anchor.diff:  Tel: 0117 372 3634
   Email: rdpenetwork@defra.gsi.gov.uk
   "
  -783,18716,12835,"Export Finance â€“ Northern Bank",,"<p>This scheme offers finance to buyers dealing with the export of capital equipment, project-related goods and services.</p>","<ul><li>The sale must involve capital equipment and project-related goods and services.&nbsp;</li><li>The importer must pay at least 15% of the contract amount in advance.&nbsp;</li><li>Whilst 85% of the contract amount may be export-financed, the guarantee may also cover certain expenses for establishing the financing, such as the guarantee premium paid to an export credit agency.&nbsp;</li><li>The maximum period between installments is six months.&nbsp;</li><li>The portion of the export from the exporter's home country must be at least 20%-50%, depending on the importer's country and the export credit agency involved.&nbsp;</li><li>The local part of the contract must be covered by the down payment.</li></ul>","<p>This scheme is for exporters of capital equipment and project-related goods and services, the ability to offer financing to buyers has become an increasingly important competitive advantage in winning business.</p>",,0,0,0,,0,0,0,"Northern Bank","Scheme offering finance to buyers dealing with the export of capital equipment, project-related goods and services.",http://www.northernbank.co.uk/en-gb/Business/Medium-business/Trade-finance/Export-finance/Pages/Export-finance.aspx,"Northern Bank website","Northern Bank Limited  
  +783,18716,12835,"Export Finance - Northern Bank",,"<p>This scheme offers finance to buyers dealing with the export of capital equipment, project-related goods and services.</p>","<ul><li>The sale must involve capital equipment and project-related goods and services.&nbsp;</li><li>The importer must pay at least 15% of the contract amount in advance.&nbsp;</li><li>Whilst 85% of the contract amount may be export-financed, the guarantee may also cover certain expenses for establishing the financing, such as the guarantee premium paid to an export credit agency.&nbsp;</li><li>The maximum period between installments is six months.&nbsp;</li><li>The portion of the export from the exporter's home country must be at least 20%-50%, depending on the importer's country and the export credit agency involved.&nbsp;</li><li>The local part of the contract must be covered by the down payment.</li></ul>","<p>This scheme is for exporters of capital equipment and project-related goods and services, the ability to offer financing to buyers has become an increasingly important competitive advantage in winning business.</p>",,0,0,0,,0,0,0,"Northern Bank","Scheme offering finance to buyers dealing with the export of capital equipment, project-related goods and services.",http://www.northernbank.co.uk/en-gb/Business/Medium-business/Trade-finance/Export-finance/Pages/Export-finance.aspx,"Northern Bank website","Northern Bank Limited  
   Donegall Square West 
   Belfast 
   BT1 6JS
   "
  -784,18745,12836,"Invoice Discounting â€“ Skipton Building Society",,,,"<p>This scheme offers advice on an invoice discounting solution to give a business more flexibilty with cash flow.</p><p>Invoice Discounting solution&nbsp;and cash for debts up front, means&nbsp;businesses have the freedom to make payments on regular bills such as; tax, salaries or rent and confidence if unexpected bills occur.</p><p>A flexible service can ensure that businesses may not need to increase or re-negotiate overdrafts and other borrowings.</p>",,0,0,0,,0,0,0,"Skipton Building Society","Advice about an invoice discounting solution which gives businesses more flexibilty with cash flow",http://www.skiptonbusinessfinance.co.uk/invoice-discounting,"Skipton Building Society website","Enterprise Directorate, 1 Victoria Street, London
  +784,18745,12836,"Invoice Discounting - Skipton Building Society",,,,"<p>This scheme offers advice on an invoice discounting solution to give a business more flexibilty with cash flow.</p><p>Invoice Discounting solution&nbsp;and cash for debts up front, means&nbsp;businesses have the freedom to make payments on regular bills such as; tax, salaries or rent and confidence if unexpected bills occur.</p><p>A flexible service can ensure that businesses may not need to increase or re-negotiate overdrafts and other borrowings.</p>",,0,0,0,,0,0,0,"Skipton Building Society","Advice about an invoice discounting solution which gives businesses more flexibilty with cash flow",http://www.skiptonbusinessfinance.co.uk/invoice-discounting,"Skipton Building Society website","Enterprise Directorate, 1 Victoria Street, London
   0845 602 9354
   info@skiptonbf.co.uk"
   785,18768,12898,"National Loan Guarantee Scheme (NLGS)","<p>The scheme is open to businesses from all sectors, but NLGS loans are subject to EU state aid rules that cap the maximum amount of Government aid any business may receive. See the <a href=""%5bhttp:/www.hm-treasury.gov.uk/nlgs"">HM Treasury website</a> for details.</p><p>For information on specific loan products and more information on how to apply for a NLGS loan, contact a participating bank.</p><p>Banks will also be able to advise you on other Government schemes for small businesses, such as the Enterprise Finance Guarantee (EFG) and UK Export Finance (UKEF).</p>",,,"<p>Businesses that take out a National Loan Guarantee Scheme (NLGS) loan will receive a discount on their loan of one percentage point compared to the interest rate that they would otherwise have received from that bank. Interest rates on NLGS loans may vary between banks, as each bank operates their own pricing models</p><p>The NLGS discount may apply to new term loans, hire purchase and leasing arrangements. This is determined by each bank. Refinancing of existing facilities where the term or amount has changed is also permitted. The minimum term for a loan will be one year. Individual banks determine the length of the loan.</p><p>NLGS discounts do <strong>not</strong> apply to overdrafts, revolving credit, invoice finance and business credit cards.</p><p>Businesses should contact relationship managers at participating banks. The application process is similar to that for regular loans. The banks' usual lending conditions apply, including the possible need for security, such as a personal guarantee.</p><p>The participating banks are:</p><ul><li>Santander</li><li>Barclays</li><li>Lloyds</li><li>Bank of Scotland</li><li>RBS</li><li>Nat West</li></ul>",50000000,0,0,0,,0,0,0,"UK Banks","Government scheme to help businesses access cheaper finance, by reducing the interest rate of bank loans under the scheme by 1%",http://www.hm-treasury.gov.uk/nlgs,"UK Banks website",
  
positive.code: 660,18583,11542,"High Growth Start-Up Support - Wales",,"<p>New businesses and entrepreneurs based in Wales with high growth potential may apply.</p> ",,"<p>Service designed to assist new businesses and entrepreneurs in dealing with establishment and running of a promising enterprise.</p> <p>Specialist support is customised to meet individual needs.</p> ",,0,249,0,,0,1,0,"Venture Wales - Head Office","Advice and support for new businesses with potential for high growth",http://www.venturewales.com/home.php?page_id=9,"Venture Wales - Head Office website","Venture Wales - Head Office enquiries@venturewales.com 0845 045 3150 Tymenter Venture House Navigation Park Abercynon Rhondda Cynon Taff CF45 4SN"
  661,18563,11543,"Business Strategy and Planning - Wales",,"<p>Businesses based in Wales may apply.</p> ",,"<p>Specialised consultancy designed to assist companies in development of an effective and practical business strategy.</p> <p>Service focuses on identifying a factor that separates a business from others, and using this differential as a competitive advantage in the chosen market.</p> ",,0,249,0,,0,1,0,"Venture Wales - Head Office","Strategy and planning consultancy for businesses in Wales",http://www.venturewales.com/home.php?page_id=45,"Venture Wales - Head Office website","Venture Wales - Head Office enquiries@venturewales.com 01443 742 888 Tymenter Venture House Navigation Park Abercynon Rhondda Cynon Taff CF45 4SN"
  662,18585,11544,"Improving Marketing Performance - Wales",,"<p>Businesses based in Wales may apply.</p> ",,"<p>Businesses can access advice and support designed to assist them in enhancing their marketing performance. The service provides support regarding:</p> <ul> <li>research</li> <li>planning</li> <li>strategy</li> <li>internalisation</li> </ul> ",,0,249,0,,0,1,0,"Venture Wales - Head Office","Advice and support to improve market performance",http://www.venturewales.com/home.php?page_id=46,"Venture Wales - Head Office website","Venture Wales - Head Office enquiries@venturewales.com 01443 742 888 Tymenter Venture House Navigation Park Abercynon Rhondda Cynon Taff CF45 4SN"
  663,18767,11545,"NWES Advance Loan Fund â€“ East of England","<p>NWES Advance has been assisting businesses since 2004 and is a registered Community Development Finance Institution.</p> <p>The NWES Advanced Loan Fund is currently unavailable. Please check the website for further information regarding the future of the loan.</p> ","<p>The NWES Advance Business Loan is available to existing and start-up businesses within the East of England.</p> ","<p>Loans from NWES Advance are based on relationship management. All loans are assessed on an individual basis.</p> ","<p>Businesses who have been unable to access business finance may be eligible to apply for a loan from NWES Advance.</p> <p>Reasons for being unable to access finance may include:</p> <ul> <li>poor credit history</li> <li>little or no credit history</li> <li>county court judgements (CCJs) against the business or owner's name</li> <li>discharged bankruptcy</li> </ul> ",,0,249,0,,0,1,0,"NWES - Great Yarmouth","Loans for businesses in East Anglia that are unable to access finance from mainstream sources",http://www.nwes.org.uk/Finance.aspx,"NWES - Great Yarmouth website","NWES advance@nwes.org.uk 0845 491 8735 Norwich Enterprise Centre 4b Guildhall Hill Norwich Norfolk NR2 1JH"
  664,16591,11547,"East London Small Business Centre Ltd (ELSBC)","<p>Funds are available to businesses that are unable to obtain all the finance required through conventional sources, such as a high street bank.</p> <p>Applicants must submit a detailed business plan that demonstrates the viability of their business.</p> ","<p>Applicants must be based in:</p> <ul> <li>Barking and Dagenham</li> <li>Greenwich</li> <li>Havering</li> <li>Lewisham</li> <li>Newham</li> <li>Tower Hamlets</li> </ul> <p>The availability of certain funds is restricted to businesses located in designated areas.</p> ",,"<p>The East London Small Business Centre (ELSBC) provides a range of loan funds for both start-up and established businesses based in designated areas of Barking and Dagenham, Greenwich, Havering, Lewisham, Newham or Tower Hamlets.</p> ",,0,249,10000,,0,1,0,"East London Small Business Centre Ltd (ELSBC)","Funding for loans to new and existing businesses in East London",http://www.elsbc.com,"East London Small Business Centre Ltd (ELSBC) website","East London Small Business Centre Ltd (ELSBC) info@smallbusinesscentre.org.uk 020 7377 8821 Universal House 88-94 Wentworth Street London E1 7SA"
  665,18586,11548,"Company Turnaround Service - Wales",,"<p>Businesses based in Wales may apply.</p> <p>Applicants must have a sales turnover from &amp;pound;500,000 to above &amp;pound;20 million.</p> ",,"<p>Specialised advice and support designed to help businesses in financial difficulty to rectify the situation. The service follows a three phase format:</p> <ul> <li>a business diagnosis review and action plan</li> <li>support in developing a detailed turnaround plan</li> <li>support in implementing the agreed turnaround plan</li> </ul> ",,0,249,0,500000,0,1,0,"Venture Wales - Head Office","Specialist advice for businesses in financial difficulty",http://www.venturewales.com/home.php?page_id=47,"Venture Wales - Head Office website","Venture Wales - Head Office enquiries@venturewales.com 0845 045 3150 Tymenter Venture House Navigation Park Abercynon Rhondda Cynon Taff CF45 4SN"
  666,18587,11549,"Succession Planning - Wales",,"<p>Owners or managers of small to medium-sized enterprises based in Wales may apply.</p> ",,"<p>Advice and support designed to assist businesses in developing a secure business succession plan, whilst avoiding barriers typically faced in the process.</p> ",,0,249,0,,0,1,0,"Venture Wales - Head Office","Specialist advice on developing a succession plan",http://www.venturewales.com/home.php?page_id=51,"Venture Wales - Head Office website","Venture Wales - Head Office enquiries@venturewales.com 01443 742 888 Tymenter Venture House Navigation Park Abercynon Rhondda Cynon Taff CF45 4SN"
  
negative.code: 801,18847,12918,"Barclays Enterprise Finance Guarantee",,,,"<p>If your business turnover is £40 million or less, you may be eligible for funding under Enterprise Finance Guarantee. This is a product which allows businesses of all ages which have a lending need but lack available security to raise finance, through Barclays with the Department for Business, Innovation and Skills (BIS) providing a partial guarantee for the loan.</p><p>As it's guaranteed by the Government,&nbsp;Barclays can offer loans (subject to status) to businesses that do not meet the normal criteria because they have insufficient security available.</p><p>You can use the funds to help with a range of business needs, from buying assets to working capital (subject to certain eligibility criteria specified by the Department for Business, Innovation and Skills).</p>",,0,0,0,,0,0,0,Barclays,"Partial Government guarantee on loans alowing businesses with a turnover of less than £40m but lack available security to raise finance",http://www.barclays.co.uk/Businesslending/EnterpriseFinanceGuarantee/P1242559181698,"Barclays website",
  802,18875,12919,"Barclays Business Loans over £25,000",,,,"<p>Business loans offer cash for working capital, refurbishment, property development, new machinery or equipment.&nbsp; Loans can be for any amount between £25,000 to £3 million. Repayment terms are available for any period up to 20 years.</p><p>There is the opportunity to take a capital repayment holiday of up to 2 years&nbsp;at the start of your loan and also to pay off lump sums of the loan or repay the entire loan early.</p><p>Loans have fixed interest rates - please see the website for details.</p>",,0,0,0,,0,0,0,Barclays,"Business loans offering cash for working capital, refurbishment, property development, new machinery or equipment",http://www.barclays.co.uk/Businesslending/Businessloansover25000/P1242597638988,"Barclays website",
  803,18856,12920,"Barclays Flexible Commercial Mortgage",,,,"<p>Commercial mortgages are available for any business purpose, such as buying premises or releasing equity from existing premises. Business mortgages can be for any amount up to £25,000.</p><p>A repayment period of 1 to 25 years is available.</p><p>Loans have fixed interest rates - please see the website for more details.</p>",,0,0,0,,0,0,0,Barclays,"Flexible mortgages for businesses",http://www.barclays.co.uk/Businessloansoverdraftsandmortgages/Businessloansoverdraftscashflowfinanceandmortgages/Commercialmortgages/P1242558554837,"Barclays website",
  804,18883,12921,"Research & Development & Innovation",,,,"<p>The Welsh Government's Research &amp; Development &amp; Innovation RD&amp;I<strong> </strong>funding and support scheme for Research and Development is primarily aimed at start-up businesses and small and medium-sized enterprises (SMEs) already operating in Wales.</p><p>Support is offered, at the discretion of the Welsh Government, to help businesses carry out research and development work that will lead to <strong>technologically innovative products or processes</strong>. Proposals are assessed against selection criteria that include the level of technological innovation, technical risks, commercial prospects and the need for grant funding. The proposal must demonstrate that grant funding support is essential to the project. There are four types of financial support aimed at supporting different phases of a research and development project:</p><ul><li>Technical and Commercial Feasibility:</li></ul><p>funding to help investigate and assess the theoretical technological and commercial viability of transforming innovative ideas into new products, processes or technologies.<br /><br />Typical project duration: 1 - 6 months.</p><ul><li>&nbsp;Industrial Research:</li></ul><p>funding to help undertake planned practical research with the purpose of acquiring new knowledge that will allow the development of a basic working model of a new product or process.</p><p>Typical project duration: 3 - 12 months.</p><ul><li>&nbsp;Experimental Development:</li></ul><p>funding to help implement the results of industrial research including the development of a pre-production prototype of a new product or process involving a significant technological advance.</p><p>Project duration: 6 - 24 months.</p><ul><li>&nbsp;Exploitation :</li></ul><p>funding to assist with the exploitation costs of a new product or process. This element is only available to companies who have received RD&amp;I support at least one of the previous phases.</p><p>Project duration: up to 12 months.</p>",,0,250,0,,0,0,0,"Welsh Government","Government support for Welsh businesses in developing technologically innovative products and processes",http://business.wales.gov.uk/bdotg/action/layer?site=230&topicId=5001459854,"Welsh Government website",
  805,18865,12922,"e-business support",,,,"<p>The Welsh Government e-Business Team exists to help businesses inWalesbecome more profitable by promoting better use of information and communications technology (ICT). The e-Business Team aims to help businesses to:</p><ul><li>reduce their costs</li><li>become more innovative</li><li>trade more profitably</li><li>develop and grow</li><li>collaborate productively</li></ul><p>&nbsp;The e-Business Team also helps businesses to improve their performance by efficiently integrating ICT into their core business processes. Most business processes can be streamlined by using ICT effectively.</p><p>Some examples of the types of technology that the team has helped businesses to adopt include:</p><p>customer relationship management systems</p><ul><li>enterprise resource planning software</li><li>financial management packages</li><li>stock control systems</li><li>information management tools</li><li>electronic supply chain management systems</li></ul>",,0,0,0,,0,0,0,"Welsh Government","E-business support to improve profitability for Welsh businesses by promoting better use of ICT",http://wales.gov.uk/topics/businessandeconomy/broadbandandict/ict/?lang=en,"Welsh Government website",
  806,19298,12927,"Department of Enterprise, Trade and Investment (DETI) Publications",,,,"<p>This scheme offers valuable knowledge, information and data on a range of business related areas, which details the progress, prospects and problems of the Northern Ireland (NI) economy.</p>",,0,0,0,,0,0,0,"Department of Enterprise, Trade and Investment (DETI)","Business-related information and data about the Northern Ireland DETI research agenda ",http://www.detini.gov.uk/deti_research_agenda.pdf,"Department of Enterprise, Trade and Investment (DETI) website","Netherleigh, Massey Avenue, Belfast BT4 2JP
  028 9052 9475
  