI%+ LOCAL (FICES1
W>EH\SES1 OR HIR+
REPRES5TATIVES 9 ! T>GET
C.TRY C /R1ML9E OP]A;NS B
        #C4 IMPORT+      #BD
MAY REQUIRE F9ANCIAL \TLAY
    ^1,CURR5CY ^1FLUCTUA;NS3
CURR5CY VALUE C FLUCTUATE1
POT5TIALLY IMPACT+ PR(ITS ,-
HAV+ A BU6] C HELP NAVIGATE
^! F9ANCIAL E2S & FL[S4
  ,"! >E V>I\S F9.E PRODUCTS
T C SUPPORT EXPORT+ GDS &
S]VICES4
        ,TRADE "<OR
       EXPORT"> F9.E
  ,TRADE F9.E PROVIDES
GU>ANTEES & ADV.E PAY;TS4
  ,PRODUCTS 9CLUDE3
    ^7,LRS ( CR$IT3^' A
LEGALLY B9D+ GU>ANTEE F A
BANK T A SELL] ( GDS W RCV
PAY;T F A BUY] IF ! GDS OR
S]VICES >E DELIV]$ ON "T
    ^7,EXPORT CR$IT
9SUR.E3^' AN 9SUR.E POLICY T
PROTECTS AN EXPORT] F N RCVG
PAY;T F ! BUY]
    ^1,BONDS3 ? PROVIDES A
GU>ANTEE TO ! IMPORT] %D !
EXPORT] N MEET ! OBLIGA;NS (
        #C4 IMPORT+      #BE
! 3TRACT
    ^7,SUPPLY *A9 F9.E3^' ?
TYPE ( F9.E HELPS BUSI;SES
MANAGE _! "W+ CAPITAL4 ,X
9VOLVES A SUPPLI] RCVG E>LY
PAY;T ( AN 9VOICE BY A F9.E
COMPANY4 ,! BUSI;S T HAS
PUR*AS$ ! GDS OR S]VICE !N
PAYS ! F"U ONCE ! 9VOICE IS
DUE4 ,F9D \ M AB ^7SUPPLY
*A9 F9.E^'.<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/:AT-IS-SUPPLY-"
*A9-F9.E_/.>
    ^7,,UK ,EXPORT ,F9.E
"<,,UKEF"> ,G5]AL ,EXPORT
,FACIL;Y3^' ,,UKEF IS ! ,,UK
GOV]N;T'S EXPORT CR$IT AG5CY
,- F9D \ M ^1AB ^1,,UKEF4 .<
HTTPS3_/_/WWW4UKEXPORTF9.E4"
GOV4UK_/.> ,! ^7,G5]AL
,EXPORT ,FACIL;Y^' "<,,GEF">
.<HTTPS3_/_/WWW4GOV4UK_/"
GUID.E_/G5]AL-EXPORT-"
FACIL;Y.> PROVIDES "PIAL
GU>ANTEES TO BANKS TO HELP
        #C4 IMPORT+      #BF
,,UK EXPORT]S GA9 A3ESS TO
TRADE F9.E FACILITIES4 ,?
ALL[S BUSI;SES TO UNLOCK "W+
CAPITAL TO SUPPORT BUSI;S
GR[? )\T ! NE$ = A SPECIFIC
EXPORT 3TRACT4 ,BUSI;SES C
USE ! FUND+ TO COV] "EY"D
CO/S L9K$ TO EXPORT+4 ,,GEF
ALL[S EXPORT]S TO A3ESS CA%
FACILITIES S* Z TRADE LOANS1
& 3T+5T OBLIGA;N FACILITIES
S* Z BOND+ & LR ( CR$IT L9ES
    ^7,,UKEF ,BOND ,SUPPORT
,S*EME3^' IF YR BUSI;S W9S
AN EXPORT 3TRACT1 Y MI<T NE$
TO PROVIDE A BOND4 ,A BOND C
(T5 2 PROVID$ BY ! EXPORT]'S
BANK1 AL? COLLAT]AL IS
USUALLY REQUIR$ : C PUT
PRESSURE ON ! EXPORT]'S CA%
FL[ OR "W+ CAPITAL4 ,TO D1L
) ?1 ! ,,UKEF ,BOND ,SUPPORT
,S*EME PROVIDES A GU>ANTEE (
UP TO #HJ.0 ( ! VALUE ( !
BOND4
  ,F9D \ M AB ^1TRADE
      #D4 PROTECT+ CA%   #BG
^1F9.E4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/:AT-IS-TRADE-"
F9.E-&-H[-DOES-X-"W_/.>

,WOR? "K+4
  ,E/ABLI%$ 9 #AIAI Z ! _W'S
F/ EXPORT CR$IT AG5CY1 ,,UK
,EXPORT ,F9.E HELPS EXPORT]S
A3ESS F9.E & 9SUR.E TO
SUPPORT _! BUSI;S4
        "33333333333
     #D4 ,PROTECT+ CA%
     FL[ & "W+ CAPITAL
  ,CA% FL[ C 2 UNPR$ICTABLE
= SMALL COMPANIES4
  ,UN=ESE5 CO/S1 S1SONAL
FLUCTUA;NS1 & WID] ECONOMIC
*ALL5GES C ALL IMPACT BUSI;S
GR[?4
  ,A WELL-FUND$ BUSI;S MAY 2
BETT] ABLE TO )/& M>KET
*ALL5GES1 SEIZE GR[?
OPPORTUNITIES1 OP]ATE ON A
S.D F9ANCIAL FOOT+1 & 2
BETT] PLAC$ TO )/& ISSUES S*
      #D4 PROTECT+ CA%   #BH
Z3
    ^1,OP]A;NAL ^13SI/5CY3
"D-TO-"D OP]A;NS1 F PAY+
WAGES TO SETTL+ UTIL;Y
BILLS1 C REQUIRE FUNDS
    ^7,NE$+ A CA% BU6]3^'
9VOIC$ PAY;TS1 ESPECIALLY 9
,B#B,B TRANSAC;NS1 C "S"TS
FACE DELAYS
    ^1,S1SONAL ^1FLUCTUA;NS3
FUND+ MAY HELP 9 NAVIGAT+
S1SONAL P]IODS :5 REV5UES
MI<T 2 L[] ?AN USUAL
    ^1,9V5TORY ^1MANAGE;T3
RETAIL]S & MANUFACTUR]S MAY
NE$ FUNDS TO /OCK UP ON
9V5TORY
    ^1,OPPORTUNI/IC
^19VE/;TS3 A3ESS TO FUNDS
ALL[S BUSI;SES TO CAPITALISE
ON OPPORTUNITIES S* Z A BULK
4C.T )\T IMPACT+ CA% FL[
    ^1,DEBT ^1MANAGE;T3
FUND+ C HELP 5SURE T \T/&+
DEBTS OR F9ANCIAL OBLIGA;NS
>E MANAG$ PROMPTLY
      #D4 PROTECT+ CA%   #BI
    ^1,EXPAN.N3 :E!R X'S
OP5+ A NEW BRAN* OR LAUN*+ A
FRE% M>KET+ CAMPAIGN1
ADDI;NAL FUNDS HELP 5SURE T
GR[? OPPORTUNITIES C 2 SEIZ$
)\T JEOP>DIS+ ! EXI/+ CA%
FL[
    ^1,UN=ESE5
^1EXP5DITURES3 UNEXPECT$
EXP5SES1 S* Z EQUIP;T
BR1KD[NS C >ISE4
      ,9V5TORY F9ANC+
  ,A KEY CA% FL[ *ALL5GE IS
:5 NEW BUSI;S [N]S NE$ TO
BUY 9V5TORY 2F !Y C SELL X4
  ,F9.E PRODUCTS T CD
SUPPORT 9V5TORY F9ANC+
9CLUDE3

,PUR*ASE ORD] F9.E4
  ,SMALL BUSI;SES C "S"TS
/RU7LE TO FULFIL A L>GE ORD]
F A CU/OM] 2C !Y DON'T YET H
! FUNDS TO PAY _! SUPPLI]4
  ,? IS ": PUR*ASE ORD]
F9ANC+ "<,,PO F9ANC+"> CD
      #D4 PROTECT+ CA%   #CJ
HELP4
  ,! TYPICAL PROCESS = ,,PO
F9ANC+ IS T ONCE A BUSI;S
HAS BE5 APPROV$ BY A F9.E
PROVID]1 !Y RCV ! M"OY & USE
X TO PAY _! SUPPLI]4
  ,ONCE ! ORD] HAS BE5
DELIV]$ TO ! 5D CU/OM] & AN
9VOICE HAS BE5 S5T1 ! F9.E
PROVID] COLLECTS PAY;T F !
CU/OM]1 D$UCTS XS FEES1 &
S5DS ! REMA9+ AM.T TO !
BUSI;S T HAS DELIV]$ ! ORD]4
  ,UNLIKE O!R TYPES ( FUND+1
,,PO F9ANC+ IS AVAILABLE TO
BUSI;SES ( ALL SIZES 9CLUD+
NEW & GR[+ />T-UPS & SMALL]
BUSI;SES4
  ,EV5 BUSI;SES ) A L[ CR$IT
SCORE OR LIMIT$ CR$IT HI/ORY
MAY 2 ABLE TO A3ESS ,,PO
F9ANC+ 2C AN APPROVAL DECI.N
IS TYPICALLY BAS$ ON !
CR$ITWOR?I;S ( ! 5D CU/OM]4
  ,H["E1 ,,PO F9ANC+ C 2 AN
EXP5SIVE FUND+ OP;N 2C
      #D4 PROTECT+ CA%   #CA
PROVID]S TYPICALLY *>GE A
MON?LY FEE ( 2T #A4H.0 &
#F.04
  ,! L;G] YR CU/OM] TAKES TO
PAY ! 9VOICE1 ! M FEES Y W
PAY4
  ,F9D \ M AB ^7PUR*ASE ORD]
F9.E4^' .<HTTPS3_/_/WWW4"
/>TUPLOANS4CO4UK_/BUSI;S-"
GUID.E_/PUR*ASE-ORD]-"
F9ANC+-GUIDE-=-/>T-UPS_/.>

,OV]DRAFT FACILITIES OR
    REVOLV+ CR$IT4
  ,^! >E FLEXIBLE1 %ORT-T]M
FUND+ OP;NS T 5ABLE BUSI;SES
TO )DRAW CR$IT :5 REQUIR$4
  ,AN ^1OV]DRAFT IS A L9E (
CR$IT ON YR BUSI;S BANK A3.T
T PROVIDES ADDI;NAL CA% TO !
BUSI;S Z REQUIR$4
  ,AN OV]DRAFT *>GES 9T]E/
ONLY ON ! AM.T BY : Y'RE
OV]DRAWN1 UNLIKE LOANS : H
FIX$ REPAY;TS & 9T]E/ :E!R
OR N Y USE X4
      #D4 PROTECT+ CA%   #CB
  ,FLEXIBIL;Y IS A KEY
ADVANTAGE ( OV]DRAFTS1 & !Y
>E TYPICALLY QK & EASY TO
>RANGE4
  ,H["E1 OV]DRAFTS G5]ALLY H
HI<] 9T]E/ RATES ?AN LOANS1
& IF Y MISS A PAY;T1 Y MI<T
2 *>G$ A FEE : C A6ECT YR
CR$IT RAT+4
  ^1,REVOLV+ ^1CR$IT IS
SIMIL> TO AN OV]DRAFT1 B X
IS N L9K$ TO YR BANK A3.T4
  ,? M1NS Y C A3ESS X F
MULTIPLE L5D]S4
  ,L OV]DRAFTS1 FLEXIBIL;Y
IS A B5EFIT1 B REVOLV+ CR$IT
AL 9VOLVES HI<] 9T]E/ RATES
& FEES ?AN LOANS1 & Y MAY
NE$ TO GIVE A P]SONAL
GU>ANTEE TO A3ESS X4
  ,F9D \ M AB ^1OV]DRAFT
^1FACILITIES .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/F9.E-HUB_/BUSI;S-"
OV]DRAFT_/.> & ^1REVOLV+
^1CR$IT4 .<HTTPS3_/_/WWW4"
      #D4 PROTECT+ CA%   #CC
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/:AT-IS-A-"
REVOLV+-CR$IT-FACIL;Y.>

,SUPPLY *A9 F9.E4
  ,? TYPE ( F9.E HELPS
BUSI;SES MANAGE _! "W+
CAPITAL4 ,X 9VOLVES A
SUPPLI] RCVG E>LY PAY;T ( AN
9VOICE BY A F9.E COMPANY4 ,!
BUSI;S T HAS PUR*AS$ ! GDS
OR S]VICE !N PAYS ! F"U ONCE
! 9VOICE IS DUE4
  ,F9D \ M AB ^7SUPPLY *A9
F9.E4^' .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/:AT-IS-SUPPLY-"
*A9-F9.E_/.>
       ,ASSET F9ANC+
  ,? ALL[S A BUSI;S TO
ACQUIRE ASSETS1 REPLACE OLD
EQUIP;T1 OR EXP& OP]A;NS )\T
PUTT+ ADDI;NAL PRESSURE ON
CA% FL[ OR NE$+ TO RAISE A
SIGNIFICANT AM.T ( "W+
CAPITAL 2F PUR*ASE4
      #D4 PROTECT+ CA%   #CD
  ,TO A3ESS ! FUND+1 A
BUSI;S USES ASSETS ON XS
BAL.E %EET Z COLLAT]AL TO
FUND A PUR*ASE4
  ,ASSET F9.E OP;NS 9CLUDE3

,F9.E L1SE4
  ,A F9.E PROVID] PUR*ASES !
ASSET & L1SES X TO A BUSI;S4
,! LESSEE MAKES MON?LY
REPAY;TS4 ,! LESSEE IS AL
A3.TABLE = 9SUR+ & MA9TA9+ !
ASSET4

,3TRACT HIRE4
  ,? ME?OD IS (T5 US$ BY
BUSI;SES PUR*AS+ A FLEET (
VEHICLES4 ,X PROVIDES A3ESS
TO ! ASSET 9 RETURN = FIX$
R5TAL PAY;TS OV] A SET
P]IOD4 ,! PROVID] IS
RESPONSIBLE = S\RC+ &
MA9TA9+ ! VEHICLES4
  ,ASSET F9.E IS G5]ALLY
FLEXIBLE & QK TO >RANGE1 B Y
MAY FACE *>GES IF Y DEFAULT
      #D4 PROTECT+ CA%   #CE
ON PAY;TS OR DECIDE TO PAY
(F ! LOAN E>LY4
  ,ADDI;NALLY1 ! L5D] MAY
SEIZE ! ASSET Y'VE PUT UP Z
SECUR;Y & SELL X IF Y FAIL
TO MAKE PAY;TS4

,OP]AT+ L1SE4
  ,A BUSI;S L1SES AN ASSET
OV] A SPECIFI$ "TFRAME4 ,!Y
C POT5TIALLY UPGRADE TO A M
ADV.ED MODEL )9 ! R5TAL
P]IOD4 ,! F9.E PROVID] IS
A3.TABLE = MA9TA9+ ! ASSET4

,ASSET REF9ANC+4
  ,? FREES UP CA% BY US+
ASSETS 9 YR BUSI;S T Y ALR
[N "<S* Z MA*9]Y1 EQUIP;T1 &
VEHICLES"> Z SECUR;Y4
  ,BASICALLY1 Y TRANSF]
[N]%IP ( ! ASSET TO ! L5D] B
KEEP US+ ! ASSET1 PAY+ !
L5D] BACK MON?LY4
  ,:5 Y H REPD ! SUM L5T BY
! L5D] Y TAKE [N]%IP ( !
      #D4 PROTECT+ CA%   #CF
ASSET4
  ,? IS :Y ASSET REF9.E IS
"S"TS CALL$ A 8SALE &
L1SEBACK AGREE;T04
  ,9T]E/ *>GES = ASSET
REF9ANC+ T5D TO 2 LESS ?AN
O!R OP;NS1 & AN ADV]SE CR$IT
SCORE ISN'T USUALLY A
PROBLEM4
  ,H["E1 YR ASSET W 2 AT
RISK IF Y C'T KEEP UP
REPAY;TS & X W 2 M EXP5SIVE
?AN US+ YR [N CA% RES]VES4
  ,F9D \ M AB ^1ASSET
^1REF9ANC+4 .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/F9.E-HUB_/:AT-IS-"
ASSET-REF9ANC+_/.>
        ,LATE PAY;T
  ,AN E/IMAT$ ^7@L#BC4D
BILLION 9 LATE 9VOICES IS [$
TO ,,UK BUSI;SES4^'
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/H[-TO-D1L-)-LATE-"
PAY;TS_/.> ,X'S A P]5NIAL
      #D4 PROTECT+ CA%   #CG
PROBLEM T C H A SIGNIFICANT
NEGATIVE IMPACT ON CA% FL[4
  ,F9.E T CD HELP ) LATE
PAY;TS 9CLUDES3

,9VOICE F9.E4
  ,TAP 9TO ! VALUE ( UNPD
9VOICES BY US+ !M Z SECUR;Y
AG/ L5D+4
  ,) 9VOICE FACTOR+1 ! L5D+
PROVID] (F]S UP TO #IJ.0 ( !
VALUE ( AN 9VOICE & COLLECTS
PAY;T F ! CU/OM] 2F PAY+ !
L5DEE BUSI;S ! REMA9+ BAL.E
M9US A FEE4
  ,9VOICE 4C.T+ IS SIMIL> TO
FACTOR+1 B Y KEEP 3TROL (
CU/OM] PAY;TS4
  ,IF Y USE ! FUND+1 Y PAY A
FEE & A 4C.T *>GE "<L
9T]E/">4
  ,9VOICE F9.E IS USUALLY
ONLY AVAILABLE = E/ABLI%$
BUSI;SES T TRADE ) O!R
BUSI;SES4
  ,IF X TAKES M ?AN #IJ "DS
      #D4 PROTECT+ CA%   #CH
= CU/OM]S TO PAY 9VOICES1
PROVID]S MAY N APPROVE YR
APPLICA;N 2C !Y W H TO WAIT
TOO L;G TO RCV _! M"OY4
  ^1,? ^1*ECKLI/
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/9VOICE-F9.E-*ECKLI/_/.>
CD HELP Y DECIDE :E!R 9VOICE
F9.E IS SUITABLE = YR
BUSI;S4
  ,F9D \ M AB ^19VOICE
^1F9.E4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/9VOICE-F9.E_/.>

,"W+ CAPITAL LOANS4
  ,A "W+ CAPITAL LOAN C
PROVIDE AN 9JEC;N ( FUND+ TO
MANAGE CA% FL[ *ALL5GES4
  ,SECUR$ LOANS REQUIRE
COLLAT]AL S ! AM.T Y CD
BORR[ DEP5DS ON ! ASSETS Y C
PROVIDE Z SECUR;Y4
  ,UNSECUR$ LOANS >E AL
AVAILABLE1 B Y'LL LIKELY H
      #D4 PROTECT+ CA%   #CI
TO GIVE A P]SONAL GU>ANTEE &
W NE$ A GD CR$IT RAT+4
  ,F9D \ M AB ^7"W+ CAPITAL
LOANS4^' .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/"W+-CAPITAL-F9.E-"
OP;NS_/.>
  ,^! S*EMES ALL[ CU/OM]S TO
DELAY FULL PAY;T = PRODUCTS
OR S]VICES : C 5C\RAGE !M TO
MAKE A PUR*ASE !Y MI<T
O!RWISE N H MADE4
  ,IF A CU/OM] MISSES A
PAY;T1 !Y >E *>G$ 9T]E/ &
MAY AL 9CUR A LATE PAY;T
FEE4
     ,O!R F9.E SOLU;NS
      T C PROTECT CA%
     FL[ & "W+ CAPITAL3
,BUY ,N[ ,PAY ,LAT]
    "<,,BNPL">4
  ,^! S*EMES ALL[ CU/OM]S TO
DELAY FULL PAY;T = PRODUCTS
OR S]VICES : C 5C\RAGE !M TO
MAKE A PUR*ASE !Y MI<T
O!RWISE N H MADE4
      #D4 PROTECT+ CA%   #DJ
  ,IF A CU/OM] MISSES A
PAY;T1 !Y >E *>G$ 9T]E/ &
MAY AL 9CUR A LATE PAY;T
FEE4
  ,BUSI;SES >E *>G$ A FEE =
EA* COMPLET$ TRANSAC;N4
  ,? IS USUALLY 2T #B.0 &
#H.0 ( ! TOTAL AM.T4
  ,F9D \ M AB ^1,,BNPL4
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/B5EFITS-(-BUY-N[-PAY-"
LAT]-PAY;T-S*EMES-=-SMES_/.>

,M]*ANT CA% ADV.E4
  ,A M]*ANT CA% ADV.E
"<,,MCA"> IS = BUSI;SES T
A3EPT DEBIT & CR$IT C>D
PAY;TS4
  ,L5D]S PROVIDE A BUSI;S )
A SUM ( M"OY1 : X !N REPAYS
US+ A P]C5TAGE ( C>D
TRANSAC;N SALES1 PLUS FEES4
  ,,MCA,'S H AN ADVANTAGE
OV] TRADI;NAL LOANS 9 T !Y C
2 A3ESS$ )\T NE$+ TO PROVIDE
      #D4 PROTECT+ CA%   #DA
ASSETS = SECUR;Y1 S* Z
PROP]TY OR 9V5TORY4
  ,H["E1 ,,MCA FEES & 9T]E/
RATES T5D TO 2 HI<]1 & IF
PAY;TS >5'T MET1 BUSI;SES C
2 AT RISK ( 2+ UNABLE TO
S]VICE _! DEBT4
  ,F9D \ M AB ^7M]*ANT CA%
ADV.E4^' .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/SMALL-BUSI;S-"
GUIDE-TO-A-M]*ANT-CA%-"
ADV.E_/.>

,GRANTS4
  ,? IS FUND+ PROVID$ BY
PUBLIC SECTOR & PRIVATE
ORGANISA;NS T DOESN'T H TO 2
PD BACK4
  ,GRANT S*EMES >E USUALLY
FOCUS$ ON FACTORS S* Z A
SPECIFIC BUSI;S ACTIV;Y1
/AGE ( BUSI;S1 SECTOR1 F.D]
DEMOGRAPHIC & LOCA;N4
  ,"S GRANTS C 2 US$ TO D1L
) CA% FL[ *ALL5GES4
      #D4 PROTECT+ CA%   #DB
  ,GRANT S*EMES V>Y 9 H[ M*
M"OY Y CD RCV4
  ,= "S1 Y'LL RCV ! FULL
AM.T1 ":AS = O!RS Y NE$ TO
MAT* A PROPOR;N ( ! VALUE (
YR GRANT 2F Y RCV X4
  ,APPLICA;N PROCESSES C 2
L;G & "T-3SUM+1 & "! IS NO
"O-SIZE-FITS-ALL APPROA*4
  ,2F APPLY+1 X IS ADVISABLE
TO SP1K TO ! GRANT PROVID]
TO F9D \ :AT'S 9VOLV$ & :E!R
Y'RE ELIGIBLE4
  ,S\RCES ( GRANTS 9CLUDE !
^7GOV]N;T'S F9.E F9D]1^'
.<HTTPS3_/_/WWW4GOV4UK_/"
BUSI;S-F9.E-SUPPORT.> !
^7F9D A GRANT S]VICE1^'
.<HTTPS3_/_/WWW4F9D-"
GOV]N;T-GRANTS4S]VICE4"
GOV4UK_/.> & ! ^7WEBSITES (
LOCAL C\NCILS4^'
.<HTTPS3_/_/WWW4GOV4UK_/"
F9D-LOCAL-C\NCIL.>
  ,F9D \ M AB ^1GRANTS4
.<HTTPS3_/_/WWW4BRITI%-"
     #E4 DEBT 3SOLIDA;N  #DC
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/GRANTS-F9.E_/.>

,WOR? "K+4
  ,AN E/IMAT$ @L#BC4D
BILLION 9 LATE 9VOICES IS [$
TO ,,UK BUSI;SES1 B "! >E
F9.E SOLU;NS T C HELP
COMPANIES TACKLE ! CA% FL[
*ALL5GES4
        "33333333333
         #E4 ,DEBT
         3SOLIDA;N
  ,IF Y H MULTIPLE LOANS OR
L9ES ( CR$IT1 Y MAY DECIDE
TO 3SOLIDATE ! DEBTS 9TO A
S+LE1 M MANAG1BLE LOAN4
  ,Y CD COMB9E LOANS F S"EAL
DI6]5T PROVID]S 9TO A S+LE
DEBT F "O L5D]4
  ,? PROCESS CD RESULT 9 A
R$UC;N 9 MON?LY REPAY;TS1 &
IF YR CR$IT SCORE HAS
IMPROV$ S9CE APPLY+ = F9.E1
Y MI<T AL 2 ABLE TO OBTA9 A
L[] 9T]E/ RATE4
     #E4 DEBT 3SOLIDA;N  #DD
  ,ON ! O!R H&1 DEBT
3SOLIDA;N C 9VOLVE EXTRA
FEES1 & Y MAY 5D UP PAY+ A
HI<] 9T]E/ RATE IF YR CR$IT
SCORE IS TOO L[4
  ,9 ADDI;N1 MISS+ REPAY;TS
ON A DEBT 3SOLIDA;N LOAN CD
SIGNIFICANTLY L[] YR CR$IT
SCORE1 & Y MAY 2 *>G$
ADDI;NAL FEES4
     ,! TYPES ( LOANS T
       C 2 3SOLIDAT$
          9CLUDE3
,SECUR$ LOANS4
  ,= ? TYPE ( LOAN1 Y'LL NE$
TO (F] ^1COLLAT]AL1
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/J>GON-BU/]-GUIDE-TO-"
BUSI;S-F9.E_/.> S* Z
PROP]TY1 VEHICLE1 L&1 MA*9]Y
OR ANO!R MAJOR ASSET T YR
BUSI;S [NS1 Z SECUR;Y AG/ !
AM.T Y WANT TO BORR[4
  ,DUE TO ! L[] RISK = !
L5D]1 SECUR$ LOANS >E
     #E4 DEBT 3SOLIDA;N  #DE
G5]ALLY *1P] ?AN UNSECUR$
LOANS4
  ,H["E1 APPLICA;NS = SECUR$
LOANS C TAKE L;G] TO 2
APPROV$1 & IF Y FAIL TO MEET
! MON?LY REPAY;TS1 ! L5D] C
RECLAIM _! DEBT F ! ASSET
Y'VE PUT =W>D Z SECUR;Y4
  ,F9D \ M AB ^1SECUR$
^1LOANS4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/BUSI;S-LOAN_/.>

,COMM]CIAL MORTGAGES4
  ,? IS A LOAN T 9VOLVES
PAY+ A DEPOSIT FOLL[$ BY
MON?LY REPAY;TS ) V>IABLE OR
FIX$ 9T]E/ RATES4
  ,COMM]CIAL MORTGAGES
USUALLY RUN = 2T "O & #CJ
YE>S4
  ,! TYPES ( COMM]CIAL
MORTGAGES >E3
    ^1[N]-O3UPI$ ^1MORTGAGES
,- = BUSI;SES BUY+ A PROP]TY
= COMM]CIAL PURPOSES
     #E4 DEBT 3SOLIDA;N  #DF
    ^1COMM]CIAL ^1BUY-TO-LET
MORTGAGES ,- = BUSI;SES
9T5D+ TO R5T ! PROP]TY TO
ANO!R BUSI;S4
  ,TO GET A COMM]CIAL
MORTGAGE1 BUSI;SES USUALLY
NE$ TO PROVIDE A3.TS = AT
L1/ ! PA/ ?REE YE>S &
PROJECT$ TRAD+ FIGURES = !
FUTURE4
  ,F9D \ M AB ^1COMM]CIAL
^1MORTGAGES4 .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/F9.E-HUB_/H[-TO-"
F9.E-A-COMM]CIAL-PROP]TY-"
PUR*ASE_/.>

,WOR? "K+4
  ,IF Y H MULTIPLE LOANS1 Y
MI<T 2 ABLE TO 3SOLIDATE !
DEBTS 9TO A S+LE1 M
MANAG1BLE LOAN4 ,? CD RESULT
9 L[] REPAY;TS & L[] 9T]E/4
        "33333333333


        #F4 PUR*AS+      #DG
       #F4 ,PUR*AS+ A
        MAJOR ASSET
  ,IF A SMALL BUSI;S IS
LOOK+ TO ACQUIRE ANO!R
BUSI;S OR 9VE/ 9 A L>GE
ASSET1 S* Z SPECIALI/ PLANT
OR MA*9]Y1 AN 9JEC;N (
CAPITAL MAY 2 REQUIR$4
  ,:E!R X'S = SCALABIL;Y1
E6ICI5CY1 OR /RATEGIC
EXPAN.N1 ! "R ASSETS C
A3EL]ATE A />T-UP'S GR[?1
MAK+ EXT]NAL FUND+ A BRIDGE
TO GRT] POT5TIAL & SU3ESS4
,FUND+ C 2 US$ = *ALL5GES S*
Z3
  ^1,UPFRONT ^1CO/S3 MAJOR
ASSETS C 2 SIGNIFICANT
9VE/;TS & MAY 2 2Y ! IMM
F9ANCIAL CAPAC;Y ( A NEW
BUSI;S
  ^1,,ROI3 AL? ! 9ITIAL CO/
( ACQUIR+ A SIGNIFICANT
ASSET IS HI<1 X C YIELD
RETURNS OV] AN EXT5D$ P]IOD
  ^1,SCALABIL;Y3 9VE/+ 9 A
        #F4 PUR*AS+      #DH
MAJOR ASSET C 5ABLE YR />T-
UP TO SCALE OP]A;NS1 PRODUCE
AT HI<] CAPACITIES1 OR
DELIV] S]VICES M E6ICI5TLY
  ^1,E6ICI5CY3 "S ASSETS1 L
ADV.ED MA*9]Y OR TE*NOLOGY1
C OPTIMISE OP]A;NS1 R$UCE
LAB\R1 & 9CR1SE PRODUC;N
RATES
        ,F9.E OP;NS
          9CLUDE3
,BRIDG+ LOANS4
  ,A LOAN T C 2 US$ TO
8BRIDGE0 A GAP 9 A BUSI;S'S
F9.ES & PROVIDE QK A3ESS TO
CAPITAL4
  ,DUE TO _! %ORT-T]M LOAN
P]IOD & HI<] RATES ( 9T]E/
COMP>$ TO O!R =MS ( F9.E1
BRIDG+ LOANS >E TYPICALLY
US$ = MAJOR BUSI;S PUR*ASES4
  ,F9D \ M AB ^1BRIDG+
^1LOANS4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/:AT-IS-A-BUSI;S-"
BRIDG+-LOAN_/.>
        #F4 PUR*AS+      #DI

,COMM]CIAL FLEET F9.E4
  ,? IS US$ TO FUND !
PUR*ASE ( A FLEET (
VEHICLES4
  ,! MA9 OP;NS >E3
    ^1,3TRACT ^1HIRE3
,PROVIDES A3ESS TO VEHICLES
9 RETURN = FIX$ R5TAL PAY;TS
OV] A SET P]IOD
    ^1,F9.E ^1L1SE3 ,! TOTAL
CO/ IS PD 9 MON?LY 9/AL;TS
OR VIA L[] MON?LY 9/AL;TS )
A F9AL PAY;T AT ! 5D ( !
L1SE BAS$ ON ! VEHICLE'S
EXPECT$ RESALE VALUE
    ^1,HIRE ^1PUR*ASE3 ,A
VEHICLE IS PUR*AS$ BY MAK+
FIX$ PAY;TS & 9T]E/ DUR+ A
SPECIFI$ P]IOD4
  ,F9D \ M AB ^7COMM]CIAL
FLEET F9.E4^' .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/F9.E-HUB_/"U/&+-"
COMM]CIAL-FLEET-F9ANC+-"
OP;NS_/.>
        #F4 PUR*AS+      #EJ

,ASSET F9.E4
  ,? ALL[S A BUSI;S TO
ACQUIRE ASSETS )\T PUTT+
ADDI;NAL PRESSURE ON CA%FL[
OR NE$+ TO RAISE A
SIGNIFICANT AM.T ( "W+
CAPITAL4
  ,PRODUCTS V>Y1 B X G5]ALLY
9VOLVES L1S+ AN ASSET & MAK+
MON?LY PAY;TS4
  ,F9D \ M AB ^1ASSET
^1F9.E4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/ASSET-BAS$-"
L5D+_/.>

,MEZZAN9E F9.E4
  ,A HYBRID =M ( FUND+ T
BL5DS DEBT & EQU;Y F9.E4
  ,A BUSI;S AGREES TO REPAY
! LOAN ) 9T]E/1 B ! DEBT CD
3V]T 9TO %>ES 9 ! COMPANY IF
X IS UNABLE TO MEET !
REPAY;TS4
  ,F9D \ M AB ^1MEZZAN9E
        #F4 PUR*AS+      #EA
^1F9.E4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/IS-MEZZAN9E-F9.E-"
"R-=-YR-BUSI;S_/.>

,COMM]CIAL MORTGAGES4
  ,A LOAN T 9VOLVES PAY+ A
DEPOSIT FOLL[$ BY MON?LY
REPAY;TS ) V>IABLE OR FIX$
9T]E/ RATES4
  ,F9D \ M AB ^1COMM]CIAL
^1MORTGAGES4 .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/F9.E-HUB_/H[-TO-"
F9.E-A-COMM]CIAL-PROP]TY-"
PUR*ASE_/.>

,SECUR$ LOANS4
  ,= ? TYPE ( LOAN1
^1COLLAT]AL1 .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/F9.E-HUB_/J>GON-"
BU/]-GUIDE-TO-BUSI;S-"
F9.E_/.> S* Z PROP]TY1
VEHICLES & MA*9]Y1 IS NE$$ Z
SECUR;Y AG/ ! AM.T BORR[$4
        #F4 PUR*AS+      #EB
  ,F9D \ M AB ^1SECUR$
^1LOANS4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/BUSI;S-LOAN_/.>

,L1S+ & HIRE PUR*ASE4
  ,L1S+ ALL[S A BUSI;S TO
USE AN ASSET 9 EX*ANGE =
R5TAL PAY;TS1 :ILE HIRE
PUR*ASE 9VOLVES AN ASSET 2+
PUR*AS$ \T"R BY MAK+ FIX$
PAY;TS & 9T]E/4
  ,SU3ESS RATES >E HI< =
APPLICA;NS1 B IF Y DEFAULT
ON PAY;TS1 ! L5D] MAY RECOV]
! ASSET1 : CD H>M YR CR$IT
RAT+4
  ,F9D \ M AB ^7L1S+ & HIRE
PUR*ASE4^' .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/L1S+-HIRE-"
PUR*ASE_/.>

,GRANTS4
  ,? IS FUND+ T DOESN'T H TO
2 PD BACK4 ,"S GRANTS
      #G4 SCAL+ & GR[+   #EC
PROVIDE FUND+ = BUSI;SES TO
PUR*ASE EQUIP;T4
  ,SEE ! 8SCAL+ & GR[+ A
BUSI;S0 SEC;N = M DETAILS4
  ,F9D \ M AB ^1GRANTS4
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/GRANTS-F9.E_/.>

,WOR? "K+4
  ,PUR*AS+ A FLEET (
VEHICLES CD HELP A BUSI;S
GR[1 B COMPANIES MAY LACK !
FUND+ TO D X4 ,T'S ": FLEET
F9ANC+ COMES IN4
        "33333333333
     #G4 ,SCAL+ & GR[+
          A BUSI;S
  ,:E!R X'S OP5+ A NEW
LOCA;N1 EXP&+ PRODUCT L9ES1
OR 9CR1S+ PRODUC;N CAPAC;Y1
GR[? REQUIRES CAPITAL4
  ,TYPES ( *ALL5GES T MAY
TRI7] ! NE$ = ADDI;NAL FUND+
9CLUDE3
    ^1,EXPAN.N3 :E!R X'S
      #G4 SCAL+ & GR[+   #ED
OP5+ A NEW BRAN*1 MOV+ TO A
BI7] (FICE1 OR E/ABLI%+
W>EH\SES1 SCAL+ OP]A;NS MAY
M1N EXP&+ PHYSICAL
9FRA/RUCTURE
    ^1,HIR+3 RECRUIT+ SKILL$
9DIVIDUALS1 F TOP MANAGE;T
ROLES TO FRONTL9E /AFF1 CD 2
A SIGNIFICANT EXP5SE
    ^1,PRODUC;N3 SCAL+ MI<T
M1N PRODUC+ 9 L>G]
QUANTITIES1 NECESSITAT+ M
RAW MAT]IALS1 MA*9]Y1 OR EV5
A L>G] PRODUC;N FACIL;Y
    ^1,R@&,D3 FUND+ C 2
*ANNELL$ 9TO ,R@&,D TO
IMPROVE PRODUCTS1 S]VICES1
OR DEVELOP NEW (F]+S T MEET
EVOLV+ M>KET DEM&S
    ^1,NEW ^1M>KETS3 TAPP+
9TO NEW GEOGRAPHICAL >1S OR
DEMOGRAPHIC SEG;TS MAY
REQUIRE ADDI;NAL RESE>*
    ^1,TE*NOLOGY3 TE*NOLOGY
9VE/;TS CD OPTIMISE OP]A;NS1
IMPROVE CU/OM] EXP]I;ES1 &
      #G4 SCAL+ & GR[+   #EE
/R1ML9E PROCESSES1 B MAY 2
CO/LY
    ^1,RISK3 Z ! SCALE ( YR
OP]A;NS 9CR1SES1 S DOES !
SCOPE ( POT5TIAL RISKS ,-
FUND+ C ACT Z A SAFETY NET1
HELP+ BUSI;SES NAVIGATE
UN=ESE5 *ALL5GES4
     ,F9.E PRODUCTS T C
        COV] ^! CO/S
          9CLUDE3
,9ITIAL ,PUBLIC ,(F]+
    "<,,IPO">4
  ,AN ,,IPO IS :5 A COMPANY
(F]S A POR;N ( XS %>ES TO !
PUBLIC = ! F/ "T4
  ,AN ,,IPO IS USUALLY C>RI$
\ BY E/ABLI%$ BUSI;SES T C G
F 2+ PRIVATELY [N$ BY A
LIMIT$ NUMB] ( 9VE/ORS TO
HAV+ %>ES AVAILABLE =
PUR*ASE BY ! G5]AL PUBLIC &
2+ LI/$ ON A /OCK EX*ANGE4
  ,AL? ,,IPO,'S >E (T5
ASSOCIAT$ ) L>GE & E/ABLI%$
BUSI;SES1 "Y] & SMALL]
      #G4 SCAL+ & GR[+   #EF
BUSI;SES ) L[ REV5UE B
SIGNIFICANT GR[? POT5TIAL OR
UNIQUE ^19TELLECTUAL
^1PROP]TY "<,,IP">
.<HTTPS3_/_/WWW4/>TUPLOANS4"
CO4UK_/BUSI;S-GUID.E_/:AT-"
>E-9TELLECTUAL-PROP]TY-"
"RS_/.> C AL ATTRACT 9VE/ORS
US+ ? ME?OD4
  ,9 ! ,,UK1 ^1,,AIM
.<HTTPS3_/_/WWW4LONDON/OCK"
EX*ANGE4COM_/RAISE-F9.E_/"
EQU;Y_/AIM.> IS ! M>KET =
,,IPO,'S BY SMALL]1 GR[+
BUSI;SES LOOK+ TO SCALE4
  ,= FUR!R ADVICE1 R1D A
^7GUIDE TO H[ TO TELL IF YR
BUSI;S IS ,,IPO,-R1DY^'
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/H[-TO-TELL-IF-YR-"
SMALL-OR-M$IUM-BUSI;S-IS-"
IPO-R1DY_/.> & AN ^1,,IPO
^1*ECKLI/4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/IPO-*ECKLI/_/.>
      #G4 SCAL+ & GR[+   #EG
  ,F9D \ M AB ^1,,IPO,'S4
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/IPO_/.>

,EQU;Y 9VE/;T4
  ,? =M ( F9.E 9VOLVES
SECUR+ FUND+ F EXT]NAL
9VE/ORS 9 RETURN = %>ES 9 YR
BUSI;S4
  ,"! >E ^7V>I\S LEVELS (
EQU;Y 9VE/;T TAILOR$^'
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/A-GUIDE-TO-EQU;Y-"
FUND+-/AGES-=-YR-BUSI;S_/.>
TO DI6]5T /AGES ( A BUSI;S'
GR[?4 ,AF ! PRE-SE$ & SE$
/AGES :5 A BUSI;S F/
LAUN*ES1 COMPANIES LOOK+ TO
SCALE G "? FUR!R R.DS (
FUND+ "KN Z S]IES ,A1 ;,B &
;,C4
  ,F9D \ M AB ^1EQU;Y
^19VE/;T4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
      #G4 SCAL+ & GR[+   #EH
F9.E-HUB_/:AT-IS-EQU;Y-"
F9.E_/.>
  .1,S]IES .1,A4
  ,S]IES ,A FUND+ IS PROVID$
BY V5TURE CAPITAL FIRMS1
SUP] ANGEL 9VE/ORS1 &
9/ITU;NAL 9VE/ORS4
  ^1,ANGEL ^19VE/ORS
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/ANGEL-9VE/;T_/.> >E
5TREPR5EURS OR 9DIVIDUALS )
EXT5SIVE BUSI;S EXP]I;E :O
9VE/ _! [N M"OY 9 E>LY-/AGE
/>TUPS 9 RETURN = EQU;Y4
  ^1,V5TURE ^1CAPITAL
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/:AT-IS-EQU;Y-F9.E_/"
_?MODULE,V5TURECAPITAL.>
FIRMS USE M"OY 2L;G+ TO L>GE
9/ITU;NS S* Z P5.N FUNDS1 &
Z !Y REQUIRE A SIGNIFICANT
RETURN ON _! 9VE/;T1 !Y
G5]ALLY ASK = A BI7] /AKE 9
EX*ANGE4
      #G4 SCAL+ & GR[+   #EI
  .1,S]IES .1;,B4
  ,S]IES ;,B FUND+ IS
PROVID$ BY V5TURE CAPITALI/S
& PRIVATE EQU;Y "<^1,,PE">
^1FIRMS4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
F9.E-HUB_/:AT-IS-EQU;Y-"
F9.E_/_?MODULE,PRIVATE"
EQU;Y.>
  ,,PE FIRMS RAISE CAPITAL F
9/ITU;NAL 9VE/ORS L P5.N
FUNDS & 9SUR.E COMPANIES :
!Y USE TO =M A FUND & 9VE/ 9
BUSI;SES4
  .1,S]IES .1;,C4
  ,S]IES ;,C FUND+ IS
PROVID$ BY V5TURE CAPITAL
FIRMS1 PRIVATE EQU;Y FIRMS1
& CORPORATE 9VE/ORS4
          ,GRANTS
  ,? IS FUND+ PROVID$ BY
PUBLIC SECTOR OR PRIVATE
ORGANISA;NS T DOESN'T H TO 2
PD BACK4
  ,GRANT S*EMES >E USUALLY
FOCUS$ ON FACTORS S* Z A
      #G4 SCAL+ & GR[+   #FJ
SPECIFIC BUSI;S ACTIV;Y1
/AGE ( BUSI;S1 SECTOR1 F.D]
DEMOGRAPHIC & LOCA;N4
  ,GRANT S*EMES V>Y 9 H[ M*
M"OY Y RCV4 ,= "S1 Y'LL RCV
! FULL AM.T1 ":AS = O!RS Y
NE$ TO MAT* A PROPOR;N ( !
VALUE ( YR GRANT 2F Y RCV X4
  ,APPLICA;N PROCESSES C 2
L;G & "T-3SUM+1 & "! IS NO
"O-SIZE-FITS- ALL APPROA*4
,2F APPLY+1 X IS ADVISABLE
TO SP1K TO ! GRANT PROVID]
TO F9D \ :AT'S 9VOLV$ & :E!R
Y'RE ELIGIBLE4
  ,S\RCES ( GRANTS 9CLUDE
^7! GOV]N;T'S F9.E F9D]1^'
.<HTTPS3_/_/WWW4GOV4UK_/"
BUSI;S-F9.E-SUPPORT.> !
^7F9D A GRANT S]VICE^'
.<HTTPS3_/_/WWW4F9D-"
GOV]N;T-GRANTS4S]VICE4"
GOV4UK_/.> & ! WEBSITES (
LOCAL C\NCILS4
  ,F9D \ M AB ^1GRANTS4
.<HTTPS3_/_/WWW4BRITI%-"
      #G4 SCAL+ & GR[+   #FA
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/GRANTS-F9.E_/.>
        ,DEBT F9.E3
  ,? 9VOLVES A BUSI;S
BORRPW+ AN AM.T ( M"OY OR AN
ASSET T IS PD BACK ) 9T]E/
OV] AN AGRE$ P]IOD ( "T4
,COMMON =MS ( DEBT F9.E
9CLUDE3

,LOANS4
  ,^! C 2 ^1SECUR$1 : USES
AN ASSET "<S* Z PROP]TY"> F
YR BAL.E %EET Z SECUR;Y1 OR
^1UNSECUR$1 : C 2 BORR[$ )\T
US+ ANY BUSI;S ASSETS Z
SECUR;Y4
  ,= UNSECUR$ LOANS1 Y (T5
NE$ TO PROVIDE A P]SONAL
GU>ANTEE T SAYS Y'LL PAY
BACK ! LOAN P]SONALLY IF !
BUSI;S C'T4
  ,Z A RESULT1 UNSECUR$
LOANS TYPICALLY H HI<] 9T]E/
RATES ?AN SECUR$ LOANS4

      #G4 SCAL+ & GR[+   #FB

,OV]DRAFTS4
  ,A L9E ( CR$IT ON YR
BUSI;S BANK A3.T T PROVIDES
A3ESS TO M %ORT-T]M FUND+
?AN YR BUSI;S'S [N CAPITAL4
  ,UNLIKE LOANS : H A FIX$
REPAY;T FEE1 Y ONLY PAY
9T]E/ ON ! OV]DRAWN AM.T4
  ,H["E1 ! BANK MAY *>GE AN
>RANGE;T FEE1 & IF Y'RE LATE
OR MISS A REPAY;T1 Y'LL 2
*>G$ A FEE T CD A6ECT YR
^1CR$IT ^1RAT+4
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/H[-DOES-MY-BUSI;S-"
CR$IT-SCORE-IMPACT-MY-F9.E-"
OP;NS_/.>
  ,OV]DRAFTS G5]ALLY H A
HI<] 9T]E/ RATE ?AN BUSI;S
LOANS4
  ,F9D \ M AB ^1DEBT ^1F9.E4
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/F9.E-"
HUB_/BUSI;S-LOAN_/.>
        #H4 YR OP;NS     #FC

,WOR? "K+4
  ,= BUSI;SES LOOK+ TO
SCALE1 EQU;Y 9VE/;T C DRIVE
GR[?4 ,AF ! PRE-SE$ & SE$
/AGES :5 A BUSI;S F/
LAUN*ES1 GR[+ COMPANIES G "?
FUR!R R.DS ( FUND+ "KN Z
S]IES ,A1 ;,B & ;,C4
        "33333333333
       #H4 ,:AT >E YR
      OP;NS IF YR LOAN
     APPLICA;N HAS BE5
         TURN$ D[N
  ,IF YR BUSI;S LOAN
APPLICA;N IS REJECT$ BY A
BANK X C 2 A DI6ICULT
EXP]I;E B "! >E ALT]NATIVE
=MS ( F9.E = YR BUSI;S O!R
?AN LOANS (F]$ BY HI< /REET
BANKS4
  ,IF Y'VE _H YR BUSI;S LOAN
APPLICA;N REJECT$ X'S
IMPORTANT TO "U/& :Y ? MI<T
H HAPP5$ Z ? W 9=M :AT OP;NS
Y H TO SECURE F9.E = YR
        #H4 YR OP;NS     #FD
BUSI;S F O!R M1NS4
  ,COMMON R1SONS = REJECT+ A
BUSI;S LOAN APPLICA;N
9CLUDE3
    A L[ CR$IT RAT+
    ,9SU6ICI5T SECUR;Y = !
LOAN
    A W1K BUSI;S PLAN &
F9ANCIAL =ECA/S 9CLUD+
CA%FL[
    ,L[ RISK APPETITE F !
L5D] 9 T]MS ( ! "PICUL>
SECTOR YR BUSI;S OP]ATES IN4
  ,X'S IMPORTANT TO ADDRESS
^! ISSUES IF !Y'RE PRES5T 9
YR BUSI;S Z !Y CD AL 9DICATE
T YR BUSI;S MI<T N 2 Z
RESILI5T Z X CD BE4
         ,DEBT F9.E
  ,EV5 IF Y'VE BE5 REJECT$ =
A BUSI;S LOAN F A BANK1 Y
MAY / 2 ABLE TO SECURE DEBT
F9.E F ANO!R F9.E PROVID]4

,TRY ANO!R L5D]4
  ,HI< /REET BANKS W EA* H
        #H4 YR OP;NS     #FE
DI6]5T L5D+ CRIT]IA : !Y USE
TO ASSESS APPLICA;NS4
  ,"!=E1 A REJEC;N F "O BANK
DOES N NECESS>ILY M1N T AN
APPLICA;N TO ANO!R BANK W AL
2 REJECT$4
  ,9 _M CASES1 A REJEC;N = A
LOAN HAS NO?+ TO D ) !
VIABIL;Y ( A BUSI;S1 & IS
9/1D ! RESULT ( O!R FACTORS1
S* Z A BANK ALR HAV+ A C]TA9
NUMB] ( CU/OM]S OP]AT+ 9 YR
SECTOR & "!=E WANT+ TO AVOID
9CR1S+ EXPOSURE4
  ,9 ESS;E1 BUSI;S [N]S %D
N"E 2 4C\RAG$ IF _! F/
APPLICA;N = A LOAN IS
REJECT$1 ESPECIALLY IF XS N
IMMLY OBVI\S :Y ! APPLICA;N
0 REJECT$1 X CD J H M TO D )
! BANK XF ?AN ) YR BUSI;S4

,BANK ,REF]RAL ,S*EME4
  ,LAUN*$ 9 ,NOVEMB] #BJAF1
! ,BANK ,REF]RAL ,S*EME AIMS
TO MAKE X EASI] = SMALL]
        #H4 YR OP;NS     #FF
BUSI;SES TO OBTA9 F9ANC+4
  ,! REF]RAL S*EME REQUIRES
"PICIPAT+ BANKS TO (F] A
REF]RAL TO AN ONL9E F9.E
PLAT=M IF !Y REJECT A
BUSI;S'S REQUE/ = FUND+4
  ,^! PLAT=MS C 3NECT SMALL]
BUSI;SES ) ALT]NATIVE F9.E
PROVID]S :O MAY 2 ABLE TO
PROVIDE ! NEC FUND+4
  ,! GOAL ( ! ,BANK ,REF]RAL
,S*EME IS TO 5SURE T VIABLE
BUSI;SES1 : MAY N MEET !
RISK CRIT]IA ( TRADI;NAL
BANKS1 / H A3ESS TO !
F9ANCIAL RES\RCES NE$$ TO
GR[ & SU3E$4
  ,LE>N M AB ! ^7,BANK
,REF]RAL ,S*EME4^'
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/BUSI;S-"
GUID.E_/GUID.E->TICLES_/"
F9.E_/:AT-IS-!-BANK-"
REF]RAL-S*EME.>


        #H4 YR OP;NS     #FG

,COMMUN;Y ,DEVELOP;T ,F9.E
    ,9/ITU;NS4
  ,A ,COMMUN;Y ,DEVELOP;T
,F9.E ,9/ITU;N "<,,CDFI"> IS
A NON-PR(IT L5D] T (F]S
LOANS & SUPPORT TO BUSI;SES
US+ A RELA;N%IP-FOCUS$
APPROA*4
  ,? ALL[S ,,CDFI,'S TO LOOK
2Y A W1K BAL.E %EET OR A
POOR CR$IT HI/ORY TO !
FUNDA;TALS ( BO? ! BUSI;S &
! P 2H X4
  ,:5 Y TAKE \ A LOAN F A
,,CDFI1 Y'LL NE$ TO REPAY X
) 9T]E/ & ANY AGRE$-^U FEES
OV] A SPECIFI$ P]IOD4
  ,TYPICALLY1 ,,CDFI,'S L5D
AM.TS RANG+ F @L#BE1JJJ TO
@L#BEJ1JJJ4
  ,H["E1 "S MAY (F] LOANS
/>T+ Z L[ Z @L#A1JJJ & GO+
ABV @L#BEJ1JJJ4
  ,LE>N M AB ^7,COMMUN;Y
,DEVELOP;T ,F9.E
        #H4 YR OP;NS     #FH
,9/ITU;NS4^' .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/BUSI;S-GUID.E_/"
GUID.E->TICLES_/F9.E_/H[-"
COMMUN;Y-DEVELOP;T-F9.E-"
9/ITU;NS-CD-SUPPORT-YR-"
BUSI;S.>

,WOR? "K+4
  ,9 #BJBC ,,CDFI,'S L5T
^1@L#BHGM TO OV] #IJ1JJJ
BUSI;SES ACR ! ,,UK4

,/>T ,UP ,LOAN4
  ,IF YR BUSI;S IS LESS ?AN
?REE YE>S OLD1 Y MAY QUALIFY
= A ,/>T ,UP ,LOAN4
  ,_M />T-UP BUSI;SES FACE
REJEC;N F TRADI;NAL L5D]S
DUE TO R1SONS S* Z A LACK (
TRACK RECORD1 9SU6ICI5T
BUSI;S ASSETS = COLLAT]AL1
OR N YET 2+ PR(ITABLE4
  ,A ,/>T ,UP ,LOAN DI6]S F
A TRADI;NAL BANK LOAN Z X IS
A P]SONAL LOAN 9T5D$ =
        #H4 YR OP;NS     #FI
BUSI;S USE4
  ,X IS AL UNSECUR$1 M1N+
BORR[]S >E N REQUIR$ TO
PROVIDE P]SONAL ASSETS1 L _!
HOME1 Z SECUR;Y4
  ,ELIGIBLE 9DIVIDUALS C
SECURE LOAN AM.TS RANG+ F
@L#EJJ TO @L#BE1JJJ1 )
REPAY;T T]MS F "O TO FIVE
YE>S4
  ,^! LOANS F1TURE A FIX$
9T]E/ RATE ( #F.0 P] ANNUM1
(F]+ 3SI/5CY 9 REPAY;T
PLANS4
  ,APPLICANTS RCV P]SONALIS$
GUID.E "?\T ! PROCESS1 PAIR$
) A D$ICAT$ BUSI;S ADVIS] TO
5H.E ! LIKELIHOOD ( A
SU3ESS;L APPLICA;N4
  ,ADDI;NALLY1 RECIPI5TS GA9
A3ESS TO #AB MON?S ( FREE
M5TOR+1 PROVID+ ESS5TIAL
ONGO+ SUPPORT & GUID.E DUR+
! CRUCIAL E>LY /AGES (
BUSI;S DEVELOP;T4
  ,LE>N M AB ^7,/>T ,UP
        #H4 YR OP;NS     #GJ
,LOANS4^' .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
BUSI;S-GUID.E_/GUID.E-"
>TICLES_/F9.E_//>T-UP-LOAN.>

,PE]-TO-PE] L5D+4
  ,PE]-TO-PE] "<,P#B,P">
L5D+ 3NECTS BORR[]S ) L5D]S
"? ONL9E PLAT=MS OR (FL9E
BROK]S4
  ,TO APPLY Y'LL NE$ TO FILL
\ AN ONL9E =M & PROVIDE
DETAILS AB H[ YR BUSI;S W
USE ! LOAN1 ! AM.T Y WI% TO
BORR[1 & ! DESIR$ REPAY;T
P]IOD Z WELL Z "S SPECIFIC
9=MA;N AB YR BUSI;S4
  ,! PLAT=M W !N MAT* Y )
SUITABLE L5D]S4
  ,"S ,P#B,P PLAT=MS C (F]
ALM IMM DECI.NS1 ALL[+ Y TO
POT5TIALLY RCV ! LOAN )9 J A
FEW "DS4
  ,^U APPROVAL1 "! MAY 2 AN
>RANGE;T FEE PAYABLE TO !
,P#B,P PLAT=M4
        #H4 YR OP;NS     #GA
  ,! LOAN IS !N REPD1 )
9T]E/1 "? REGUL> 9/AL;TS OV]
! T]M ( ! LOAN AGREE;T4
  ,LE>N M AB ^1,PE]-TO-PE]
^1L5D+4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
BUSI;S-GUID.E_/GUID.E-"
>TICLES_/F9.E_/PE]-TO-PE]-"
L5D+.>
        ,EQU;Y F9.E
  ,9 ADDI;N TO DEBT F9ANC+1
X MI<T AL 2 WOR? EXPLOR+
V>I\S =MS ( EQU;Y F9.E TO
G5]ATE CAPITAL4

,ANGEL 9VE/;T4
  ,AN ANGEL 9VE/OR IS AN
9DIVIDUAL :O 9VE/S _!
P]SONAL FUNDS 9 A SMALL
BUSI;S 9 EX*ANGE = A M9OR;Y
EQU;Y /AKE1 USUALLY RANG+ F
#AJ.0 TO #BE.04
  ,^! 9VE/ORS (T5 H
BACKGR.DS Z 5TREPR5EURS OR
POSSESS EXT5SIVE EXP]I;E 9 !
BUSI;S _W4
        #H4 YR OP;NS     #GB
  ,ANGEL 9VE/;T IS AB M ?AN
J F9ANCIAL SUPPORT4
  ,9VE/ORS PROVIDE M5TOR+ &
GUID.E1 ALL[+ BUSI;SES TO
B5EFIT F _! "T1 SKILLS1
3TACTS1 & BUSI;S ACUM54
  ,!Y ADOPT A H&S-ON
APPROA*1 FREQU5TLY
COLLABORAT+ ) ! 5TREPR5EUR
TO DRIVE ! BUSI;S =W>D4
  ,! RELA;N%IP 2T ! ANGEL
9VE/OR & ! 5TREPR5EUR IS
CRUCIAL1 Z !Y TYPICALLY "W
TGR CLOSELY = AT L1/ FIVE
YE>S4
  ,ANGEL 9VE/ORS USUALLY
9VE/ AM.TS RANG+ F @L#E1JJJ
TO @L#EJJ1JJJ 9 A S+LE
BUSI;S1 DEP5D+ ON ! SPECIFIC
NE$S & GR[? POT5TIAL ( !
5T]PRISE4
  ,LE>N M AB ^1,ANGEL
^19VE/;T4 .<HTTPS3_/_/WWW4"
BRITI%-BUSI;S-BANK4CO4UK_/"
BUSI;S-GUID.E_/GUID.E-"
>TICLES_/F9.E_/ANGEL-"
        #H4 YR OP;NS     #GC
9VE/;T.>

,EQU;Y CR[DFUND+4
  ,EQU;Y CR[DFUND+ (F]S
BUSI;SES A REGULAT$ ME?OD TO
RAISE FUNDS F NUM]\S
9VE/ORS4
  ,BY LI/+ ON AN ONL9E
PLAT=M1 BO? 9VE/ORS & !
G5]AL PUBLIC C BUY %>ES 9 YR
BUSI;S4
  ,2F Y C LI/1 AN EQU;Y
CR[DFUND+ PLAT=M W EVALUATE
YR BUSI;S & ! DOCU;TA;N Y
PROVIDE TO 5SURE !Y MEET !
PLAT=M'S /&>DS4
  ,"S PLAT=MS MAY AL ASSI/ Y
9 DET]M9+ ! APPROPRIATE
"TFRAME & 9VE/;T AM.T TO
REQUE/4
  ,X'S IMPORTANT TO NOTE T N
ALL CR[DFUND+ PLAT=MS (F] !
SAME S]VICES4
  ,:ILE "S MANAGE
COMMUNICA;N ) %>EHOLD]S1
O!RS PROVIDE BUSI;S GUID.E4
       #I4 GETT+ R1DY    #GD
  ,"!=E1 X'S ESS5TIAL TO
4CUSS ! SPECIFIC S]VICES &
SPECIALTIES ( EA* PLAT=M 2F
COMMITT+ TO "O4
  ,LE>N M AB ^1,EQU;Y
^1CR[DFUND+4 .<HTTPS3_/_/"
WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/BUSI;S-GUID.E_/"
GUID.E->TICLES_/F9.E_/"
EQU;Y-CR[DFUND+.>
        "33333333333
       #I4 ,GETT+ YR
     BUSI;S R1DY = F9.E
  ,9 MO/ CASES1 APPLY+ = ANY
=M ( BUSI;S F9.E REQUIRES A
GD AM.T ( PREP>A;N4
  ,! G5]AL RULE IS1 ! H1L?I]
A BUSI;S'S F9ANCIAL
FUNDA;TALS >E1 ! M LIKELY A
L5D] OR 9VE/OR IS TO (F]
FUND+4
  ,"!=E1 MAK+ SURE Y C PROVE
! VIABIL;Y ( YR BUSI;S 9 !
L;G-T]M IS VITAL TO SECUR+
FUND+4
  ,X C 2 DI6ICULT TO "K :AT
       #I4 GETT+ R1DY    #GE
Y NE$ TO PREP>E 9 ADV.E ?\<
Z DI6]5T TYPES ( F9.E W
REQUIRE DI6]5T DOCU;TS TO 2
PREP>$ OR ASPECTS ( YR
BUSI;S TO 2 *ECK$4
  ,2L WE'VE LI/$ ! MO/
COMMON ?+S AN 9VE/OR OR L5D]
W LOOK AT :5 ASSESS+ A
REQUE/ = FUND+4
  ,BUSI;S PLAN
  ,CR$IT RAT+
  ,PIT* DOCU;TS
  ,CA% FL[ =ECA/S
  ,YR NET"W
        ,BUSI;S PLAN
  ,A BUSI;S PLAN IS A VITAL
DOCU;T T %[S ! FUTURE
DIREC;N ( YR BUSI;S4
  ,X DETAILS YR BUSI;S
/RATEGY & KEY OBJECTIVES1
S]V+ Z A ROADMAP F YR CURR5T
POSI;N TO MEET+ YR BUSI;S
OBJECTIVES1 S* Z ATTA9+ A
SPECIFIC M>KET %>E1 LAUN*+ A
NEW PRODUCT1 OR EXP&+ 9TO
NEW LOCA;NS4
       #I4 GETT+ R1DY    #GF
  ,A BUSI;S PLAN 5COMPASSES
ESS5TIAL ELE;TS L M>KET
ANALYSIS1 F9ANCIAL
PROJEC;NS1 & ! ORGANISA;NAL
/RUCTURE ( YR BUSI;S4
  ,F9ANCIAL 9/ITU;NS &
9VE/ORS W REQUIRE A BUSI;S
PLAN 2F (F]+ ANY FUND+4
  ,LE>N H[ TO ^7WRITE A
BUSI;S PLAN4^' .<HTTPS3_/_/"
WWW4/>TUPLOANS4CO4UK_/"
BUSI;S-GUID.E_/H[-TO-WRITE-"
A-BUSI;S-PLAN_/.>
       ,PIT* DOCU;TS
  ,IF Y'RE LOOK+ TO SECURE
EQU;Y 9VE/;T 9TO YR BUSI;S
!N Y'LL AL NE$ TO PREP>E YR
PIT* DECK4
  ,A PIT* DECK IS ! VISUAL
COMPON5T ( YR PRES5TA;N TO
POT5TIAL 9VE/ORS1 CRAFT$ TO
SUPPORT & HI<LI<T YR VALUE
PROPOSI;N4
  ,?9K ( X Z ! 8%OP FRONT0 (
YR BUSI;S1 DESIGN$ TO
ATTRACT & G5]ATE 9T]E/4
       #I4 GETT+ R1DY    #GG
  ,REG>D.S ( :E!R Y'RE
APPROA*+ YR F/ ANGEL 9VE/OR
OR LOOK+ = S]IES ;,C FUND+ F
CORPORATE 9VE/ORS1 YR PIT*
DECK %D TYPICALLY ADDRESS !
FOLL[+ KEY TOPICS3
    YR PRODUCT OR S]VICE
    ! UNIQUE SELL+ PO9T ( YR
PRODUCT OR S]VICE
    ! M>KET & ": Y >E
POSI;N+ YR BUSI;S V]SUS !
COMPETI;N
    YR T1M
    ! F9ANCIAL REQUE/
"<9CLUD+ DETAIL$ PLANS = H[
Y'LL USE ! 9VE/;T">
    YR EXIT /RATEGY4
  ,YR PIT* DECK %D 2
SUPPORT$ BY EVID;E & 9SI<TS1
DEMON/RAT+ YR EXP]TISE &
POSI;N+ YR BUSI;S Z A
CR$IBLE 9VE/;T OPPORTUN;Y TO
9SPIRE 9VE/OR 3FID;E4
  ,R1D \R GUIDE ON H[ TO
^7PREP>E A PIT* DECK^' = YR
BUSI;S4 .<HTTPS3_/_/WWW4"
       #I4 GETT+ R1DY    #GH
BRITI%-BUSI;S-BANK4CO4UK_/"
BUSI;S-GUID.E_/GUID.E-"
>TICLES_/BUSI;S-"
ESS5TIALS_/:AT-MAKES-A-GD-"
PIT*-DECK-=-9VE/;T.>
      ,CA% FL[ =ECA/S
  ,"O ( ! KEY 9DICATORS ANY
L5D] OR 9VE/OR W LOOK AT :5
DECID+ IF !Y C (F] YR BUSI;S
A LOAN IS XS CA% FL[4
  ,CA% FL[ M1SURES ! AM.T (
M"OY 5T]+ & L1V+ YR BUSI;S
OV] A SPECIFIC P]IOD4
  ,POSITIVE CA% FL[ O3URS :5
M CA% 5T]S ! BUSI;S ?AN
EXITS1 :ILE NEGATIVE CA% FL[
9DICATES ! OPPOSITE4
  ,PROL;G$ P]IODS ( NEGATIVE
CA% FL[ C MAKE X DI6ICULT TO
PAY BILLS & COV] O!R
EXP5SES1 Z X DIRECTLY
IMPACTS ! AVAILABLE "W+
CAPITAL NE$$ = DAILY
OP]A;NS4
  ,X'S A GD IDEA TO DEVELOP
& MA9TA9 A CA% FL[ =ECA/ TO
       #I4 GETT+ R1DY    #GI
HELP Y ANTICIPATE ANY
POT5TIAL SQUEEZES ON ! F9.ES
( YR BUSI;S "? S1SONAL;Y OR
4RUP;NS4
  ,? DOCU;T C AL !N 2 US$ TO
REASSURE POT5TIAL L5D]S T !
RISK ( Y FAIL+ TO MEET ANY
LOAN REPAY;TS IS M9IMIS$4
  ,Y C LE>N M AB ! TYPES (
F9.E T C SUPPORT ! CA% FL[ (
YR BUSI;S BY R1D+ ! ^7CA%
FL[ SEC;N ( ? GUIDE4^'
      ,YR BUSI;S CR$IT
            RAT+
  ,9 NE>LY ALL CASES1 A L5D]
W RUN A CR$IT *ECK ON YR
BUSI;S "<OR Y P]SONALLY IF Y
>E A SOLE TRAD] OR "PN]%IP">
2F AGREE+ TO (F] Y A
F9ANCIAL PRODUCT & "U :AT
T]MS4
  ,A BUSI;S CR$IT SCORE
ASSESSES A COMPANY'S
CR$ITWOR?I;S BY EVALUAT+
V>I\S FACTORS TO DET]M9E XS
F9ANCIAL POSI;N & LEVEL (
       #I4 GETT+ R1DY    #HJ
F9ANCIAL RISK4
  ,BUSI;S CR$IT SCORES RANGE
F #J TO #AJJ1 ": A SCORE (
#J 9DICATES HI< RISK & A
SCORE ( #AJJ 9DICATES L[
RISK4
  ,A HI<] SCORE SIGNIFIES A
/R;G] BUSI;S CR$IT RAT+4
  ,TO 5H.E YR BUSI;S'S CR$IT
SCORE1 Y %D /RIVE TO A*IEVE
A SCORE Z CLOSE TO #AJJ Z
POSSIBLE4
  ,LE>N M AB H[ TO ^7MANAGE
YR BUSI;S CR$IT RAT+4^'
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/BUSI;S-"
GUID.E_/GUID.E->TICLES_/"
F9.E_/#I-WAYS-TO-IMPROVE-"
YR-BUSI;S-CR$IT-SCORE.>
         ,YR BUSI;S
         F9ANCIALS
  ,:5 9VE/ORS & L5D]S LOOK
AT YR CA% FL[ =ECA/ & YR
BUSI;S CR$IT RAT+1 !Y'RE
LOOK+ TO DET]M9E !
PR(ITABIL;Y ( YR BUSI;S & XS
       #I4 GETT+ R1DY    #HA
OV]ALL F9ANCIAL H1L?4
  ,^? DOCU;TS >5'T ! ONLY
?+S !Y C LOOK AT ?\<4
  ,YR PR(IT M>G9 = EA* ( YR
PRODUCTS OR S]VICES IS A KEY
9DICATOR & %D 2 3/ANTLY
MONITOR$4
  ,PR(ITABIL;Y IS1 SIMPLY
PUT1 YR 9COME /R1MS
"<REV5UE_/SALES"> M9US YR
CO/S & IS A /R;G 9DICATOR (
! L;G-T]M VIABIL;Y ( YR
BUSI;S4
  ,KEEP+ A CLOSE EYE ON YR
PR(IT M>G9 ALL[S Y TO MAKE
QK DECI.NS TO SUPPORT ! GR[?
& RESILI;E ( YR BUSI;S4
  ,X AL GIVES Y ! *.E TO
DEMON/RATE TO POT5TIAL
9VE/ORS & L5D]S ! J\RNEY YR
BUSI;S IS ON & YR ABIL;Y TO
PIVOT TO MAKE ! MO/ ( NEW
BUSI;S OPPORTUNITIES4
  ,X'S AL A GD IDEA TO
MA9TA9 A BAL.E %EET : LI/S
ALL YR ASSETS AG/ YR
       #I4 GETT+ R1DY    #HB
LIABILITIES4
  ,A BAL.E %EET W PROJECT ^!
ASSETS & LIABILITIES =W>D1
(T5 9 ! =M ( #AH-MON?1 #C
YE>1 & #E YE> =ECA/S4
  ,REMEMB] T L5D]S & 9VE/ORS
(T5 PAY M ATT5;N TO CURR5T
F9ANCIALS ?AN =ECA/S S X'S A
GD IDEA TO 5SURE Y C PROVIDE
!M ) UP-TO-DATE 9=MA;N :5 !Y
ASK = X4
  ,LE>N M AB ^7MANAG+ !
F9.ES ( YR SMALL BUSI;S4^'
.<HTTPS3_/_/WWW4BRITI%-"
BUSI;S-BANK4CO4UK_/BUSI;S-"
GUID.E_/GUID.E->TICLES_/"
F9.E_/BASIC-F9ANCIAL-"
MANAGE;T-=-SMALL-BUSI;SES.>
      ,BUILD YR NET"W
  ,HAV+ A SUPPORT NET"W :5
Y'RE />T+ OR RUNN+ A BUSI;S
IS 9VALUABLE4
  ,NET"W+ ALL[S Y TO 3NECT )
O!R NEW BUSI;S [N]S :O >E ON
A SIMIL> J\RNEY4
  ,X'S AN OPPORTUN;Y TO LE>N
           3TACT         #HC
F FELL[ 5TREPR5EURS & EXP]TS
BY HE>+ AB _! EXP]I;ES1
"PICUL>LY :5 X COMES TO
EXPLOR+ V>I\S BUSI;S F9.E
OP;NS4
  ,ADDI;NALLY1 NET"W+
PROVIDES A WAY TO MEET
M5TORS1 POT5TIAL CLI5TS1 &
NEW FRS4
  ,LE>N M AB ^7H[ TO
NET"W4^' .<HTTPS3_/_/WWW4"
/>TUPLOANS4CO4UK_/BUSI;S-"
GUID.E_/NET"W+-":-&-H[-TO-"
F9D-SUPPORT_/.>
         ,WOR? "K+
  ,>.D #HJ.0 ( ANNUAL ,,UK
BUSI;S CLOSURES >E DUE TO
CA%FL[ DI6ICULTIES ,- T'S
>.D #EJ1JJJ BUSI;SES P] YE>4
        "33333333333
           ,3TACT
  ,BRITI%
  ,BRITI% ,BUSI;S ,BANK
  ,/EEL ,C;Y ,H\SE
  ,WE/ ,/REET
  ,%E6IELD ,S#A #B,,GQ
           3TACT         #HD
  WWW4/>TUPLOANS4CO4UK
  WWW4BRITI%-BUSI;S-BANK4"
CO4UK_/BUSI;S-GUID.E
          "9 "9 "9
  ,! ,/>T-,UP ,LOANS
,COMPANY IS A :OLLY [N$
SUBSIDI>Y ( ,BRITI% ,BUSI;S
,BANK PLC4 ,X IS A COMPANY
LIMIT$ BY GU>ANTEE1 REGI/]$
9 ,5GL& & ,WALES1 REGI/RA;N
NUMB] #JHAAGFEF1 REGI/]$
(FICE AT ,/EEL ,C;Y ,H\SE1
,WE/ ,/REET1 ,%E6IELD1 ,S#A
#B,,GQ4
  ,BRITI% ,BUSI;S ,BANK PLC
IS A DEVELOP;T BANK :OLLY
[N$ BY ;,,HM ,GOV]N;T4
,BRITI% ,BUSI;S ,BANK PLC &
XS SUBSIDI>IES >E N BANK+
9/ITU;NS & D N OP]ATE Z S*4
,!Y >E N AU?ORIS$ OR
REGULAT$ BY ! ,PRUD5TIAL
,REGULA;N ,AU?OR;Y "<,,PRA">
OR ! ,F9ANCIAL ,3DUCT
,AU?OR;Y "<,,FCA">4 ,A
COMPLETE LEGAL /RUCTURE *>T
           3TACT         #HE
= ! GR\P C 2 F.D AT
WWW4BRITI%-BUSI;S-BANK4"
CO4UK4
  ,:IL/ WE MAKE R1SONABLE
EF=TS TO KEEP ! 9=MA;N 9 ?
GUIDE UP TO DATE1 WE D N
GU>ANTEE OR W>RANT "<IMPLI$
OR O!RWISE"> T X IS CURR5T1
A3URATE OR COMPLETE4 ,!
9=MA;N IS 9T5D$ = G5]AL
9=MA;N PURPOSES ONLY & DOES
N TAKE 9TO A3.T YR P]SONAL
SITUA;N1 NOR DOES X 3/ITUTE
LEGAL1 F9ANCIAL1 TAX OR O!R
PR(ES.NAL ADVICE4 ,Y %D ALW
3SID] :E!R ! 9=MA;N IS
APPLICABLE TO YR "PICUL>
CIRCUM/.ES &1 ":
APPROPRIATE1 SEEK PR(ES.NAL
OR SPECIALI/ ADVICE OR
SUPPORT4
        "33333333333