Small business services
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Small Business Services. Small Business Services. Our Focus. Focus on s mall businesses with annual turnover up to R 7.5 million. Market segmentation allows for a greater focus o n a market that has diverse and specific needs Specific segments include :

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Small Business Services

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Small business services

Small Business Services

Small Business Services


Our focus

Our Focus

  • Focus on small businesses with annual turnover up to R 7.5 million.

  • Market segmentation allows for a greater focus on a market that has diverse and specific needs

  • Specific segments include:

    • Start-up businesses (not yet started, less that 2 years old)

    • Small sized franchises (e.g. Vodashop, Captain Doregos, Romans Pizzas)

    • Small professional entities (e.g. doctors, dentists, accountants, lawyers, engineers )

    • Established small business (older than 2 years - general service, retailing & manufacturing concerns)


Market challenges

Market Challenges

  • Access to markets

    • Opportunities

    • Capital

  • Financial Acumen

  • Business formalisation

  • Access to Support Services/growth partners

  • Lack of Collateral


Our offer

Our Offer

Through our understanding of self-employed and challenges they face we provide ‘banking’ given their unique requirements as well as ‘value added’ offers that will assist with their success.Banking….

  • Focussed segmentation approach delivering banking given the unique criteria and needs of a segment…focus on start-up and franchise

  • Relationship Model that supports the segmentation strategy via dedicated relationship managers and small business services staff in branches

  • Specialist unit to focus on start-ups

  • A credit philosophy and policies aligned to the segment focussed approach

  • Service efficiency and excellence

  • Unique start-up offer

  • Value adds as part of the start-up offer and available to non-start ups.


Unique start up offer

Unique Start-up Offer

  • We have a specific offer to assist start-up businesses in their success.

Mentorship

Business Registration

Finance & Free

transactional banking

Free business seminars

Khula

Free financial training franchisees


Free banking

Free Banking

  • Targeted at Start-up businesses (under two years)

  • Take out a minimum R100 000 loan size and qualify for FREE:

    • Unlimited Cash Deposits

    • Unlimited Debit Orders

    • Unlimited Cheques from own cheque book

    • Unlimited Internet Banking

      Market First !


Added value business registration

Added Value – Business Registration

  • Business Registration via Swiftreg – a strategic partner

  • Nedbank Small Business Services Representative in a branch will facilitate the process

  • Existing and new clients – Nedbank Small Business Services current account as primary account

  • Pure value add to our clients (also available to non-start-ups)

  • Cost

    • CCs - shelf and new = R360

    • (Pty) Ltd shelf = R1065 (Pty) Ltd new = R950

    • Cost for the service paid by the client directly to SwiftReg.


Added value mentorship

Added Value - Mentorship

  • Delivered by Business Partners – one of our strategic partners

  • On application for finance or turnaround mentorship

  • Across various disciplines e.g. finance, marketing, start-up, franchising.

  • Nedbank makes a financial contribution to the mentorship cost.


Added value khula agreement

Added Value - Khula Agreement

  • Nedbank first to sign revised Agreement

  • Loan size

    • R10 000- R250 000 (90% Indemnity Cover)

    • R250 001-R1 000 000 (80% Indemnity Cover)

    • R1 000 001-R3 000 000 (70% Indemnity Cover)

  • Developmental Focus

    • Rural Focus

    • Women owned businesses

    • Bottom-end Lending focus


Our products and services

Our Products and Services


Funding the start up growth

Funding the start-up / growth

What does the bank need ?

  • Comprehensive Business Plan

  • Cash Flow Projections

  • Information on the owner (s):

    • CV and ID,

    • personal statement of assets and liabilities

    • Personal account bank statement


Funding the start up growth cont

Funding the start-up / growth(cont...)

What the bank needs (cont....)

  • Business financial information and bank statements

  • Other relevant documents

  • Own contribution

  • Security offered

Don’t Worry

Specialist Manager

On Call


What the bank considers

What the bank considers

  • The business owner’s character and personality traits

  • Experience of the business owner

  • The viability of the business in respect of:

    • Location

    • Competition

    • Suppliers

    • Growth potential etc, etc

  • Quality of business plan/projections


Our approach

Our Approach


Concluding remarks

Concluding Remarks

  • We specialise in Small Business (dedicated division)

  • Focus on Black owned businesses.

  • Dedicated Nedbank Small Business Services representation

  • Differentiated credit lending model catering for the diverse needs of the small business market.

  • We offer “value-added” services business through strategic partnerships namely mentorship, business registration, free financial franchise training, risk underwriting, business management seminars.

  • Our value proposition is underpinned by service efficiency & excellence.


Small business services

Contact details

Grant Kirkbride

(031) 2516429

Cell: 071 869 8600

[email protected]


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