1. Bitesize
How to borrow money safely
Andrew Jesson, Manager, Unity Trust Bank Plc
National Council for Voluntary Organisations
Sustainable Funding Project

2. How to borrow money
safely
Be the Man
(or Woman)
with
THE PLAN

3. Borrowing for Future Growth
and Stability
• It is not a “Sin” to Borrow Money
• Justify your reasons
• Prepare a Business Plan
• Consider Security
• Borrowing for Growth
• Defensive Borrowing

4. Types of Borrowing
• Property purchase
• Property Development
• Asset Purchase
• Working Capital
• Franchising
• Advice

5. Things to Remember
• Prepare a Business Plan which leaves the
Bank in no doubt
• Do not borrow more than you can pay back
• Always have a Contingency Plan
• Always keep the Bank informed

6. Business Plan
• Where are you now?
• Where are you going?
• How do you propose to get there?
• Is it worthwhile?

7. Conclusion
• It is still not a “Sin” to borrow money
• Borrowing is a “tool”
• Consider all options
• Have a foolproof plan