National Bank of Canada Banque Nationale du Canada

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National Bank of Canada Banque Nationale du
Canada
National Bank of Canada
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Some members of our team

• Jean Lafleur
• Senior Account Manager
• Mara Ashraf
• Development Manager International Services
• Ghassan Deko
• Account Manager
• Tony Loffreda
• Senior Manager Commercial Banking

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• Mission
• Find innovative solutions for small and medium
  businesses
• Create a long term relationship based on
  partnership with our clients
• Geographic exposure
• Types of industries
• Main financing services

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Criterias for financing

• Financial partner
• Distinction between traditional lending and
  venture capital
• Canadian bankers are defined as going concern and
  equity lenders vs American bankers are asset
  based lenders.

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File Analysis (4M)

• Management
• Market
• Money
• Materials

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Credit Analysis (5C)

• Character
• Credit
• Cash
• Capacity
• Collateral

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The business plan

• 3 parts
• Table of contents
• Executive summary
• Business plan

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Executive summary

• Definition A 6 or 7 page recap of the whole
• business plan
• What to include
• Description of the opportunity
• How your company will tackle this opportunity
• Financial overview

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Business plan

• Company history and description
• The challenge
• The opportunity
• The strategy
• Financials

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Natexport Receivables Purchase (or Factoring)
Facilities

• Some Characteristics
• Facility to complement operating line
• Liquidity and risk management approach
• Financing up to 100
• Local and international receivables
• Terms up to 1 year
• With or without insurance.
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National Bank of Canada
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Receivables Purchase (or Factoring)Facilities

• Some Advantages
• Improved cash flow
• Transfer of payment risk
• Increased leverage
• Improved financial ratios
• Potential to increase sales by offerring
  advantageous payment terms to buyer.

National Bank of Canada
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F.X. Risk Management

• Protect Profits
• Portfolio approach
• Variety of instruments available
• Basics
• Do nothing (or transact SPOT)
• Forward contracts
• Options.

National Bank of Canada
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SPOT

• SPOT
• Advantage Flexibility to participate in a
  favourable currency fluctuation
• Disadvantage no protection against an
  unfavourable currency fluctuation.

National Bank of Canada