Bellman Media Limited

Digital Media

Funds Requested

£75,000.00

Offered so far

£0.00

Loan term

60 MONTHS

Auction Closed

2015-09-25

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About the Business

Company Name: Bellman Media Limited Company Number: 05063050
Business Type: Digital Media Years Trading: more than 10 years
Business Location: WIVELSFIELD, HAYWARDS HEATH

About the Risk

Risk rating

B

Default rate

7.10%

Bad debt rate

5.84%

About the Security

Security Offered:

Personal Guarantee - PG from director and majority shareholder

Est. Equity: 0.00

2nd Charge on Residential Property - Second priority legal charge over personally-owned residential property

Est. Equity: 0.00

Risk Indicators Identified:

Important Files

Who are we?

http://www.bellman.co.uk/

We are an independent strategic marketing agency working across a number of industries from financial services to manufacturing, charities to government. We have a broad client base which includes Direct Line Group, Fidelity International, Standard & Poor's, NIG, UK Trade & Investment and University of Sussex.

As a full-service agency we deliver integrated marketing campaigns to help position our clients’ businesses effectively within their marketplace. Our strategic approach ensures we deliver only the most appropriate solutions for their business, providing excellent value for money and return on investment.

Our experienced and energetic team offers a wide range of skills across the marketing spectrum, developing creative ideas and designs to help meet clients’ strategic objectives. Our multi-disciplined approach encompasses both offline and online media; from branding to websites; events to eMarketing; print to SEO; campaigns to social media.

Our focus has always been on innovation – particularly digital - which makes us stand out from our competitors. We worked with UK Trade & Investment on their global Innovation Campaign, showcasing the UK’s skills in this area. In addition, we lead the way in developing interactive infographics, 2.5D video and sophisticated modelling and animation.

Our focus on high service levels has led to high client retention and we’ve managed to springboard our successful established client relationships to build new business. .

Read more

Loan Offers

What is the loan for?

Cashflow and implementation of growth strategy.

The Directors are keen to exploit reactive & proactive opportunities available by attracting new clients in the sectors where they are well known.

Monies will be used for immediate growth as follows:

• Working Capital to manage cashflow

• Investing in additional staff to support the growth

• Associated office costs which includes restructuring

• Marketing costs

• Investing in IT for the latest technology

Why consider investing?

We are a long standing business having traded for 10 years with an excellent track record. The Directors have a high level of experience, contacts & clients. We also benefit from an experienced team with long-standing loyal staff, currently totalling 15.

Our existing portfolio of clients spans a broad spectrum in both the public and private sectors including Finance, Manufacturing, Further Education and Health.

Growth plans will see turnover push upwards of £1.8 million over the next 12 months.

The last 2 years’ Financial Accounts evidence good profitability to service the requested debt. The growth in 2013 & 2014 has been through a few key clients; to maintain the momentum the Directors want to push their plans to see turnover achieve in excess of £1.8 million via reducing the risk in growing by obtaining a mix of additional clients. This on average, is an additional £25k per month in sales.

The Directors have also shown their joint commitment by offering a second legal charge over their residential property.

Rebsoc Disclosure

As at June 2015 the directors loans totalled £140,337 borrowed from the company. The Directors intend to clear this down to zero by 31 March 2016.

Security

The loan is to be secured by way of Personal guarantee and a 2nd charge on a personal property.

The director has an estimated net worth of approximately £229k. This is through ownership of a property with an estimated value of £560k and approximately £235k equity.

The second charge will be placed on the director's personal property as detailed above.

DateAmountCapitalInterestReceived
25/10/2015£1,842.64£813.26£1,029.38
25/11/2015£1,842.64£824.42£1,018.22
25/12/2015£1,842.64£835.74£1,006.90
25/01/2016£1,842.64£847.21£995.43
25/02/2016£1,842.64£858.84£983.80
25/03/2016£1,842.64£870.62£972.02
25/04/2016£1,842.64£882.57£960.07
25/05/2016£1,842.64£894.69£947.95
25/06/2016£1,842.64£906.97£935.67
25/07/2016£1,842.64£919.42£923.22
25/08/2016£1,842.64£932.03£910.61
25/09/2016£1,842.64£944.83£897.81
25/10/2016£1,842.64£957.79£884.85
25/11/2016£1,842.64£970.94£871.70
25/12/2016£1,842.64£984.27£858.37
25/01/2017£1,842.64£997.78£844.86
25/02/2017£1,842.64£1,011.47£831.17
25/03/2017£1,842.64£1,025.35£817.29
25/04/2017£1,842.64£1,039.42£803.22
25/05/2017£1,842.64£1,053.69£788.95
25/06/2017£1,842.64£1,068.15£774.49
25/07/2017£1,842.64£1,082.81£759.83
25/08/2017£1,842.64£1,097.67£744.97
25/09/2017£53,883.60£53,153.22£730.38
Total:£74,973.16£21,291.16