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The Future of Business Lending - Newmarket Kitchen · Peer to Peer Business Loans Presented by:...
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Peer to Peer Business Loans Presented by: Conor McAleese Linked Finance The Future of Business Lending
Transcript of The Future of Business Lending - Newmarket Kitchen · Peer to Peer Business Loans Presented by:...
Peer to Peer Business Loans
Presented by:
Conor McAleese Linked Finance
The Future of Business Lending
LINKED FINANCE.COM
Ireland’s only
Peer to Peer Lending
platform for Irish SME’s
Linked Finance VIDEO
*A NEW alternative for business lending in Ireland
LINKED FINANCE.COM
Banks not lending to the 189,000 Irish SMEs
€92 Billion in private individuals/households
savings earning ‘low’ interest rates.
SOLUTION: ‘Crowd Funding’
Why ‘SME’ Crowd Funding
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Enterprise Ireland HPSU 2012
Chairman - Kingsley Aikins
Founders - Peter O’Mahony,
Conor McAleese, Marc Rafferty
Advisors - Enterprise Ireland,
Senator Feargal Quinn , PwC
Who are Linked Finance
LINKED FINANCE.COM
The MARKETPLACE Platform • Business Loans from €5,000 to €50,000 • Interest rates from 5%-15% for lenders • Repayable over 36 months • Unsecured & No early settlement fee
What does Linked Finance provide?
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• 200 + Business loans fulfilled
• Average loan €28K
• Over 7000 Registered Lenders
• €5 Million in BIDS in MARKETPLACE
So FAR……
LINKED FINANCE.COM
• 175 + Business loans fulfilled
• Average loan €28K
• Over 7000 Registered Lenders
• Average 247 lenders per loan
• Average rate 8.7% - unsecured
• No defaults (target rate 1.5%)
So FAR……
LINKED FINANCE.COM
St. Tola’s Goat Cheese
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Equipment and Working Capital
NewGrange Gold
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New Forklift
Mossfield Organic Farm
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Working Capital and Refrigerated Van
Crossogue Preserves
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Stocking Loan and Marketing
M & D Bakery
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Working capital, new staff and online presence
Castlemine Farm
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Opening new shop/New Product Launch
Knockanore Farmhouse Cheese
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New Production Equipment/Plant
Longueville House Cider
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New Labelling Equipment and Bottling Process
Killowen
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New Production Equipment and Working Capital
21 out of 26 counties nationwide!
Sectors include:
• Manufacturing/Engineering
• Retail / Wholesale
• Agriculture/ Food production
• Consumer services
• Professional services
• Educational & training
• Health care
• Leisure & hospitality
Types of SMEs
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Who is Borrowing? Butcher, Baker & Candlestick Maker
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LINKED FINANCE.COM
LINKED FINANCE.COM
Cheaper and quickly available funding
A real alternative to your existing Bank
An unlimited resource to grow your business
Broader publicity for your business
What does this mean for your business?
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Business loans for Growth
1. 1. Working capital 2. Stock 3. New equipment purchases 4. Sales & Marketing drives 5. New market expansions 6. Leasing of vehicles & equipment 7. Hiring new staff
2. 8. Growing your business
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The 1000’s of Linked Finance Lenders become
Product/Service Ambassadors
Sales Representatives for your Company
Loyal Customers to the Business
Lenders TO your Business
LINKED FINANCE.COM
Example: Your business has:
• 200 LinkedIn connections
• 500 Facebook friends
• 300 Twitter followers
Loan Required: €25,000
*If 250 of your connections make a €100 contribution, the loan would be fully funded.
A Truly Social Network
LINKED FINANCE.COM
P2P Lending around the World
• Launched 2010 - £500M million to SME’s in the UK • £60 million lent by the UK Government
LINKED FINANCE.COM
P2P Lending around the World
• Launched 2010 - £370 million to SME’s in the UK • £60 million lent by the UK Government
• Launched 2006 - £$5BN consumer loans in the US • Currently Lending $350 million per month • IPO in October and Google invested $125 million
LINKED FINANCE.COM
