1. Presentation at Torbay Business Festival 22 nd November 2013 South West Investment Group Ltd

2. BACKGROUND  Established in 1988,  ‘Not for profit’ Limited Company,  Provide fund management services for South West Investment Group Capital Ltd,  Founder member of the Community Development Finance Association,  Providers of “Gap funding” to SMEs and start-ups across the South West,  Have lent more than £12 million to > 1,200 businesses since 1996.

3. SWIG Services Ltd CURRENT FUNDS South West Microcredit Fund South West Loan Fund Start-up Loan Fund

4. SWIG Services Ltd South West Microcredit Fund  A £2M fund launched in 2010 that will be available until December 2015  Available in Torbay, Bristol, Plymouth and Swindon  Provides loans up to £7,500

5. SWIG Services Ltd South West Microcredit Fund  Available to start-ups or existing businesses that cannot raise all the finance required through conventional sources,  Fixed interest rate,  3 year repayment term  Can be used for working capital or capital purchases, Will not support  Repayment of existing borrowings,  Not lender of last resort to businesses ‘in difficulties’

6. SWIG Services Ltd South West Loans Fund  A £11M fund launched in 2009 that will be available until December 2015  Available across the whole of the South West region  Provides loans up to £50,000

7. SWIG Services Ltd South West Loan Fund  Available to start-ups or existing businesses that cannot raise all the finance required through conventional sources,  Businesses must demonstrate growth,  Products / services must be B2B and not to individuals,  Fixed interest rate,  5 year repayment term,  Can be used for working capital or capital purchases, Will not support  Repayment of existing borrowings,  Displacement (local services),  Not lender of last resort to businesses ‘in difficulties’.

8. SWIG Services Ltd Start-up Loan Fund  A £10M national fund that will run until March 2014,  Available across the South West region,  Provides loans from £500 to £5,000 with a maximum of £10,000 to any one business.

9. SWIG Services Ltd Start-up Loan Fund  Available to start-up businesses only,  Available across the South West region,  Applicants must have received business advice to help them with their business plan and must agree to work with that advisor or mentor whilst the loan is being repaid,  Fixed interest rate,  5 year repayment term  Can be used for working capital or capital purchases,

10. SWIG Services Ltd Application Process Step One - Contact us  Complete online Enquiry Form,  If eligibility confirmed proceed to full application and business plan,  Timescales from receipt of complete application to decision South West Microcredit Fund) Start-up Loan Fund) typically > 2 weeks South West Loans Fund >£20,000) South West Loans Fund £20,000 + typically > 6 weeks

11. SWIG Services Ltd Contact Details : South West Investment Group Services Ltd Lowena House Glenthorne Court Truro Business Park Threemilestone TRURO TR4 9NY 01872 223883 info@swigfinance.co.uk www.swigfinance.co.uk