RSM Tenon Supp June 2011

Business Money

® Name of Lender

Receivables & Invoice Financiers

Recourse factoring

% LTV

AIBCS

Aldermore Invoice Finance Ashley

Barclays Corporate

Min t/o

Net worth

Non-recourse factoring

% LTV

Min t/o

Net worth

Disclosed discounting

% LTV

–––––– 80

Min t/o

1m Net

worth –

Confidential discounting

% LTV

80

Min t/o

1m Net

worth Fa DD CD –

– Fa DD CD Fa DD CD Exports 2.50-5.00 2.50-5.00 – 0.05-0.50 0.05-0.50 – neg neg

90 neg neg – – – 90 250k neg 90 300k neg 1.50-3.00 1.50-3.00 1.50-3.00 0.25-3.00 0.20-1.50 0.15-1.50 neg neg neg 90 ––––––––––– zero interest option avail

neg

Bank of Ireland UK Comm Fin 90 1m – 90 1m – 90 1m – 90 1m – 1.50-3.00 1.00-3.00 1.00-3.00 neg 85

100k

Bibby Financial Services Calverton Factors Ltd

– 85 100k –––– 85 1m 50k – neg

– 1k – – neg neg neg neg

1.50-3.00 – 1.50-3.00 0.10-1.00 – 0.10-1.00 neg – neg

Centric Comm Finance –––––– 95 Close Invoice Finance Clydesdale Bank Coface Receivables

Crédit Agricole Comm Fin Factor 21

FGI Finance

85 – – 85 – – 85 500k neg 85 500k neg 2.00-3.00 2.00-2.50 2.00-2.50 0.50-3.00 0.20-1.00 0.20-1.00 neg neg neg 85 250k neg – – – 85 250k neg 80 500k neg 1.00-3.00 1.00-3.00 1.00-3.00 0.50-3.00 0.50-3.00 0.25-1.00 neg neg neg 750k

neg 95 750k neg – 1.50-3.00 1.50-3.00 – 0.20-1.00 0.20-1.00 NA neg neg

85 – neg 85 – neg 85 200k neg 85 200k neg 1.00-3.00 1.00-3.00 1.00-3.00 0.50-2.00 0.20-1.00 0.20-1.00 neg neg neg 90 150k +ve 90 150k +ve 90 500k +ve 90 500k +ve neg neg neg neg neg neg neg 90 2m neg 90 2m neg neg

neg neg

First Trust Bank CS ––––––––– 85 Fortis Comm Finance GE Capital

Gener8 Finance Hitachi Capital HSBC IGF

Innovation Finance Ltd Leumi ABL Ltd

Lloyds TSB Comm Fin Northern Invoice Fin Partnership Finance Ltd Positive Cashfl ow Finance Pulse Cashfl ow Finance Ltd RBS Invoice Finance Regency

Resource/Pharmacy Partners Santander Invoice Finance Silverburn

Skipton Business Finance SME

State Securities

50k –– ––––––– 2.00-3.00 – 85 3m neg 85 3m neg 85 3m neg 85 3m neg – 750k

neg –

neg neg

neg neg

90 1m – 90 1m – 90 2m – 90 2m – 1.00-3.00 1.00-3.00 1.00-3.00 neg 80

– –

neg

neg –

neg neg neg

– 0.50-3.00 – –

90 3m +ve 90 3m +ve 90 3m 40k 90 3m 80k 1.00-3.00 1.00-3.00 1.00-3.00 neg 85 3m neg 85 3m neg 85 3m neg 85 3m neg 1.00-3.00 1.00-3.00 1.00-3.00 neg 85 50k neg – – – 85 50k neg 85 50k neg neg

neg neg

neg –

neg

neg neg neg

neg neg neg neg neg neg neg neg neg neg neg neg – 500 – – neg neg neg neg neg

– – neg

neg neg neg neg neg neg neg neg neg neg neg neg

90 50k neg – – – 90 400k – 90 400k 25k 1.00-3.00 1.00-3.00 1.00-3.00 0.20-2.50 0.20-2.50 0.20-2.50 1.5k neg neg 90 250k +ve 90 250k +ve – – – 90 1m 100k 2.20-3.70 2.00-3.00 1.50-2.00 1.50-4.30 neg

neg neg neg neg neg

90 neg neg 90 neg neg 90 neg neg 90 neg neg 1.50-3.00 1.50-3.00 1.50-3.00 0.2-2.50 0.25-1.50 0.25-1.00 neg neg neg 85 neg neg – – – 85 neg neg 85 150k neg neg

90 1m neg 90 1m neg 90 1m neg 90 1m neg 1.50-3.00 1.50-3.00 1.50-3.00 neg 90 ––––– 90 85

250k 150k neg 90 +ve –––––– 85

250k 500k

neg neg

neg neg neg 85 75k neg – – neg 80 250k neg – – – 2.50-4.00 2.50-4.00 – start-up – On request – – – – – – neg

2.50-4.00 2.50-4.00 1.00-4.00 neg neg

neg 0.5-3.00 0.40-1.00 0.40-1.00 neg neg neg neg neg neg neg

neg neg neg neg – neg neg neg

85 75k neg – – – 85 200k neg 85 200k neg 2.00-3.00 2.00-3.00 2.00-3.00 0.30-3.00 0.20-2.00 0.20-2.00 neg neg neg 85 from

All inclusive fee of service and discount 1.95-2.75% per month neg neg neg

90 300k neg 90 300k neg 90 600k neg 90 1m neg 1.50-3.50 1.50-3.50 1.50-3.50 0.50-3.00 0.20-2.00 0.20-1.50 neg neg neg 80

90 –––––––––– nil

85 neg neg – – – 85 neg neg 85 neg neg neg 96

50k neg ––––––––– – nil nil neg

Public sector, healthcare/pharmacy focused, 100% prepayment, recourse product. Funding charge: flat, stand-alone. neg –

neg neg

2.50-6.00 flat charge on t/o half projected t/o

neg neg neg neg – 1.25-2.00 a month flat charge – – –

100 100k neg – – – 100 200k neg 100 250k neg 1.50-3.00 1.50-3.50 1.50-3.50 0.20-1.95 0.20-1.95 0.20-1.95 neg neg neg 100 – – 100 – – 100 – – 100 – – 2.00-3.00 2.00-3.00 2.00-3.00 1.00-3.00 1.00-3.00 0.15-1.00 neg neg neg 90

The Interface Financial Group 90 Ulster Bank Ulster Factors

Ultimate Finance Group Venture Finance Yorkshire Bank

neg 100

–––––– 85

neg ––––––––– 2.00-4.00 – neg ––––––––– Daily discount fee 500k

neg 85 500k neg neg neg – 0.25-4.00 – neg neg

No charge neg

– neg – – No charge

neg neg neg neg

85 – neg 85 – neg 85 200k neg 85 200k neg 1.00-3.00 1.00-3.00 1.00-3.00 0.50-2.00 0.20-1.00 0.20-1.00 neg neg neg 90 150k neg – – – 90 150k neg 90 150k neg 1.00-2.50 1.00-2.50 1.00-2.50 0.50-2.00 0.35-1.50 0.15-1.00 – – – 90 100k neg 90 100k neg 90 500k neg 95 500k neg 1.50-3.00 1.50-3.00 1.50-3.00 neg 90 150k +ve 90 150k +ve 90 500k +ve 90 500k +ve neg

neg All information © Copyright Business-Money.com Ltd 2011 4 June 2011 neg neg

neg neg

neg neg neg neg neg

neg neg neg

Margin over bank base (%) Cost as a percentage of turnover

Minimum service charge

neg neg neg neg neg neg neg neg

The information in this table is updated every month. The Guide to Business Money Tables is on page 74 Business Money – RSM Tenon

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