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Hui a Tau 29 & 30 September, Queenstown

Hui a Tau 29 & 30 September, Queenstown. FUNDING Phil Broughton and Stephen Craig-Pearson. Business Funding Main types Funding Stages Equity Funding Debt Funding Q&A. Types Grants Suppliers Debt Friends/family - equity

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Hui a Tau 29 & 30 September, Queenstown

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  1. Hui a Tau29 & 30 September, Queenstown FUNDING Phil Broughton and Stephen Craig-Pearson

  2. Business Funding • Main types • Funding Stages • Equity Funding • Debt Funding • Q&A

  3. Types • Grants • Suppliers • Debt • Friends/family - equity • External investors - equity

  4. Funding Stages Stage 1 Start Up Stage 2 Early Stage Stage 3 Growth Stage 4 Maturity

  5. Grants – total or subsidised e.g. • Enterprise Allowance • Poutama • Local Economic Development • Central Government • MWWL

  6. Trade Cycle Cash Purchase materials Debtors Time line between stages(Days) Sales Manufacturing Inventory

  7. External Finance

  8. Debt Finance • Low cost • Flexible • No dilution and minimal control • Repayment ability • Security

  9. Applying for (Debt) Finance • How much and why • Owner’s contribution • Business Plan • Profitability • Security available

  10. Key issues - Understand & Have a Plan • Communicate well - proactive, reporting, no surprises, initiate meetings • Give the Bank every chance to advocate for you as their client • Understand the credit process

  11. Types of Debt Finance • Banks • Finance Company • Leasing

  12. Equity Investors • Enables growth • Skills and experience • Transaction costs: legal and due-diligence • Return expectations vary • Dilution of voting rights

  13. Becoming an Attractive Business • Personal Qualities • Business Qualities • Product/Service Quality

  14. Business Funding • Grants • Internal – creditors and profitability • Debt – security / cash flow • Investors – self/friends/family & external

  15. Questions Thank you

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