Small BusinessServices

Startup Guide

Contents

1 Are you planning to start your own business?

1 Sculpt your business dreams into atangible business entity

2 Talk to Nedbank about getting your newbusiness started!

4 Share your vision with us

Nedbank is an authorised financial services provider.

Ltd Reg No 1951/000009/0630

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This information replaces any information in previously distributedbrochures that may still be in circulation.

1Are you planning to start yourown business?

Then start by planning your success with us. Setting

up your own business can be as daunting as it is

thrilling, which is why Nedbank Small Business

Services offers you far more than financial services

we're proud to partner you with practical advice

and solutions on almost every aspect of starting up

your business.

Sculpt your business dreams intoa tangible business entity

Before approaching Nedbank for the finance that

will help you realise your business dreams, it's

essential to know exactly what your requirements

are. During the initial planning phase you may find

it helpful to ask yourself a few critical questions:

What type of business/legal entity would suite me

best? When deciding the form of the business you'd

prefer to register, eg a close corporation, partnership

or company, you need to have a clear understanding

of the benefits and drawbacks of each, the tax

implications and so on. The Nedbank Small

Business Management Guide on our website

www.nedbank.co.za will assist you in this regard.

Do I have a comprehensive business plan? Writing

a business plan is an important exercise that forces

you to consider the opportunities and challenges

of your prospective business venture, giving you

realistic goals to work towards.

What are my financial needs? Your business plan

should give you a good indication of your financial

requirements with regard to startup capital, running

costs, etc. Only once you fully appreciate the exact

scope of your financial requirements can you start

planning on how you'll acquire the necessary funds

to start and run your business.

Do I have the funds I require? Keep in mind that,

depending on the nature of the new business

venture, you may be required to contribute between

10% and 25% of the startup money from your

own funds.

Talk to Nedbank about gettingyour new business started!

Whether you require finance to start up your business

or flexible transactional facilities that make it easy

to manage the day-to-day running of your business,

you can rely on Nedbank's range of products and

business services:

A small-business current account is perfect for all

your transactional needs and includes access to

Nedbank's convenient electronic banking channels.

An overdraft or term loan gives you access to

additional cash.

Our asset-based finance caters for both fixed and

moveable assets.

Debtor finance increases your cash flow flexibility

by granting you access to funds before your debtors

have paid them into your account.

Specialist franchise advice and assistance.

2

Strategic entrepreneurial partnerships benefit

you directly by offering you both business and

financial support. Nedbank has formed strategic

partnerships with:

- Business Partners & Sizanani Advisory Services,

who offers a wide range of practical business

services, such as mentoring and specialised

business assistance, to the entrepreneur;

- Khula Enterprise Finance Ltd, who subject to

certain conditions offers indemnity to the bank

for up to 80% of the loan, assisting the startup

entrepreneur who does not have the required

collateral to support a bank loan.

Share your vision with usDiscuss your aspirations with the specialists who

share your passion for business by visiting your

branch and chatting to a banker or Small Business

Services Manager or calling our Specialist Unit on

one of the following numbers:

Johannesburg 011 630 2134

Pretoria 012 326 4711

Cape Town 021 412 3463

Durban 031 300 5818

You can also find further useful information in

our Nedbank Small Business Services brochure

available at your branch or on our website at

www.nedbank.co.za.

3

We subscribe to the Code of Banking Practice of The Banking

Association South Africa and, for unresolved disputes, support

resolution through the Ombudsman for Banking Services. We are

an authorised financial services provider. We are a registered credit

provider in terms of the National Credit Act

(NCR Reg No NCRCP16).

Kleinbesig-heidsdienste

Gids vir Beginnerbesiggede

Inhoud

1 Beplan jy om jou eie besigheid te begin?

1 Omvorm jou sakedrome in 'ntasbare besigheidsentiteit

2 Gesels met Nedbank oor die begin van jounuwe besigheid!

4 Deel jou visie met ons

Nedbank is 'n gemagtigde finansile diensverskaffer.

Bpk Reg No 1951/000009/0630

00

04

6 (

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/07

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Di inligting vervang enige inligting in brosjures wat voorheenversprei is en steeds in omloop kan wees.

1Beplan jy om jou eie besigheidte begin?

Begin dan deur jou sukses by ons te beplan. Om jou

eie besigheid te begin kan net so skrikwekkend as

opwindend wees, en daarom bied Nedbank

Kleinbesigheidsdienste jou baie meer as net finansile

dienste ons is trots om jou vennoot te wees met

praktiese advies en oplossings vir byna elke aspek

wat van belang is wanneer jy jou besigheid begin.

Omvorm jou sakedrome in 'ntasbare besigheidsentiteit

Voordat jy Nedbank nader vir die finansiering

wat jou sal help om jou sakedrome te verwesenlik,

is dit noodsaaklik om te weet presies wat jou

behoeftes is. In die aanvanklike beplanningsfase is

dit dalk nuttig om jou 'n paar deurslaggewende vrae

af te vra:

Watter soort besigheid/regsentiteit sal my die beste

pas? Wanneer jy besluit oor die vorm van die

besigheid wat jy wil registreer, byvoorbeeld 'n

beslote korporasie, vennootskap of maatskappy,

moet jy 'n deeglike begrip van die voor- en nadele

van elk, die belastingimplikasies en dies meer h.

Die Nedbank-kleinbesigheidbestuursgids op ons

webwerf sal jou in hierdie verband help.

Het ek 'n omvattende sakeplan? Die skryf van 'n

sakeplan is belangrik en dwing jou om die

geleenthede en uitdagings van jou beoogde

besigheidsonderneming te oorweeg en gee aan

jou realistiese doelwitte om na te streef.

2 Wat is my finansile behoeftes? Jou sakeplan

behoort aan jou 'n goeie aanduiding van jou

finansile behoeftes met betrekking tot

aanvangskapitaal, bedryfskoste, ens te gee.

Eers nadat jy 'n volledige begrip van jou finansile

behoeftes het, kan jy die verkryging van die nodige

fondse om die besigheid te begin en te bedryf

begin beplan.

Het ek die fondse wat ek nodig het? Hou in

gedagte dat, na gelang van die aard van die nuwe

sakeonderneming, daar van jou verlang kan word

om tussen 10% en 25% van die aanvangsgelde uit

jou eie fondse by te dra.

Gesels met Nedbank oor diebegin van jou nuwe besigheid!

Hetsy jy finansies verlang om jou besigheid te begin

of buigsame transaksiefasiliteite wat dit maklik maak

om die dag-tot-dag-bedryf van jou besigheid te

behartig, jy kan op Nedbank se reeks produkte en

besigheidsdienste staatmaak:

'n Kleinbesigheid lopende rekening is volmaak vir

al jou transaksiebehoeftes en sluit toegang tot

Nedbank se gerieflike elektroniese bankkanale in.

'n Oortrekking of termynlening gee aan jou toegang

tot bykomende kontant.

Ons bategebaseerde finansies maak vir vaste sowel

as roerende bates voorsiening.

Debiteurefinansiering vergroot jou kontantvloei-

buigsaamheid deur aan jou toegang te gee tot

fondse voordat jou debiteure dit in jou rekening

betaal het.

3 Spesialisfranchiseadvies en -bystand.

Strategiese entrepreneursvennootskappebevoordeel jou direk deurdat jy besigheid- sowelas finansile steun geniet. Nedbank het strategiesevennootskappe tot stand gebring met:

- Business Partners & Sizanani Advisory Services,wat 'n wye reeks praktiese besigheidsdienste,soos mentorskap en gespesialiseerde besigheids-bystand, aan die entrepreneur bied;

- Khula Enterprise Finance Bpk, wat onderworpeaan sekere voorwaardes aan die bank vrywaringvir tot 80% van die lening bied en ondersteuningverskaf aan die beginnerentrepreneur wat nie oor die nodige aanvullende sekuriteit vir 'n banklening beskik nie.

Deel jou visie met onsBespreek jou aspirasies met die spesialiste wat joupassie vir besigheid deel, deur jou tak te besoek enmet 'n bankier of Kleinbesigheidsdienste-bestuurderte gesels of ons Spesialiseenheid by een van dievolgende nommers te skakel:

Johannesburg 011 630 2134

Pretoria 012 326 4711

Kaapstad 021 412 3463

Durban 031 300 5818

Jy kan ook nog nuttige inligting in ons NedbankKleinbesigheidsdienste-brosjure wat by jou takbeskikbaar is, of op ons webwerf bywww.nedbank.co.za kry.

Ons onderskryf die Bankpraktykkode van Die Bankvereniging Suid-

Afrika en, in die geval van onbeslegte geskille, steun ons beslegting

deur die Ombudsman vir Bankdienste. Ons is 'n gemagtigde

finansile diensverskaffer. Ons is 'n geregistreerde

kredietverskaffer ingevolge die Nasionale Kredietwet

(NKR Reg No NCRCP16).