JUST CASHFLOW PLC INVESTMENT REPORT

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1 The content of this promotion has not been approved by an authorised person within the meaning of the Financial Services and Markets Act Reliance on this promotion, for the purposes of engaging in any investment activity, may expose an individual to a significant risk of losing all of the property or other assets invested. JUST CASHFLOW PLC INVESTMENT REPORT

2 JUST CASHFLOW PLC INVESTMENT REPORT OVERVIEW COMPANY NAME Just Cashflow Plc INVESTMENT AIM Just Cashflow loans are available to established UK limited and LLPs that are keen to grow facilitated through a secured flexible revolving credit facility. Credit lines are between 10,000 and 500,000 and operate in a similar way to a bank overdraft. Just Cashflow seeks a return on capital of greater than 20% which will include arrangement and account maintenance fees. INVESTMENT TYPE Corporate Bond LISTED: EXCHANGE or NON-LISTED Listed: Channel Islands Exchange WRAPPER TYPE Available in an ISA, SIPP, SSAS and direct cash. SPECIAL FEATURES Just Cashflow seeks to protect its capital and has a stated target of zero capital loss. 2

3 ABOUT THE INVESTMENT This is an opportunity to invest in either 7.25% p.a. for 3 years or 8.50% p.a. for 5-year bonds from an innovative loans company with a market capitalisation of 10m. The company has a simple business model, lending through three wholly owned subsidiaries offering cash flow, finance and investments and bridging loans. The bonds on offer relate to the wholly owned subsidiary Just Cashflow Plc. Just Cashflow is a responsible specialist lender to UK businesses and patron of the National Association of Commercial Finance Brokers. Established UK limited companies and LLPs can apply for a secured flexible revolving credit facility (RCF) as an alternative to a bank overdraft or business loan. Credit lines are between 10,000 and 500,000 and operate in a similar way to a bank overdraft. Just Cashflow seeks a return on capital of greater than 20% which will include arrangement and account maintenance fees. Facilities are granted for 12 months and are typically 80% utilised, with an average APR of 28%, allowing JLG to create its desired return. This facility gives the customer the flexibility to draw down only the amount required and repay it at a nonfixed date, limiting borrowing costs to times of peak cash requirement. Prior to lending, each customer must meet the criteria set out in a comprehensive underwriting process which has been developed by Just Cashflow to highlight the likely success of each business and its Directors. This process utilises a number of the new technologies available, allowing Just Cashflow to search all known record files, many currently unused by traditional lenders, all hard fact information referring both to the company and its directors. Just Cashflow also seeks to protect its capital and has a stated target of zero capital loss. Just Cashflow s terms of business are that funds are repayable upon demand. To ensure risk is minimised, Just Cashflow continuously monitors the borrower and the directors to identify changes in credit profiles. To achieve the above, the company designed and built its propriety scoring system known as PropensityPlus. WHY WE LIKE IT The investment provider has maintained an excellent credit rating. DUE DILIGENCE We undertake thorough, lawful due diligence procedures and processes in relation to all investments within our portfolios. We have a risk averse appetite for any financial and regulatory risk(s) that could impact our business. This means that the avoidance of risk and uncertainty in these areas is a key company objective. Where possible, we are happy to share the original source material contained within our Due Diligence file. This is on the basis that the investor understands it was created for the sole purposes of Avantis Wealth Ltd and does not constitute advice from Avantis Wealth Ltd. You can request a copy of our Due Diligence & Risk Management Statement by ing compliance@avantiswealth.com or by calling For Just Cashflow, Due Diligence available for review includes: Information Memorandum Security Trust Deed Dun & Bradstreet Credit Report Company Watch Financial Analysis INVESTMENT RISK - GENERAL Investment involves risk. In general, you should only invest in financial products that you are familiar with and understand the risks associated with them. The investment risk described here is not exhaustive, you should carefully consider your investment experience, financial situation, investment objective, risk tolerance level and if you have one, consult your independent financial adviser as to the suitability of your situation prior to making any investment. INVESTMENT RISK - SPECIFIC Investments in Just Cashflow are subject to risks in relation to: Operating History - Although the management is experienced, the company has no history in this marketplace upon which an evaluation of the company and its prospects can be based. Ability to Generate Income - The business is at an early stage of income generation and as a result, aspects of its business strategy are not proven. Risks relating to Taxation - Any changes to the basis of taxation may affect the return made by the company or by the investors from the company as the case may be. 3

4 F.R.E.S.H. INVESTMENT STRATEGY % F. > FIXED INCOME Term Deferred option Income option 3 years or 5 years. Available interest paid upon maturity. Available interest paid semi-annually. R. > REWARDING RETURNS Return Option to roll up Capital Growth potential Bonus 7.25% p.a. for 3-year investments. 8.50% p.a. for 5-year investments. Yes No No E. > EXIT STRATEGY Exit process Early exit / penalty if any Automatic exit upon maturity. Although designed to be held to maturity, the bonds are available to be traded at anytime throughout the term. S. > SECURITY First floating charge over all of the assets of the Company held by the Trustee for the benefit of investors. Security held by a company authorised by the FCA acting as trustee. H. > HANDS-OFF No involvement needed, as the investment is held in a corporate bond. Updates Updates on the corporate bonds and company news is available on the investment provider s website. 4

5 INVESTMENT REPORT COMPANY FACTS SENIOR MANAGEMENT TEAM The board of directors feature a wide range of relevant experience and business-building skills. The chief executives have over 30 years of company management, consultancy, and specialisation in business finance. MINIMUM INVESTMENT 10,000 GBP MONEY FLOW The investor acquires the bonds by submitting an application form to the investment provider. Upon processing the application, the investor is subscribed for the number of bonds requested. Within 14 days of the maturity date, the investor s capital will be returned, plus any interest due up to the maturity date. STRUCTURE UK based public limited company LOCATION UK TERM 3 years or 5 years WHY WE LIKE IT First alternative lender to build a loan book of 20m with zero capital losses. 5

6 FREQUENTLY ASKED QUESTIONS 1. Q. When is interest paid on the bonds? A. Within 14 days after 30 June and 31 December each year unless you have requested that it be reinvested. 4. Q. What security is in place? A. The bonds are secured by first floating charge over all of the assets of the Company held by the Trustee for the benefit of Stockholders. 2. Q. If I need to sell my bonds before maturity am I able to do so? A. Yes. The current bonds are quoted on the Cyprus Stock Exchange and can be sold through the Exchange at any time. 5. Q. Can I invest through an ISA? A. Yes. You can hold the bonds within an ISA. 3. Q. How do I sell my bonds if I need to do so? A. You just need to give the instruction to your stockbroker, either by phone or through the secure messaging service on your online account. WELCOME TO AVANTIS WEALTH ABOUT US Avantis Wealth is a specialist in high income, alternative investments. We help clients achieve market leading returns of 7%-15% per annum from their pensions, investments, and savings, potentially leading to greater financial security and a better quality of life. By investing in asset-backed opportunities and utilising our F.R.E.S.H. investment strategy, you may be making a welcome addition to your portfolio by diversifying your investments. At Avantis Wealth, we work hard so that you can make informed decisions with your money. OUR TEAM Work with Avantis Wealth and benefit from our strength of experience and understanding of property and assetbacked investments. The senior management team offers over 100 years of combined experience in property and investment. We are highly focused on achieving the very best from your investments. VALUES The relationship with you is the most important asset we have. Therefore, we work hard to earn and keep your trust. These four values underpin the decisions we make and the way in which our company operates. INTEGRITY RESPECT HONESTY RESPONSIBILITY 6

7 THE F.R.E.S.H. INVESTMENT STRATEGY Our F.R.E.S.H. investment strategy enables us to offer a comprehensive range of high return alternative investments to meet your financial goals. Investments selected using our unique F.R.E.S.H. criteria offer our clients the opportunity to significantly improve their income now or in retirement. F. R. E. S. H. % FIXED INCOME an income you can rely on REWARDING RETURNS typically 7%-15% annually, sometimes more EXIT STRATEGY knowing when the investment matures with confidence you can exit SECURITY to protect your capital in the unlikely event of a problem HANDS-OFF more time to get on with your life because you won t need to get involved THE ASTUTE INVESTOR CLUB The Astute Investor Club is for High Net Worth and Sophisticated Investors seeking high return alternative investments that can provide a transformational level of income. The club provides a program of expert alternative investment information, education, networking and support to help you take control of your alternative financial future. Astute Investor Club members enjoy a wide range of features and benefits: INVESTMENTS Complete access to all investments from Avantis Wealth Downloadable investment reports Complimentary pension review For qualifying investors, access to all Plutus Portfolio investments Pre-release information about new investment opportunities EVENTS Invitations to seminars Invitations to webinars Invitations to social and networking events EDUCATION AND INFORMATION Monthly enewsletter Quarterly Astute Investor Magazine Complimentary Special Reports Complimentary Investment Guides Investment reviews and trending topics BENEFITS Free to join 10% discount on costs of attending paid for events Complimentary copy of our new special report, How to use the F.R.E.S.H. Investment Strategy to achieve 7%-15% net annual returns JOIN NOW VISIT 7

8 Avantis Wealth Ltd. 8 The Drive Hove BN3 3JA invest@avantiswealth.com NOTICE TO INVESTORS This financial promotion is exempt from the general restriction (in section 21 of The Financial Services And Markets Act 2000 (Financial Promotions) Order 2005) on the communication of invitations or inducements to engage in investment activity on the grounds that it is made to a: Certified High Net Worth Investor (Section 48 of the Act), or Certified Sophisticated Investor (Section 50 of the Act), or Self-Certified Sophisticated Investor (Section 50a of the Act), or Members of an association of High Net Worth or Sophisticated Investors (Section 51 of the Act) Details of what is required to qualify as a certified High Net Worth Investor (Section 48) or a Self-Certified Sophisticated Investor (Section 50a) as above can be viewed in detail at Any individual who is in any doubt about the investment to which this communication relates should consult an authorised person specialising in advising on investments of the kind in question. If you do not qualify in one of the categories above and have therefore received this communication in error, please delete it as any investment mentioned in this financial promotion is only available to investors who qualify in the specified categories. DISCLAIMER Avantis Wealth Ltd is not authorised or regulated by the Financial Conduct Authority. Avantis Wealth Ltd does not provide any financial or investment advice. We provide a referral to a regulated advisor who will offer appropriate advice, or to the company offering the investment who will determine your status and suitability prior to any offer being made. We strongly recommend that you see appropriate professional advice before entering into a contract. The value of any investment can go down as well as up and you might not get back what you put in. You may have difficulty selling any investment at a reasonable price and in some circumstances, it may be difficult to sell at any price. Do not invest unless you have carefully thought about whether you can afford it, whether it is right for you and if necessary consult with a Professional Advisor in accordance with the Financial Services and Markets Act This investment is not regulated by the FCA or covered by the Financial Services Compensation Scheme and you will not have access to the Financial Ombudsman service. Information is provided as a guide only, is subject to change without prior notice and doesn t constitute an offer of investment Avantis Wealth Ltd. All rights reserved worldwide. VERSION: JCPIR_JUNE_2017