sme cashflow presentation 9.16 final

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Specialist and Acquisition Finance (‘SAF’) is

the part of Clydesdale and Yorkshire Banks

that focuses on larger and/or more specialist

loans for business customers throughout the

UK.

Our customers range from small and

complex high-growth businesses, through

larger SMEs to those that have already

grown to become the backbone of the UK

economy – Britain’s Mid-Market businesses.

Based in various key regional locations, but

operating as a single national team, we

quickly understand what’s going on in your

business and use relevant experience to

construct your banking facilities.

We choose to focus our services across

three distinct areas:

• Private Equity Backed Businesses

• Specialist Sector Propositions

• Larger SMEs & Mid-Market businesses

SME Cashflow Finance Created to strengthen our support for UK businesses by

committing to increase lending to SMEs by way of Cashflow

Lending

• Leveraging the skills and knowledge of our Acquisition

Finance offering and assessment of business cashflows

• Focussed on the SME (£5m - £30m turnover) for

established, non-sponsored and sustainable businesses

with strong cash generation track record

• Typically minimum EBITDA £500k and leverage up to 3X

• Sector agnostic however proposition is clearly more

aligned to businesses with a more intangible nature to their

balance sheet

• Consideration will also be given for unlocking some of the

capital value of businesses through a partial equity release

(‘cash-out’)

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Case Studies

Case Studies Continued

SME Cashflow Finance Transaction Tombstones