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Nedbank Starting Up For Businesses

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Small Business

Services
Startup Guide

Contents
1 1 2 4 Are you planning to start your own business? Sculpt your business dreams into a tangible business entity Talk to Nedbank about getting your new business started! Share your vision with us

3000046 (06/07)

Ltd Reg No 1951/000009/06

Nedbank is an authorised financial services provider. This information replaces any information in previously distributed brochures that may still be in circulation.

Are you planning to start your own 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 into a 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 getting your 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.

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 us


Discuss 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 Pretoria Cape Town Durban 011 630 2134 012 326 4711 021 412 3463 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.

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).

Gids vir Beginnerbesiggede

heidsdienste

Kleinbesig-

Inhoud
1 1 2 4 Beplan jy om jou eie besigheid te begin? Omvorm jou sakedrome in 'n tasbare besigheidsentiteit Gesels met Nedbank oor die begin van jou nuwe besigheid! Deel jou visie met ons

3000046 (06/07)

Bpk Reg No 1951/000009/06

Nedbank is 'n gemagtigde finansile diensverskaffer. Di inligting vervang enige inligting in brosjures wat voorheen versprei is en steeds in omloop kan wees.

Beplan jy om jou eie besigheid te 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 'n tasbare 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.

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 die begin 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 kontantvloeibuigsaamheid deur aan jou toegang te gee tot fondse voordat jou debiteure dit in jou rekening betaal het.

Spesialisfranchiseadvies en -bystand. Strategiese entrepreneursvennootskappe bevoordeel jou direk deurdat jy besigheid- sowel as finansile steun geniet. Nedbank het strategiese vennootskappe tot stand gebring met: Business Partners & Sizanani Advisory Services, wat 'n wye reeks praktiese besigheidsdienste, soos mentorskap en gespesialiseerde besigheidsbystand, aan die entrepreneur bied; Khula Enterprise Finance Bpk, wat onderworpe aan sekere voorwaardes aan die bank vrywaring vir tot 80% van die lening bied en ondersteuning verskaf aan die beginnerentrepreneur wat nie oor die nodige aanvullende sekuriteit vir 'n banklening beskik nie.

Deel jou visie met ons


Bespreek jou aspirasies met die spesialiste wat jou passie vir besigheid deel, deur jou tak te besoek en met 'n bankier of Kleinbesigheidsdienste-bestuurder te gesels of ons Spesialiseenheid by een van die volgende nommers te skakel: Johannesburg Pretoria Kaapstad Durban 011 630 2134 012 326 4711 021 412 3463 031 300 5818

Jy kan ook nog nuttige inligting in ons Nedbank Kleinbesigheidsdienste-brosjure wat by jou tak beskikbaar is, of op ons webwerf by www.nedbank.co.za kry.
Ons onderskryf die Bankpraktykkode van Die Bankvereniging SuidAfrika 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).

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