1. Where Is The Money !!! Martin Edmonds – Business Loans Manager ART (Aston Reinvestment Trust) Feb 12 th 2014 www.reinvest.co.uk

2. What Money Is There ?  Loans  Equity  Grants  ……………………….  Peer 2 Peer  Crowdfunding

3. Loans  Banks – You all know what they do…..  Start up loan scheme  Finance Birmingham – covers Solihull  ART – What do we do n

4. ART (Aston Reinvestment Trust)  Est 1997 by Sir Adrian Cadbury – Hon President  Loans between £10k-£100k  Where the banks can’t help  Cover West Midlands – alone or with others  Interest rate from Base+10% - based on risk/security  90% deals unsecured – but take guarantees  Any sector  Job creation/safeguarding

5. Grants  Business Development Grant – up to £15k  Business Innovation Programme – up to £30k  Green Bridge –up to £1m  There are others………….. changes frequently

6. Equity/Debt  Finance Birmingham -£50k-£1m – High tech/early stage/creative  Midven – 5 Funds start from £125k  Business Angel networks – Advantage Business Angels/Minerva - £150k++

7. Other Sources  Peer 2 Peer funders  ZOPA – up to £20k  Thincats - £50k- £3m  Funding Circle - £5k-£1m  Market Invoice – sell invoices online  Crowdfunders  Kickstarter – creative sectors  Seedrs - equity

8. Where Next? www.reinvest.co.uk www.birmingham.gov.uk/bdp www.birmingham.gov.uk/bip www.birmingham.gov.uk/greenbridge www.financebirmingham.com www.betterbusinessfinance.co.uk www.gbslepbusinesssupport.co.uk www.startuploans.co.uk

9. If all else fails!!!! “Put your hand down the back of the ………”