Getting the right business funding at the right rate at the right time is extremely important for any serious business. You may be a complete start up with only a business idea to a more established small or medium sized organisation.

Our Business Advisors provide investment readiness support for business individuals and organisations seeking both growth and start-up funding. We will introduce and support you with the best funding streams for your business situation.  It could be for a need for short or long term finance.  Its quick and the process is easy. There are new breed and more innovative forms of financing your business and we work with a wide range of providers of these services.  Our access to finance also includes the Governments Start up Loan. We work directly with a variety of partners within the UK. We are regulated by the Financial Conduct Authority (FCA) with Credit Broker No FRN 677695. Our Business Consultants and Business Advisors are SFEDI Accredited with an entrepreneurial background themselves.

We have access to short term finance for reasons such as cash flow management, bridging loans, asset finance, invoice financing, peer to peer, etc to longer term finance payable up to 5 years – with decisions made within 48 hours in some cases. Funding can range from as little as £500 to  up to £2m. Many businesses are declined finance based on the way the application is presented to the finance company.  We help ensure that you are finance ready by providing a variety of services including business strategy, business modelling, business planning, financial cash flows and marketing plans amongst other things.

Regardless of the amount, we aim to inform, advice and guide you and your business with the best options we can. Traditional Sources of funds are through high street banks, overdrafts and Friends & family.  We introduce you to alternative sources of finance for your new or existing business that you are not necessarily familiar with, such as  peer to peer lending, merchant cash advance, second mortgages for business purposes,  flexible business finance, invoice or asset financing and a host of others.

What can be funded:

  • Cash flow
  • Expansion
  • Stock
  • Equipment purchase
  • Scale up or growth
  • Business Start Up
  • Marketing
  • Working Capital
  • Debt restructure
  • Deposits
  • Refurbishments
  • Asset Purchases
  • Research and Development Grants pre-revenue

Some of the funding organisations we work with to access finance are:

  • Funding Circle
  • Boost Capital
  • Loan.co.uk
  • Genie Finance
  • Financing Start-up Enterprise
  • IWOCA
  • Fair Finance
  • 365 Business Finance
  • JL Money
  • BizBritain
  • Crowd Cube
  • Angel Investors
  • Granted
  • Government Start Up Loans

The key thing is that its the best option for you.  We are independent and lay an emphasis on speed and ease of process whilst achieving the best option for your circumstance. It doesn’t matter if you are a new or existing business.

Call or contact us now on 033 33 55 1696 or           info@rbssconsulting.com

Programmes

 

RBSS Consulting provides a wide range of Enterprise Support Programmes to help you achieve your dream of starting or growing your business. We advise on Marketing, Performance Improvement, Funding, Improving Profit Margins, raising funds and much more. We work mainly with small and micro businesses in all industries except industrial manufacturing.

We also work on Government funded programmes for businesses such as the Growth Accelerator and programmes funded by the Local Enterprise Partnerships, European Social Fund (ESF), the European, Regional Development Fund (ERDF), Regional Growth Fund (RGF), Local Council funding for businesses, Department for Work and Pensions (DWP) Work Programme and the Job Centre Plus (JCP) funding for small business advice.

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We work with a number of Prime Providers together with subcontractors in their Supply chain to deliver the Governments sponsored Programmes, such as the Work Programme. The Work Programme is a government welfare-to-work programme introduced in Great Britain in July 2011. Under the Work Programme the task of getting the long-term unemployed into work is outsourced to a range of public sector, private sector and third sector organisations. Some of our business Partners are Reed In Partnership, Prevista, 5E, Vital Regeneration, Uxbridge College, Twin Training UK, NCFE, to mention a few.

In addition and through a series of Workshops, we provide Enterprise Skills Master Classes. RBSS Consulting Ltd provides an alternative route way to work called Start Your Own Business or Look Before You Leap. We run a series of workshops relevant to starting your own business and provide One2One Information Advice and Guidance sessions by highly qualified and specialised Business Advisers. The Workshops and Sessions will cover:

1. How to Start & fund Your Very Own Business – Look Before You Leap

2. Business Planning and Cash Flow Management

3. Sales and Marketing Strategies for Micro and Small Start Ups

4. Is Self Employment Right for You

5. The right Legal Status for Your Business

6. Financing Your Business

7. Tax, National Insurance and VAT

8. etc.

One to One Support On:

1. Ways to Win New Business

2. How to Improve Your Profit Margins

3. Becoming Investment Ready

We understand how to work with clients who are in between jobs regardless of length of time, short or long term and appreciate the challenges that they as we all do, face.

For more information about eligibility, please complete the form on the “contact” page of the website or contact us directly on 033 33 55 1696. If the lines are busy, please leave a name and number and we will call you as soon as possible. We will ask for your contact details and confirm your eligibility there and then and the next steps to help move you forward.

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Do you live or do business in the London Borough of Southwark? Do you have a business idea or currently run a business in Southwark and are looking to raise money. Do you have a business you want to start in Southwark even though you don’t live in Southwark?

Come and get real business support to start your own business or grow your existing business in Southwark. You will be given your own Business Advisor and Mentor on this programme. Becoming investment ready has never been as important as it is today. Raising Start Up Loans, approaching traditional and non traditional banks for finance for an existing business, growing your business in trying and tough economic environments is a challenge, but far from impossible. Access to loans and finance is less of a challenge when you have the right business support. We have been commissioned to support residents and businesses in Southwark to access finance by getting them to be investment ready. The sponsors of this support are Southwark Council and RBSS Consulting is working in partnership with Prevista to deliver it to the businesses and residents of Southwark.

 

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What does it entail?

Investment Readiness

  • Full diagnostic focused on getting your organisation or you to become investment ready to enable you to raise funds. Registration to get the support your own assigned Business Advisor.
  • Action planning to explore some or all of the following: Funding, Operations, Sales, Marketing, and Advertising and Budgeting and activity and Complete Business planning. These will be through a 1-2-1 review with a Business Adviser.
  • Preparation of Business Plan, Cash Flow and Profit and Loss projections, etc. Exploring which source of finance is better suited to you or your organisation.
  • Submission of a funding application to the finance company.
  • Funding Application follow up – The whole process can take as short as 2 weeks to as long as 3 months, depending on your circumstances.
  • Post Start Up Support for a further 2 months on a Voluntary Basis.

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For more information and for Real Business Solutions to Start Your Own Business or grow your exiting one profitably, please contact us on 033 33 55 1696 or email us at info@rbssconsulting.com. We will ask for your contact details and confirm your eligibility there and then and explain the next steps to you.

 

Business Loans for Both Existing and Start Up Businesses

We provide investment readiness support for individuals and companies seeking both growth or start up funding. Access to finance also includes the Governments Start Up Loan. We work directly with a variety of partners within the UK. We are regulated by the Financial Conduct Authority (FCA) with Credit Broker No FRN 677695

Some of Our Partners Are:

  • Funding Circle
  • Transmit Start-ups
  • Boost Capital
  • Fair Finance
  • Genie Lending Ltd
  • Loan.co.uk
  • IWOCA
  • JL Money
  • Crowd Cube
  • Angel Investors
  • Financing Start-up Enterprise
  • Government Start Up loans Providers

We help businesses access various sources of funds. We help ensure that you are finance ready by providing a variety of services including business advice and guidance amongst other things.

One of the main access to finance sources for new and existing businesses trading for up to 24 months comes through The Government Start Up Loans. This is for new business that are either starting out or trading for up to 24 months. We work closely with partners to help you access this.

What is a Start-Up Loan?

Start-Up Loans is a government-backed loan fund for people who want to start up their own business or are within their 2 years of trading. Loans start from £1000. The average loan size is around £6,000, however, more may be approved depending on the requirements of your business for up to £25,000.

For further information on Business Loans, please send us an email on info@rbssconsulting.com or contact us on 033 33 55 1696 (local rate). Alternatively go to our Contact page and send us a message – You will get a response within 24 hours.

Next step is to contact us by completing the consultation box on the home page or email us at info@rbssconsulting.com A SFEDI Accredited Business Adviser will contact you within 24 hours with your complimentary free initial consultation.

We also provide investment ready advice and consultancy for other forms of finance such as Angel financing, Venture financing, Crowd Funding,Bridging Loans, etc.

Start-Up Loans Frequently Asked Questions:

What are Start-Up Loans?

Start-Up loans are loans aimed at young entrepreneurs. You have to be at least 18yrs old, living in UK and looking for finance to start a business. The Start-Up Loans is a national initiative and is a government backed programme of finance, advice and support.

Who is eligible?

To apply for a loan the individual should be at least 18 years (at the time of application), a British Citizen or UK legal resident living in England and interested starting a business. You could be running the business for up to 24 months (2 years) and still be eligible.

Are there any citizenship restrictions on applicants? For example is this loan only available to British citizens.

The loan is available to anyone who is entitled to be in and work in UK (i.e. if an individual’s right to be in the UK expressly forbids them from working then they are not entitled to receive a loan, as the provision of the loan is for the purpose of starting up in business). Note also that, as business start Up support is a devolved matter, Start-Up Loans are only available to applicants intending to start and operate their business from an address in England.

Can an International Student, living in the UK apply?

Yes as long as their visa permits them to work in the UK, and their business plan is viable to allow them to repay their loan during the length of their stay.

How much can they borrow?

Loans start from £1,000. The average loan size is around £6,000, however, the final amount will be determined by the business plan and is up to £25,000.

How quickly will they receive their loan?

If you send us all the correct documentation, once the business plan has been deemed viable, the individual will be sent documentation to sign, then we will be able to approve the loan and submit to the finance company within 5 working days. After this, the finance company will contact the individual directly, asking for a signed copy of the Fixed Sum Loan Agreement, a BACS form enabling them to transfer the money to the applicant’s bank account, and a direct debit form to set up the repayments. Once they have completed these, and the finance company have received the hard copy in the post, they will transfer the money in the applicant’s bank within 10 working days.

What kind of loan is it?

The Start-Up loan is a personal loan for business use, which means if 4 or 5 people from the same company apply for a loan, all are eligible for an individual loan up to invest in their business.

If they receive a Start-Up loan, what are the payback terms?

Applicants will be required to pay back the loan within two to five years at a fixed APR (annual percentage rate) currently 6.19%. There is no interest free period, capital repayment holidays are available, but interest must be covered monthly throughout. Applicants can pay their loan off early without receiving any penalties. Example payback amounts are linked here.

Do they need a business account to receive a loan?

No – setting up a business account is not necessary, a personal account is fine.

If they already have a business set-up, can they still apply for a loan?

Start-up loans are accessible to anyone who had a business in its initial phase and it is less than 12 months since they started trading.

What else do applicants receive?

As well as the loan, business support, access to online community and mentoring, applicants will also be eligible to enrol in resources from a number of our Global Partners, all of whom will be announced on our website and Start Up Loans website, and communicated to them once they have received their loan. These global partners include Regus, PayPal, and Intuit.

Regus – 6 months free access to Regus’ Virtual Office Package and access to most of their business lounges across the world. In addition, applicants will also receive a free copy of the Start-Up Loans kit, which offers all the guidance you need to start a business, plus more than £500-worth of offers on products from business cards to websites, netbooks and work suits.

Intuit – 2 years of access to their online cloud accounting software.

PayPal – Reduced transaction fees for six months (from 3.2% to 1.4%).

EBay -Three months free eBay store and no insertion fees.

How long will the application process take?

If your form has been filled out correctly and we have all the documentation we need we will endeavour to have their loan approved within 12 working days, however, you will then need to fill our further documents for the finance partner in order to process your loan. Once you have submitted all your signed forms to the finance partner your loan should be transferred to your account within 10 working days.

Will applicants be contacted for more details?

Yes – all applicants will be contacted for more details if required.


Next step is to contact us by completing the consultation box on the home page or email us at info@rbssconsulting.com A SFEDI Accredited Business Adviser will contact you within 24 hours with your complimentary free initial consultation.