Newable Business Finance User Guide
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- Eustace Wiggins
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1 Newable Business Finance User Guide 22 MARCH NEWABLE
2 Welcome to Newable Business Finance Getting finance should be quick and easy, so you can get back to doing what you do best - running your business. That s why we ve cut out the complexity and hassle of borrowing, creating simple, affordable loan product that caters to businesses that may have struggled to obtain mainstream finance. Whether it s for cashflow, asset purchase, refinancing, expansion plans, commercial property or a wide range of other reasons, we can help with a business loan of 26k - 150k. If you re an established business in the UK, trading over 12 months with a minimum turnover of 100,000, follow these simple steps and you could have the funds you need in a matter of days. In this guide, learn about: 1. Our purpose and business model 2. Who you are dealing with 3. Our products and how it can suit your business 4. Application process 5. Cost of your loan 6. Repaying your loan with easy monthly repayments 2 22 MARCH NEWABLE
3 Our Business Newable Business Finance is a joint venture between two leading SME lenders in the UK; Newable Limited and Liberis Limited. Newable Business Finance is focussed on enabling growth of UK SMEs through the provision of finance to those who feel they are unable to access finance through mainstream (i.e banks) providers. We deliver a responsible combination of high-tech loan management with high-touch business mentoring to provide funding in a timely manner accompanied with the support of our experienced business mentors. Responsible Finance Newable Business Finance is a registered Responsible Finance Provider. We support and abide by their Code of Practise to ensure our customers are treated fairly and professionally MARCH NEWABLE
4 Who you are dealing with The website, loan application, general enquiries and the post-loan mentoring service are all provided by Newable Business Finance. Newable Business Finance will also be making a credit decision on your application. If your loan application is approved, the loan will be issued by Newable Business Loans Ltd. using the Newable Business Loans; loan agreement documentation and the money will be paid from a Newable Business Loans account. Loan repayments will also be made to the Newable Business Loans bank account. Newable Business Loans is an entity that shares the same parent company as Newable Business Finance MARCH NEWABLE
5 Which business loan is right for you? You can borrow between 26, ,000, repayable over 1 5 years. Our loans are highly flexible loans that can be used for a wide range of purposes, including working capital, expansion capital, refinancing, asset purchase and more. Secured loans In some instances, Newable Business Finance s ability to provide a loan would require additional security in form of: All Asset Debenture over the company s assets Equitable charge over company or director s property. Unsecured loans If you do not have adequate collateral to secure against your borrowing, then Newable Business Finance may be able to provide an unsecured loan. This loan is will be supported by the Enterprise Finance Guarantee (EFG)* scheme operated by the British Business Bank. We will also require a personal guarantee (PG). *for more information please see our FAQs 5 22 MARCH NEWABLE
6 Applying for your business loan Online application process: The application process occurs in a number of stages that are straightforward to complete but if at any stage you need assistance please call Additionally, you may save and complete your application at a later time by logging back into your NBF account on our website. Step 1: Check your eligibility and use our quote tool to find the right loan amount and term for your business. Both features are on the lending.newable.com home page. Step 2: Create your profile/account so you can log back in to complete your application. Step 3: Complete your application Step 4: Upload required documents, including: Business bank statements (most recent 3 months) Management accounts Current VAT position (this can be obtained from your online HMRC VAT portal from View account -> VAT account) Note: The above are minimum requirements; we may request further information and conduct additional checks as appropriate. Step 5: Click Submit application Next Steps Once submitted, your application will be assessed and if considered viable our customer success team will contact you to discuss the next stage, which involves returning signed loan documentation. Most loans will require a personal guarantee or other security agreement, and for you to set up repayment via Direct Debit. Loan Documentation You will be provided with a suite of documentation MARCH NEWABLE
7 Newable Business Finance will provide you with a cover letter to specifically explain what is required of you when returning signed loan documents. The suite of loan documents will tend to include: 1. Loan Agreement 2. Personal Guarantee 3. Board Resolution (for Limited Companies only) 4. Direct Debit Mandate (for Loan payments) 5. [If applicable] Debenture document (Debenture loans only) 6. [If applicable] Direct Debit Mandate (for EFG premium payment) 7. [If applicable] EFG specific documents: a. Information Declaration b. Premium Schedule c. EFG direct debit mandate d. State Aid Letter Receive Funding! When all required documents have been signed and returned, you will receive your approved loan amount in your nominated business bank account within 1 working day! 7 22 MARCH NEWABLE
8 What is the cost of my loan? Interest Rates Interest rates are linked to the Bank of England Base Rate (Base Rate). The interest rates we charge depend on the perceived risk of the loan, they range from 12% above Base Rate to 30% above Base Rate. If applicable, you may need to make a 2% premium payment to BEIS for the provision of the Enterprise Finance Guarantee. Fees A one off arrangement fee for 4% of the value of the loan is deducted of the disbursed amount. If your business is eligible for an EFG-backed loan, a 2%p.a. premium payment is to be paid directly to BEIS. The payment is quarterly and based on the outstanding balance of the loan. The online quote tool does not include this 2% fee in the calculation. There are no early repayment fees. You can pay back the loan at any time without paying a penalty. Quote You can use our interactive quote tool on the homepage to find the loan amount and term that suits your business! Final Cost of My Loan The final cost and structure of your loan will be determined after the credit assessment process. This will be communicated to you and agreed as part of your final loan agreement documentation MARCH NEWABLE
9 Repaying your loan One simple monthly repayment Loans are usually repaid in equal monthly instalments over the term you choose for your loan, via direct debit. Important note: Your monthly repayment will begin on the first Wednesday of each month. Repaying your loan early? No problem. You can repay the full amount early at any time with no penalties. Simply make the final payment for the balance owing on your loan, including interest owing for that month. To see the current balance of your loan login to your portal at Need a second loan? You can also take out a second loan before you ve finished repaying your first. We will assess this on a case by case basis so if you are interested then please contact us on # 9 22 MARCH NEWABLE
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