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What’s on the menu?
financing options for small and social enterprises
financing small business growth
Traditional sources of cash
                         •
                             Equity (dragons and
•
    Personal savings         angels)
•
    Family and friends   •
                             Factoring
•
    'sweat equity'       •
                             Retained profits
•
    Debt (bank loans,
    overdraft)           •
                             Grants



                                            Adrian Ashton
social enterprise “specials”

    CDFI

    Community shares

    Social impact bonds

    Loan stock

    'In-kind'

    crowd-funding


                                  Adrian Ashton
Do you have the right type of
         income?




                          Adrian Ashton
Some problems with grants...

    Lead time

    Restrictions on use

    Cash-flow implications

    Admin time/cost in monitoring & reporting

    Risk of 'claw back'

    Risk to credibility
                                            Adrian Ashton
What do you need the cash for?

    Dealing with failure ('rebooting' the business)

    fashion/credibility

    Validation (reassuring yourself)

    Set-up

    Development

    Working capital
                                               Adrian Ashton
Why you’re ‘un-fundable’
     (you don’t give people what they want...)

• Their money back (loans, equity)

• Financial Return (loans, equity)

• Social Return (grants, loans, equity)

• Outputs & Outcomes (grants)

• Security (loans)

• Partners (grants, loans)

• Exit Strategy (equity)
                                          Adrian Ashton
Further sources info & reading

•
    Unlocking the potential – a guide to finance
    Social Enterprise UK

•
    http://www.ncvo-vol.org.uk/sfp

•
    http://www.knowhownonprofit.org/funding/social-in


•
    Simply Finance    Co-operativesUK
                                              Adrian Ashton
*GOOD MONEY WILL NOT MAKE A
    BAD ENTERPRISE GOOD




                       Adrian Ashton

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financing small business growth

  • 1. What’s on the menu? financing options for small and social enterprises
  • 3. Traditional sources of cash • Equity (dragons and • Personal savings angels) • Family and friends • Factoring • 'sweat equity' • Retained profits • Debt (bank loans, overdraft) • Grants Adrian Ashton
  • 4. social enterprise “specials”  CDFI  Community shares  Social impact bonds  Loan stock  'In-kind'  crowd-funding Adrian Ashton
  • 5. Do you have the right type of income? Adrian Ashton
  • 6. Some problems with grants...  Lead time  Restrictions on use  Cash-flow implications  Admin time/cost in monitoring & reporting  Risk of 'claw back'  Risk to credibility Adrian Ashton
  • 7. What do you need the cash for?  Dealing with failure ('rebooting' the business)  fashion/credibility  Validation (reassuring yourself)  Set-up  Development  Working capital Adrian Ashton
  • 8. Why you’re ‘un-fundable’ (you don’t give people what they want...) • Their money back (loans, equity) • Financial Return (loans, equity) • Social Return (grants, loans, equity) • Outputs & Outcomes (grants) • Security (loans) • Partners (grants, loans) • Exit Strategy (equity) Adrian Ashton
  • 9. Further sources info & reading • Unlocking the potential – a guide to finance Social Enterprise UK • http://www.ncvo-vol.org.uk/sfp • http://www.knowhownonprofit.org/funding/social-in • Simply Finance Co-operativesUK Adrian Ashton
  • 10. *GOOD MONEY WILL NOT MAKE A BAD ENTERPRISE GOOD Adrian Ashton