Connecting private lenders with business borrowers

Online Network of Lenders

• Businesses cannot get money

• High net worth individuals don’t know where to put it

• So…

Borrow from people, not banks

• Match with trading businesses

• Companies can support their loans

• You decide the interest rate

The rules of lending…

Criteria

Identity

Serviceability

What the banks are (not) doing

Hoarding Cash

• £37 billion in handouts from the taxpayer

• Repair balance sheet

• minimum liquidity

Suffering Sectors

Suffering Services

Other Options for Borrowing

Grants

Venture Capital

Business Angels

Deliver £800 million a year to small businesses

Why do Angels Invest?Want to put something back…

Tax breaks

Private lenders v Investors

• Startup failure rate

• No need to be involved in the company

• Income stream from day one

Trading businessTrading businesses…

…that can support a loan

• Working capital need• No need to give up equity• Superior rate for the lender• Keep at arm’s length

• Licensed credit broker• Work with business angels• Carnage in the broking community• Opportunities for high net worth lenders

Who are we?

Benefits

Top-up funding

…if the bank loan isn’t enough

Down to Business

• Qualify lenders

• Qualify borrowers

• Optimise proposals

• Match lenders with borrowers

• We want lenders to return

Business Plan – 4Ms

The market

The Model

The Management

The Money

“conservative sales estimates”

Borrow from peoplenot banks

William Flatau+44 7973 263234

william.flatau@firstfunding.orghttp://firstfunding.org