Startup in Lancashire October 2018 by The Samuel James Group

YO U R THIRD QUARTER 2018 LANCASHIRE - ISSUE FOUR

Your New Business Guide

Sponsored by:

This publication is produced by The Samuel James Group Ltd, Unit 6/7 Eastway Business Village. Oliver’s Palce,, Fulwood, Preston PR2 9WT. Reproduction of the contents of this magazine in any form is not permitted, without the permission of the Publisher. Whilst every care is taken to ensure accuracy, the Publisher cannot accept responsibility for errors and/or omissions in advertisements, photographs or illustrations. The opinions and advice in this magazine do not necessarily express the view of the company.

Published by The Samuel James Group

YOUR STARTUP

Why everyone needs a cost-effective Virtual Data Protection (vDPO) Officer Adoption of combined cyber protection measures can greatly reduce the cyber risks facing a business.

onsequently, Xcina, the UK’s leading digital resilience company, has developed a package of options for its clients that will deliver increased digital resilience, achieve GDPR compliance, protect their sensitive data and reduce their vulnerability to cyber threats. The packages, based on annual or monthly subscriptions, are based on the provision of a virtual Data Protection Officer (vDPO) service, a major requirement of the General Data Protection Regulations (GDPR). The vDPO will ensure that clients meet their legal requirements to provide a GDPR compliant business in a cost-effective manner. The vDPO service is supported by Xcina’s highlyqualified experts, who can provide the direct and indirect support or advice as demanded by GDPR,

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and who will be your link to the UK Information Commissioner’s Office (ICO), should it be required. The Solution Establishing a DPO within a business requires considerable investment in training and, for the people involved, it can mean a lot of time spent away from primary roles and a cumbersome burden of responsibility. Similarly, due to a skills shortage in this area within the UK, employment of personnel with the appropriate skills, knowledge and experience comes at a premium. However, because it is perfectly acceptable to share the services of a competent DPO between business. Xcina has developed an offering that enables small businesses to outsource their Data Protection Officer role, to a virtual DPO (vDPO) service, and it offers all the relevant regulatory capabilities and governance role of a DPO, at a fraction of the price of establish internal capabilities.

Why you need to be digital resilient Cyber-security incidents and attacks are on the rise, so you need to have the best resilience policies and measures in place to protect your business. That’s why cyber insurance protection is the fastest growing area of the insurance market. Xcina’s services to ensure SMEs’ become digital resilient: • The vDPO Service The vDPO package is designed as a stand-alone service for those businesses that already have robust digital resilience certification and who have trained their staff in cyber and GDPR awareness. It enables a business to bring in first-class DPO expertise in a cost and time effective manner without the expense of training a member of staff or having the distraction of those duties. The vDPO is fully compliant with the legal requirements in the GDPR. The vDPO service provides eight hours of dedicated access for each client to their nominated vDPO each year, which should be enough to cover most regulatory duties and eventualities. However, if further support is required outside of the annual allowance, this can be provided at an extra charge. It must be noted, however, that neither a vDPO nor a full-time DPO meets the regulatory requirements without the other protections and measures in place. • Documents & Policies This package includes the supply of a complete set of effective and practical digital resilience policies and documentation, tailored to the specific needs of a customer, particularly useful for businesses with several branches or different data handling systems. A suite of strong policy documents can enable the exercise of strong governance of any digital enterprise and are key components of the GDPR compliance. Full adoption of the processes and policies by the staff members is an absolute requirement, and Xcina is developing a series of simple on-line videos to help staff to understand and be able to apply the principles effectively. • Staff Training Although establishing good resilience and cyberresistance of your business systems and processes is essential, your safeguards can be rendered completely useless if staff are not trained in the essentials of safe data handling. Xcina has three training programmes that will ensure that all staff with responsibilities for handling data are fully aware of the basics of good practice and the dangers in the digital environment. • Cyber Awareness: an on-line assessed module to give staff a basic understanding of what they can do to reduce the risk of cyber-attacks.

• GDPR Awareness: another online and assessed module that will help staff to understand the legal requirements for the safe and secure handling of electronic data, with which they are required to comply. • GDPR Practitioner Training: for at least one person in each branch or business. This will give them the knowledge to act as a local expert in GDPR matters, to support the rest of the staff and to help the data controller remain within the regulations. Combating online threats Cyber Essentials is a scheme which is supported by industry and backed by the Government. It’s designed to help organisations to protect themselves from many commonly-seen online threats to security and to make conducting business over the internet safer within the UK. Xcina is a regulated and certified provider of these services: • Cyber Essentials Certification: an online questionnaire and assessment, providing the opportunity to achieve Cyber Essentials certification, which our experts will verify and submit for approval. For a small fee, easy to follow templates can be supplied to aid with the process. • Assisted Cyber Essentials Certification: Our experts will be available online or by telephone to assist in the completion of the Cyber Essentials online assessment and certification process. This allows for a reduced workload to the business, along with ensuring success of the certification process. • Cyber Essentials Plus; Following on from the Cyber Essentials online self-assessment, this further step proves the robustness of a customer’s system via an on-site independent audit to conduct internal and external testing of digital resilience.

Kevin Porter xcina

www.xcina.co.uk kevin.porter@xcina.co.uk Tel: 07785 921072

YOUR STARTUP

Surround Yourself With Success

hile often used in the personal context, it is equally as applicable for business.”

“Humans are social creatures, we crave

interaction with others. It keeps us sane, helps us form new ideas or reaffirms existing ones. If others are a negative influence or we’re not around people at all, it affects our mood, self-esteem and in the work context can negatively impact our productivity and output.

“A few years ago before I started working at Cotton Court, I left a directorship in a Manchester agency. I decided to break away and become a lonewolf, setting up a consultancy and work primarily from home. The first few months were amazing, drawing on military discipline, to form the perfect work life balance. However a few months down the line I realised it wasn’t all it was cracked up to be.

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“I wasn’t seeing people for sometimes five days at a time, the lines between business and personal life became blurred, and my productivity dipped. It was a vicious circle that affected my bottom line as well as my mood. I couldn’t wait to build the team and get back to working alongside others. “When I was asked to come back to Preston to take on a role at Cotton Court Business Centre, I was given the option of where to work. I insisted on working in one of our shared office spaces, keeping a desk on the second floor alongside fifteen other businesses. I’ve loved it that much, I’ve moved my business (and my life!) back over to Preston permanently. “Ten months on from starting work on our second floor desk space, there are some crucial lessons I’ve learned that I’d like to pass on to you.”

Opportunity Face-to-face interaction and relationship building is still the best way to secure business. People buy from people, and working amongst other professionals from different industries is the perfect way to network. Prove your authority and value, and if they don’t have a use for your services, they may know someone who does. I’ve secured some great work and nearly doubled my revenue since starting here. Positive Mindset Getting up in the morning and knowing you’re coming into work to see a group of great people is a brilliant feeling. We have a laugh a day, and that positive mindset of coming into work has increased my productivity and output, as well as my mood.

Productivity Being around positive people, all successful in their own field and with their own experiences has been amazing. Not only has it been insightful and given me different perspectives, it has dramatically increased my productivity and quality of work. Finally…. If we are a product of the people we spend most time with, and we spend the lion’s share of the day at work; why would you want to work alone? I’ve learned that by surrounding myself with a group of positive, professional and successful people, my own success has multiplied.

The famous American entrepreneur Jim Rohn famously said “You are the average of the five people you spend the most time with”.

Jack Barron Cotton Court Business Centre Jack@CottonCourt.co.uk Tel: 01772 507 767

Surround Yourself With Success Professional desk space, business address, call answering & admin services for startups Try it for free visit www.surroundyourself.co.uk or call 01772 507 767

Cotton Court Business Centre, Preston, PR1 3BY www.cottoncourt.co.uk

YOUR STARTUP

New To Business or scared of Accountants? The McDade Roberts Launch Pad service is designed for you.

tarting a business is a huge and exciting step, full of lots of learning curves. One of the most important factors you need to get to grips with quickly, is numbers. Getting an accountant on your side from the beginning will take away a lot of worries and concerns for you and let you focus on growing your new business. That is why you need to speak to local Preston firm, McDade Roberts. McDade Roberts look after over 1000 small to medium sized businesses and over 1400

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individuals. They employ 32 staff across 4 offices and helped over 100 new businesses set up last year. Services that McDade Roberts offers include Audit and Accounts Preparation, Tax, Company Secretarial, Payroll, Auto Enrolment, VAT and Bookkeeping Advice as well as Business Development and Growth, Exit Strategy Planning, Wills and Probate guidance. They also have a bespoke Launch Pad service designed purely for new start-ups.

New to Business or Scared of Accountants? The McDade Roberts Launch Pad service is designed for you. McDade Roberts are very approachable accountants. We

It is clear, simple and good value so you can concentrate

have helped thousands of start-up businesses around

on the important issue of growing your business.

Lancashire to launch and grow.

Our services cater for individuals, partnerships and

95% of our clients rate the friendliness, caring, speed,

incorporated businesses. We will care for your accounting

clarity and trust they hold with us above average so we

and taxation needs to leave you peace of mind that your

are far from scary, stuffy accountants. (2014 Customer

financial affairs are managed and up to date.

Satisfaction Survey) McDade Roberts are proud to offer an accountancy service specifically designed for new businesses.

Our Services Include: • HMRC Registration

• Accounts Preparation

• Company Formation

• Enquiry Insurance

• VAT Registration

• PAYE Scheme Set Up • Registered Office Service

Scared of the bill? When you set up in business, you have enough to do without being worried about the accountancy fee at the

• Bookkeeping and Advice • Tax Return Preparation • Fixed Pricing

end of the year. As part of our Launch Pad service we offer a clear fixed pricing structure where costs are agreed up front and valid for the first two years.

New Business Special Offer If you are in the first 2 years of trading and work in the Lancashire area, you can claim a free “MR Launch Pad” consultation with a qualified new business accountant specialist worth over £100. You will also leave with a copy of our new book, 57 Ways To Grow Your Business worth £14.99. If you know any other business person who may like to attend, feel free to pass this to them too. This offer is for a limited time so to claim, simply call the below number and say you wish to arrange your Launch Pad session and we will sort out the rest.

t: 01772 717110 e: office@mcdaderoberts.co.uk w: www.mcdaderoberts.co.uk

YOUR STARTUP

The need for a clear, good quality website In an increasingly digital world it can be easy for new businesses to become overwhelmed.

blog, an engaging Twitter feed, witty email newsletters, catchy hashtags... there’s a never-ending list of digital ‘must haves’, constantly being added to and then torn apart as the next trend emerges.

Throughout the development of social media, one thing has remained constant, the need for a clear, good quality website. You can craft an incredible Instagram feed and tweet hilarious content at all the right times but ultimately your customers need a place to go to find out the ‘how’, ‘why’ and ‘where’ of your product or service. Your website is your shop window, so it should

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be carefully curated to express the essence of your business and just like a physical storefront would. Social media platforms all serve different purposes and attract different audiences but websites bypass all of these differences, your website is the first place people will go to have their questions answered and the place where many will form their first impressions. An effective website is functional, easy to use and clearly communicates your key messages; who you are, what you do, your desired call to action and how you can be contacted. A quick internet search will reveal many aggressively marketed ways to get a low-cost website, often

packed with unexplained buzz words and confusing jargon. Whilst there is no need for your start-up’s website to cost more than the average car, a cheap website could cost you in more ways than one. If we set aside the obvious downfalls such as poorly designed and aesthetically displeasing websites, there are serious pitfalls to scrimping on your online presence. The principles of website development go beyond simply pleasing your customer or outshining competitors; a website done ‘on the cheap’ can prove disastrous for your SEO. For example, website development companies that cut costs are often cutting back on security, putting not only your website but the customers who use it at risk of viruses and failing to adequately protect their data. Then, there is the problem of ineffective CMS platforms. There are inexperienced website developers out there charging for cookiecutter websites that are thrown together on potentially unreliable systems. As you grow and develop, you will need to make changes to your website, which can

be difficult or even impossible on these platforms. Having your website designed and built professionally on an industry leading platform such as WordPress gives you peace of mind that your website can be easily managed and regularly maintained with the appropriate training and knowledge. All of these issues can have a huge impact on your website’s SEO. As search engines have advanced, they have stopped simply ticking boxes by scanning for repeated keywords. Now, digital giants like Google are looking for a website that is easy to use, rich in keywords yet easy to read, regularly updated and equipped with effective imagery and video. Sound familiar? Google wants what your customer wants. So, the short-term benefits of a cheap website are far outweighed by the lasting impact that a well designed and Sam Hutchinson samantha@marvelatevexpertly built website will have on your erything.co.uk businesses growth. When you invest in 01772 457621 www.marvelateverything. a good website, you are investing in the co.uk future of your business.

We provide a full in-house website design service, giving you a faster & more efficient site built using the latest web technologies…

Social Media Management

Responsive Web Design

Email Marketing

SEO & Analytics

Already have a site? Scan the QR code and our web experts will audit your website for FREE!

YOUR STARTUP

START UP BUSINESS MEMBERSHIP

The Start Up membership scheme from the NWL Chamber of Commerce offers businesses trading less than 24 months access to a full range of business support, growth and protection services.

01772 653000 / 01253 347063 info@lancschamber.co.uk WWW.LANCSCHAMBER.CO.UK

YOUR STARTUP

Starting your own business

tarting your own business can be the most liberating experience, but it can be equally as daunting.

But hold this thought, every single successful business operating today, was at one stage, a start-up, an idea, a ‘what if ’. What you will find when starting a new enterprise is that there is a great business community in the North & Western Lancashire area, people with serious expertise, many of who have been in your shoes and are ready to offer you advice, support and guidance. There’s a lot to consider when becoming your own boss, legal structure, ensuring you’re tax complaint, HR if you’re employing people but all these

elements are easily negotiated, with expert help. The NWL Chamber of Commerce has been representing, supporting and promoting businesses in the area since 1916; it continues to grow and actively works with 1,600 companies, all passionate about supporting each other and helping Lancashire to prosper. Our Start Up support package is the perfect solution to guide you through your first two-years of trading, and for £99.00 + VAT per year; it will be one of the best investments you’ll make. The Chamber is well connected and best placed to actively help you on your new business journey, to discuss your business idea or explore how our support could be invaluable to you, give us a call.

Babs Murphy 01772 653000 9-10 Eastway Business Village Oliver’s Place Preston PR2 9WT www.lancschamberco.uk

YOUR STARTUP

MG ZS

If you want the great driving position and comfort of a Family Compact-SUV, but would prefer the pricetag of a Supermini, then the MG ZS is the car for you.

ith the range starting from just £12,495 on the road, and the choice of either a 1.5 litre petrol with manual gearbox or Turbocharged 1.0 litre petrol with 6-speed Automatic, there is an option to suit all needs.

Designed at MG’s European Technical Centre in Longbridge, Birmingham by 275 British workers for the English market, the ZS represents a new dawn for the

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MG brand, a truly world-class crossover with the style and capability to match the best of the competition. The ZS is manufactured by the SAIC Motor Corporation, one of the biggest car manufacturers in the world, with an output of over 4.5 million vehicles a year, also making cars for Volvo, Volkswagen and GM. The ZS is available with an 8” touch screen navigation unit, featuring Apple CarPlay integration, which allows you to get all the best bits of your iPhone on your car controls whilst you drive safely. Music, calls,

messages, you can manage them all and more through the touch screen display. A colour reversing camera, together with ultrasonic sensors, makes it a cinch to park in town; whilst cruise control makes it relaxing to drive on the motorway. You can even change the steering mode to suit your taste, “Urban” improves the manoeuvrability at lower speeds to assist with parking, “Normal” gives a more connected steering character which allows you to feel the road, and “Dynamic” gives a slightly more weighted and sporty feel for drivers who enjoy more dampening at higher speeds. Being eco-friendly is always a concern when new cars are developed, to keep the planet healthy, and the MG ZS provides a low emissions output starting from 110g/km and a impressively great MPG reaching as high as 58.9 MPG, combining this with the Stop/Start Intelligent Fuel Saving System which allows you to get more miles for your pound. To keep your vehicle as efficiently as possible, the ZS comes integrated with a TPMS system which allows you to view how your tyres air performance is doing, therefore providing you with a more economical drive on your journeys. Safety is always a high priority with

MG vehicles, and the MG ZS is packed with features to keep you and your family safe. The vehicle comes with a combination of front/side airbags, seat belt reminders, automatic door latch ABS breaks and a fantastic Active Speed Limit system to monitor and control your speed, keeping you in full control. MG is so confident in the ZS that it provides a full 7 Year / 80,000 mile parts and labour warranty, so it won’t let you down. Chorley Group, a name synonymous with great customer service in the North West for its Nissan, Kia, and Hyundai franchises, took on the MG brand in 2017. Their new MG Showroom in Chorley on Ackhurst Road is ably staffed by Patrick Holmes (who has over 25 years’ service with Chorley Group) and Jean Roscoe. Together, they have amassed over 100 Five-Star reviews from happy MG customers, and are ready to help you discover if the MG ZS could be your next car. Call Patrick and Jean on 01257 Patrick Holmes Chorley Group MG 240614 to book a one hour test drive in Ackhurst Road the new ZS. We’re confident that you Chorley will be impressed by both the quality, and Lancashire PR7 1NN Tel: 01257 240614 the price.

YOUR STARTUP

What is the point of networking? Does the word just being spoken fill you with utter dread? Corporate, structured meetings where you feel an immense anxiety on having to stand up and speak to people. It doesn’t have to be like that.

etworking offers great opportunities to expand your current reach and visibility. Connecting with other individuals that have access to even more people that you may not have been able to reach by yourself.

There are many different types of networks out there for businesses and depending on what you need and want, will determine which one will be best for you. Some are very structured with lots of pressure, some 16

YOUR STARTUP

are more relaxed and are more of a support group, where you can allow yourself to relax. Research before you attend to see which fits your style and personality. Have a reason for attending networking events. You may not realise but networking can cost you a considerable amount of time and money, time that could be spent being productive in your business. Attending the wrong events will lead to lost time and money which you will not be able to recover. Do you have an idea of who you would like to connect with. What industries can help your business

thrive, who has your target clients already that you can work collaboratively with? Be open to working collaboratively. You can work together with likeminded businesses to offer more services combined than you can do individually. Creating a benefit for you both and both sets of customers. Do NOT go to a networking event to sell to the people in the room. We are all selling although there are ways to do this more effectively. Would you ask someone to marry you on a first date? Well some of you may, but it is generally not the norm, as you have to ‘build a relationship’ first. Networking events are full of business owners who have issues within their business that they need help to solve, just like you. You will be surprised at how many would welcome your help and support. If you meet someone that you can genuinely help, then it feels great to help them and this is the start of building that relationship. Ask yourself, how can I help this person? What can you offer them to make them feel valued? A piece of advice, point them in the right direction of something

that they need, pass the contact details of one of your contacts that may be able to help them. When someone mentions a contact that you want to get hold of, don’t just ask for their number, ask your new friend if they could introduce you. You are far more likely to build a relationship and win business if you have come in as a referral. Business Owners Network is a support & development group of likeminded business owners who really understand each other. We all want to grow and succeed by helping each other by supporting those who need it most. Hardman McNeal exists because we believe that training & support for small businesses should be cost effective and be available no matter your financial Hardman McNeal Jenny & Cate situation or your background. Working www.hardman-mcneal.co.uk info@hardman-mcneal.co.uk with those with anxiety, PTSD & ex 07807852292 military.

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Energise your Start Up with the Chamber Low Carbon Business Support Programme The Chamber Low Carbon programme has been developed to enable Lancashire businesses to play their part in the UKâ&#x20AC;&#x2122;s Clean Growth Strategy, while ensuring an affordable energy supply for businesses and consumers.

hamber Low Carbon is a Lancashire wide partnership involving East Lancashire Chamber of Commerce and Industry, North & Western Lancashire Chamber of Commerce, Businesswise Solutions Ltd and BOOST (the Growth Hub for Lancashire). Part funded by the European Regional Development Fund, the programme is committed to the provision of a suite of FREE services aimed to help local SMEâ&#x20AC;&#x2122;s and Start Ups improve energy and environmental efficiencies, introduce on-site renewable energy generation, save money and reduce their carbon footprint, as well as fostering the development and commercialisation of new low carbon technologies. Every business signing up to the project is entitled to FREE support in environmental and energy saving good practice, delivered via a suite of masterclasses and 18

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1-2-1 bespoke on-site support from Chamber Low Carbon and its business partners. Ranging from basic energy reviews and environmental audits, to payback assessments on low carbon alternative technologies and the installation of renewable energy production. Support will also be provided to access financing for low carbon technology adoption. Chamber Low Carbon will also assist local businesses who are developing new low carbon technologies, proactively supporting them in bringing their technologies to market. Working to identify demonstrator and trials sites, Lancashire manufacturing partners and initial customers. The aim of the programme is to stimulate a culture of low carbon technology adoption and renewable energy generation in our local business community, whilst fostering a regionally strategic industry sector, boosting local business productivity, and moving Lancashire forward as a low carbon economy.

INTERNATIONAL BUSINESS

CHAMBER EVENTS

CIPS & TRAINING

Services to help businesses tap in to new markets, increase sales and reduce costs.

We arrange events to enable businesses to share ideas and do business.

Comprehensive training and development solutions geared to the demands of business.

MEMBERSHIP SERVICES

POLICY & LOBBYING

CREATIVE SERVICES

Make the most of being a Chamber Member and access the many benefits available.

East Lancashire Chamber is the voice of business representing the views of Members.

The Chamber’s creative team offer print/web design and photographic services.

CHAMBER LOW CARBON

BUSINESS SUPPORT

BUSINESS LIFE

A FREE suite of services aimed at helping businesses improve energy and the environment.

The Chamber has a strong manufacturing base and continues to develop business support programmes.

Business Life is our quarterly magazine. It’s packed with business news, regular features and major interviews.

RED ROSE COURT

T: +44 (0)1254 356400

CLAYTON BUSINESS PARK

F: +44 (0)1254 388900

ACCRINGTON BB5 5JR

info@chamberelancs.co.uk

UNITED KINGDOM

www.chamberelancs.co.uk

elancschamber

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YOUR STARTUP

Why promotional gifts should be part of your business start-up One of the great problems facing a new small business is getting the attention and trust of an already busy market place.

ou may be an expert in your field, as well as being keen and eager to help everyone you meet, but sadly not everyone will have a need to buy at the time when you meet them. Naturally, many may also have a lack of trust in an unknown, new, start-up. A lot of your time, when first self-employed, is spent sowing seeds for future

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trading as it is difficult for any organisation to take off straightÂ away. It is important therefore to make both a good and memorable first impression and leave something with potential buyers that can hang around until a change in circumstances means that they have a need that you can fulfil. For example, if you are selling insurance, a busy business person is not going to want to go into details until much nearer a renewal date. Try carrying a pocket

full of coasters, printed as business cards, and hand them out as you introduce yourself to new contacts. Be honest, enthusiastic and listen to what they do carefully. Listen out for one area in which you may be able to help in future, ask them to take the coaster, pop it on their desk (or place it for them if you are there) and ask if they would be kind enough to consider you next time they want a quote for that particular service. Also, don’t be afraid to ask if they know anyone else who buys the same product or service, and ask for an introduction to give them a coaster too. As well as having a good chance of being around when someone needs you, a coaster also gives a repeated daily reminder of your new brand, often right next to a computer screen where they can search for even more details. If your prime customers are more likely to be out and about, rather than at a desk, pop your details onto a pen or key ring that can stay in their pockets. If you want your message to be kept by householders, try using fridge magnets as your business cards. Don’t be afraid of telling everyone your start-up story, as human nature

will make them want to help, if you keep it concise, useful and interesting. Psychology tells us that emotions help to make memories in peoples’ brains, so making a happy and interesting first engagement with a client is the very best way of making them remember you. An experienced gift distributor can help you both with the message and an appropriate product to fit your budget, to make that very important first impression. Whenever you use a product as a business card, you are standing out from your competitors by being different, you are leaving a lasting reminder of your brand and you have greatly increased the chances of getting a call, and recommendations, in the future. Always make sure you carry your products with you, working, networking, socialising, as you never know when a conversation may lead to a chance to make that first impression. Good luck with your new Stephen Ward venture. BusinessGiftUK Stephen Ward is Managing Director www.businessgiftuk.com steve@ad-options.co.uk of BusinessGiftUK.com and is an 01772 429111 Accredited Member of the BPMA.

Want your new contacts to remember you?

Talk to our experienced team or visit our website to see our range of promotional gifts that includes; keyrings, coasters, mouse mats, drinks bottles, stationery and much more.

01772 429111 31 Momentum Place, Nook Lane, Bamber Bridge, Lancashire, PR5 6EF

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Living your company values Every company has values and morals they live and work by. These values help cement a strong workforce, and a trustworthy brand name and culture that truly represents what the company stands for. Used effectively, they can connect the teams and support a community which all have a shared goal and outlook.

ire based on your values Always aim to attract like-minded people to your company by being honest about your values from the beginning. You can do so by including them within the hiring stage by highlighting the brand culture, morals and community on the application forms. This way, potential candidates can see straight away what you believe in and whether these values are aligned with their own. For each of the company values, you can build a list of questions which are designed to pick a part a candidate’s personality traits and see whether they are a

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potential fit for the role and company. For example, one of our values at BizSpace is passion. We always ask in interviews an example where an indivdual shows passion in and outside of work. Our employees are the face of BizSpace and their consistent passion and hard work are key to creating our thriving business centres. We look for employees who are passionate about supporting our customer’s goals, acting as the silent hero’s helping customer’s passions become a reality. Work and play by your values The best way to bring your values to life in an

organisation is to exhibit them through work and play each day. Lead by example and show employees how it’s done, this will empower employees to do the same. We actively model our company value ‘fun’, both in and outside of work. We encourage networking within and around our business centres, we run #LetsdoBizness networking events, keep it local with fundraisers and group activities. Our social committee continue to promote our value of fun and build upon friendship outside of work, by organising evenings out for employees such as, theatre trips, bowling, dinners and nights out. Reward your values Promote your organisations values by rewarding employees whose behaviour or work ethic demonstrates them. Actively encourage rewarding someone who lives and breathes the company values and goes above and beyond what’s expected to deliver great results in a public forum.

Not only does this make the individuals feel good about themselves, it also encourages the rest of the company to follow this example. To ensure our employees live the company values every day, the values form part of the quarterly performance review process. Also, anyone within BizSpace can nominate an employee who has strongly demonstrated our values; each employee nominated is sent a thank you e-card and appears in the quarterly values newsletter. Our champions are rewarded by receiving an extra day’s annual leave, as well as being taken out for dinner with the CEO. After all, the best way to promote hard work and good behaviour is to reward it. Once you have a clear vision of what your brand stands for, you will attract the right employees and customers who share your beliefs. Julie Mcnulty If you want to be part of our Biz Space community and share our values, visit Centre Manager www.bizspace.co.uk www.bizspace.co.uk or call us on 0800 01772 880729 975 0875

Unlocking the potential of small businesses since 2000

Find your new office at BizSpace today We provide office space for the innovators, the creators, the big thinkers and the imaginative dreamers that make this country great. We don’t believe in tying our customers into long contracts either. Our monthly rolling contracts give you ultimate flexibility. Join the growing legion of entrepreneurial superheroes who call BizSpace home.

---------------------------------0800 975 0875 0800 975 0875 ----------------------------------

bizspace.co.uk YOUR STARTUP

Setting up your own business is a common dream

Adam Clayton Business Growth Enabler Bolton and East Lancashire

Adam.Clayton@natwest.com 07919 391994

Nearly half of Britons would prefer to be self employed – but research suggests that few know where to start. Jakie Bywater, NatWest’s business growth enabler for Cumbria and Lancaster area, gives her top tips on starting your own business.

hen NatWest did some research into entrepreneurship, the results suggested that 46% of people would rather be their own boss, but that just 38% knew where to start. While every business is different, there are some things that all would-be entrepreneurs need to make sure they’ve ticked off the list.

Michelle Shea Business Growth Enabler North and East Lancashire michelle.shea@natwest.com 07887 833991

Jackie Bywater Business Growth Enabler Cumbria & Lancaster Area

jackie.bywater@natwest.com 07867 156055

YOUR STARTUP

• Firstly, be aware of some of the most common trip hazards for startups. A key one is not knowing your customers’ needs. Other stumbling blocks are having insufficient capital, a lack of planning, doing too much too soon, or choosing the wrong location for your fledgling business. • The key is doing your homework. Research how other successful businesses have begun. Make sure you know your customers - who are they, why they will want your product or service and how you will reach them. As well as your customers, know your competition who are they, where are they and what do they do well? Approach your Local Enterprise Agencies for business advice. Consider whether you will need to take on staff, either straight away or in due

course. And write a business plan which identifies your aims, strategies, market and financial objectives. • Make sure that you own your idea. Having the right type of intellectual property helps prevent others stealing or copying your product, brand, invention or design. You could register your trademark to protect your brand, for example the name of your product or service. A registered design protects any aspect of your design and prevents others from using it for up to 25 years. A patent protects your invention by giving you the right to take legal action against anyone who makes, uses, sells or imports it without your permission. • Consider where your business will be based. If you are planning to work from home, find out if you’ll need planning consent or permission. Will you have to pay business rate charges? Make sure you know the insurance implications; different businesses have varying health and safety requirements. And give careful thought to your work/life balance, it can be difficult to switch off if home is also your office. If you’re planning to work from business premises, find out if planning consent is required for change of business use. Think about how customers and suppliers will get to you and where they will park. And research whether there are any competitors nearby. • Do your sums. Running out of cash is one of the biggest causes of business failure. Forecast your profit, know where your break-even position is – and remember you need to pay yourself a wage. Complete a cash flow forecast to estimate how much money will come into and go out of your business. A good start is to break down your personal income and expenditure using your last three months’ bank statements, making sure you know how much existing personal or business debt you have, and getting a realistic valuation of any personal assets. Succeeding as an entrepreneur takes commitment and desire, the support of family and friends, self motivation, and the ability to handle difficult situations and challenges. You are the defining factor as to whether your business will be a success. (Source NatWest Entrepreneurship Monitor, September 2015)

NatWest helps local businesses in Lancashire

NatWest has been offering Lancashire’s SMEs a helping hand for more than 50 years, providing them with the finance to set up and grow. One business helped by NatWest is Burnley-based, Bella’s Bakes, who secured a business mortgage with them for premises in the town. Founded in May 2018 by Burnley-girl, Hannah Greenwood, Bella’s Bakes offers bespoke cakes for weddings, birthdays, anniversaries and other special occasions, as well as a charming coffee shop with take-away treats such as cupcakes. Hannah started her career making cakes at a young age, baking delicacies for her friends and family on special occasions. Her adroitness was rediscovered whilst studying English Language at Lancaster University, Hannah then worked at Slattery’s in Manchester, refining her talents, and enhancing her creative flair. After next working in a Slough Bakery, Hannah decided it was time to move back to her hometown and start her own bakery, following copious research, Hannah found the ideal three-story premises in Burnley. With the idea in place and the establishment in mind, the fledgling entrepreneur began seeking a business mortgage to fulfil her dreams. After making contact with one bank, whose offer was unreasonable, Hannah approached NatWest, who immediately allocated her a dedicated local relationship manager, Joe McKiernan. Following consultation, Joe offered Hannah a business mortgage, presenting her with the opportunity to launch Bella’s Bakes, a name chosen to recapture and reflect on Hannah’s youth, when her family would charmingly refer to her as Hannah-Bella. Hannah said: “The NatWest business mortgage has allowed me to move the business from my mum’s kitchen, to a stunning three-story building with a storage cellar, coffee shop and flat.

“Since I started the business in May, demand has grown rapidly and we’re delighted by how quickly the community has supported Bella’s Bakes. “The process of application with NatWest was incredibly simple and transparent, Joe McKiernan, my relationship manager, was helpful and found the right business mortgage for me. “NatWest also invited me to a business development event to broaden my skills, where industry leaders spoke to me and other SME owners about how to best utilise digital marketing to grow the business. “I would certainly recommend NatWest to anybody ready to take the plunge into entrepreneurship. They have really helped me and having my own relationship manager, who I can speak with face-to-face, really reassured me that NatWest was the right bank for me.” Adam Clayton, Business Growth Enabler, NatWest, said: “We help businesses in Lancashire, like Hannah’s, every day, by finding the right package for them to kick-start their dreams. “We provide every business that we have a number of ways to bank, from our Business Growth Enablers in every market, to a dedicated Relationship Manager for larger businesses, to our Telephony & Webchat team who are on hand 365 days of the year, as well as a great digital service through our online banking and our award winning mobile app. “NatWest offers a range of tailored packages for SMEs, ranging from small loans to large business mortgages. As Hannah’s business grows, we will continue to support her with advice, invitations to Boost Your Business events and tailored financial products.”

To find out more about what NatWest do to support SMEs, search NatWest Boost. YOUR STARTUP

Leaders grow by sharing insights The North West UK regional chapter of TiE, the world’s largest entrepreneurs network, is helping business and their leaders grow with unique insights from some of the most influential figures in global business.

iE has more than 60 chapters, across 18 countries worldwide and since the organisation’s inception in 1992, its mentoring programme has added over US$200billion of net-economic-wealth to organisations around the world.

The North West chapter of TiE is based in Manchester, with a growing presence in Preston and Liverpool. Established more than a decade ago, each year the chapter works with hundreds of businesses in the region and some of the most influential CEOs and founders. The TiE Chairman of Lancashire is Philip Dyer, Founder and CEO of NXO. A chartered member of TiE, Philip’s business career has spanned 30 years in a broad range of sectors. Philip’s focus has always been on people, identifying

YOUR STARTUP

the importance of barriers to personal growth and development and how this impacts on organisational aspirations and ambition. Whilst Philip’s experience extends to international businesses with profits in the billions, his passion lies with owner managed businesses; often referred to as the backbone of the British economy. Furthermore, Philip considerers physical and mental wellbeing as a critical part of the growth process; having observed many negative examples of the impact of running your own business, excessive stress; lack of time, his emphasis is on taking care of the best assets you will ever own, your brain and your body. TiE acts as a forum in the North West, connecting businesses through mentoring, networking and education. Holding regular events, TiE NorthWest’s latest event is on Monday 22 October at Preston based

accountants, RSM. The round table event, ‘HEALTHY LEADERS – HEALTHY PROFITS’, features the experiences of Philip, who will talk about an innovative process which will change the thinking of company directors and business owners with a focus on the health sector. Ann Jordan, Regional Director TiE, said: “TiE is an organisation devoted to helping both businesses and their leaders grow. We bring together opportunities, ideas and people from both within the UK and internationally, connecting young businesses with some of the most experienced entrepreneurs, who provide their time and expertise to help develop the next generation of leaders. “The organisation holds networking events, ranging from intimate roundtables, such as our event with Philip Dyer, to the world’s largest annual gathering of entrepreneurs, TiECon, which this year welcomed more than 5000 attendees, 1300 industry leaders, 220 speakers and guests from 22 countries. “We also work with top business schools and colleges around the world

to deliver best-in-class practitionerled education, workshops, seminars and more. Working with schools in the community to get young people excited about entrepreneurship, TiE aims to cultivate and nurture the entrepreneurship and free-markets economies everywhere, as we see this as the single most powerful instrument of prosperity.” Membership of TiE is open to individuals of all backgrounds and experiences. Current members come from a diverse set of industries including; IT, manufacturing, healthcare, banking and finance, biotech, legal services, and hospitality. As a member of the North-West UK regional chapter of TiE, individuals and organisations will have access to; entrepreneurship conferences, networking events, the TiE mentor network, oneon-one mentoring opportunities and a forum to showcase your business and volunteering oppourtunities. If you’re interested in joining TiE, Philip Dyer Lancashire Chairman please contact Ann Jordan: ann@ashfield.net / 07710 500 802 YOUR STARTUP

A guide for SMES negotiating energy contracts Energy is an essential part of running your business, from powering your IT systems to heating your offices. However, the reality is that small businesses across the country are battling with the threat of rising energy costs.

ndrew Nuttall, Managing Director of Simply Business Energy, looks at some of the basics you should consider when negotiating your energy contracts. Can I do this on my own?

Setting up a new contract or switching supplier as soon as you move into your premises can make a big difference to your bills. However obtaining the best prices for your business energy requires skill. A lack of industry experience and knowledge can often leave you facing limited access to the market. Consumer energy tariffs can also be complex to understand, especially when purchasing business energy. Using the services of an independent energy consultancy like Simply Business Energy takes the hard work out of the procurement process.

YOUR STARTUP

Our team of energy experts will compare a range of quotes from all the major UK suppliers to find what’s best for you. With our expertise and access to the best resources and prices, we ensure that your quote is the best to suit your requirements, premises, usage and budget. What length of contract should I go for? A question you’re likely to come up against is whether you should you lock into a business energy rate, for a longer period of time or go for a shorter rate with less of a commitment. Understandably your business has its own distinct energy requirements, so it’s essential you choose a supply contract that suits your needs. At Simply Business Energy, we can advise on the best route to take. Acting wholly independent of any suppliers, we use our

market analysis insight and negotiation skills to ensure we enter the market at the optimum moment and find the right deal for you. I’ve secured my energy contract, what’s next? As a busy business owner, it’s only natural that once you’ve secured your energy contracts, you focus on the more immediate tasks at hand. Whilst this makes sense initially, failing to maintain a close eye on the sector over the duration of your contract could result in a big surprise as your renewal date approaches. Due to recent changes implemented by Competition and Markets Authority (CMA), microbusinesses who haven’t agreed a new contract will no longer be automatically rolled over, but will instead be subject to out of contract (OOC) rates, once your current contract ends. This means you will be charged extremely high prices until you secure your new contract. According to a study by the

Competition and Markets Authority (CMA),for a staggering 45 per cent of electricity and 49 per cent of gas, SME customers were on default energy tariffs. Simply Business Energy’s exclusive renewal reminder service gives you complete peace of mind, taking the stress and time out of keeping an eye on your utility contract end dates. We’ll contact you 90 days before your contract is due, via the method of your choice, providing you with a selection of competitive prices to ensure you will not be paying over the odds. Want cheaper energy bills? Simply call us on 01772 689 250 to speak to one of our experts. For ease we would be grateful if you could have the following items to hand: Business registration information Details about the type and size of your business Your postcode

Andrew Nuttall Simply Business Energy Managing Director 01772 689 250

Want Cheaper Energy Bills?

We’ve got you covered. Simply call us on 01772 689 269 or visit our website for a free no obligation quotation. www.simplybusinessenergy.co.uk

YOUR STARTUP

Helping growing businesses raise their profile on the local and international stage Every company needs a quality reputation and recognition for its strengths and skill sets from its customers, potential customers, supply chain, employees, potential employees, its local community and stakeholders.

ne of the key, cost effective ways to do this, is to raise the companyâ&#x20AC;&#x2122;s profile, in partnership with a PR company, focusing on press releases, social media blogs, thought leadership articles, brochure case studies etc. All these activities utilise a targeted approach to working with the appropriate media channels and a close, trusted working relationship between the PR team and the company

Preston based media communications company, The Press Release People (TPRP), has helped many companies with raising their profile, including innovative agricultural firm, Levity CropScience, helping grow its national and international presence, since the two started working together 12 months ago. Levity CropScience, based in Bilsborrow, Lancashire, takes an innovative approach to agronomy and their experts are recognised as leaders in increasing yields and crop problem solving. Offering tailored troubleshooting agronomy advice for growers, their specialist scientists understand the problems of growers and creating fertiliser products to 30

YOUR STARTUP

solve those issues. In particular, Levity specialises in creating smart fertilisers that increase the growth, quality, resilience and yield of potatoes, soft fruit, top fruit, cacao, protected crops and leafy vegetable crops. TPRP has helped Levity grow its national and international reputation with consistent and effective media communications. Targeting both regional press as well as national and international agricultural sector publications, Levity has seen demand for its products increase exceptionally in markets across the Middle East, Africa, North America and Europe. Following an initial meeting, in which TPRP learned more about the business and its objectives and brainstormed potential story ideas for the firm, TPRP set out a clear and effective media strategy for the following months. Draft articles were produced, following a short interview and submitted to the client for approval to issue. As a result of TPRPâ&#x20AC;&#x2122;s planning, creation and implementation of media communications, Levity has received both coverage in the UK and around the world

in targeted publications, leading to the increased demand for its products. Andy Mann, Group Editor at The Samuel James Group, owners of TPRP, said: “We work with a range of clients across sectors including, automotive, engineering, cyber security, technology, agriculture, professional services and manufacturing, to help build their profile. “Communicating with stakeholders at all levels is vitally important for any business, since it helps improve staff morale, win more business, positively build public and supply chain perception, create a positive narrative of the business and ultimately help build your reputation.” Anna Weston, Co-Managing Director, Levity CropScience, said: “We’re delighted with the services offered by The Press Release People. The team’s experience and abilities are exceptional, they have a very informal and inclusive approach, and they deliver on agreed objectives. Throughout the whole process, they managed our expectations and we’re delighted with the coverage they have helped us receive around the world.” TPRP also works with Blackpoolbased, Links Signs and Graphics, who approached TPRP to help build awareness of their growing business. Established in 2007, Links Signs & Graphics employs ten people and provides high-quality bespoke signs and graphics

for a wide range of purposes, including; external signs, window graphics, vehicle graphics and banners. TPRP has helped Links Signs & Graphics achieve local coverage of their exciting projects, leading to increased awareness for the company. Carl Bennett, Director, Links Signs and Graphics, said: “The Press Release People has helped our target audience become more aware of us and we are currently experiencing a very busy period, I have no doubt that this is, in part, down to the level of coverage we have experienced in the media.” Andy added: “Our highly-competitive rates, media contacts and excellent service is what attracts and retains our clients, which now includes more than thirty companies, based around the North West and further afield. We don’t work on a retainer and will only charge the client, after they have confirmed that they are happy with the work produced. “I urge businesses, both large and small, to recognise the importance of public relations and the positive, cost effective impact it can have on an organisation’s reputation. It should always be part of a company’s marketing Philip Ghayour channels. Please get in touch if you would PR & Marketing Manager like to learn more about how we can work phil@thesamueljamesgroup. com together to raise the profile of your 07825 84003 organisation.”

YOUR STARTUP

Relationships are key It’s an often thought misconception that business is all about networking. Networking to find the right connection to make that all important sale or step up in your business career but networking can also be hit or miss.

etworking is an important part of building a business or career, but it pays not to forget relationships.

A lot of people feel relationship building is the most important aspect of building a business. Whereas networking is designed to establish the contact, it doesn’t necessarily lead to long 32

YOUR STARTUP

term relationships in business. It’s always important to keep in mind that the two are not mutually exclusive. Whilst not forgetting networking, you should be more focussed on relationship building. Networking should be the first step in relationship building. Everyone is different, there are natural networkers who see a room full of new people as

the ultimate challenge to get as many names and phone numbers as possible, compared to others who see that very same room as the most daunting experience in their life yet, are totally at home with one-to-one relationships. Either way, the old adage almost rings true that: “It’s not what you know but who you know” but you still need skills and knowledge to benefit you in the long run. It’s all about alliance building as you continue your career and expand your business. Why join the Chamber The Lancaster and District Chamber of Commerce can help you build life-long associations, especially in smaller business communities such as Lancashire. Membership of the Chamber of Commerce is a great way to tap into the experience, skills and practical support you need to develop strategies, implement best practice and discover the people who can help you take your business to the next level. The Chamber provides a range of networking opportunities and sectorbased workshops and training events aimed at helping you grow your business acquaintances and share knowledge and ideas. It can help businesses and individuals develop skills through a

variety of training courses, and there are many ways in which to engage with members, through our newsletter and website, and social media channels. It has extensive international networks and can assist businesses with their requirements and export documentation. The Chamber meets with and inﬂuences key decision-makers in local and central government and is regularly consulted for feedback from the business community when policy is being developed, locally and nationally. The Chamber offers its members a variety of services including export advice and documentation, health and safety, tax, legal and human resources helpline. It also runs various training sessions, as well as networking events and business lunches. The Chamber of Commerce was also instrumental in establishing the two local Business Improvement Districts, Lancaster and Morecambe. They work hand in hand on local, and other, issues to ensure that all voices are heard. Prominent members of the Chamber Gemma Beaton Membership & Export include EDF Energy, Lancaster Manager University, the University of Cumbria, 01524 381331 07867489483 Seatruck Ferries, Peel Ports, Standfast gemma@lancaster-chamber. and Barracks, and many professional org.uk service firms.

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How Helping Others Can Help Your Business Grow It is in giving that we receive, so the saying goes but as a Start-up, it can seem that it’s all shelling out, with very little return.

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he idea of supporting a local charity may seem way off the agenda but could developing a working relationship now be a good way to helping your business’ future growth?

According to Rosemere Cancer Foundation’s corporate fundraising manager, Cathy Skidmore, the answer is most definitely yes and there’s a wealth of documented evidence to prove it. If that’s not enough, Cathy is also the proud possessor of a bulging business contacts book, containing details of companies which support Rosemere Cancer Foundation, of all sizes from one man bands upwards, which she regularly works with in a variety of ways. Cathy said: “As a local, as opposed to a national charity, we are part of the same community. We work to ensure cancer patients from throughout Lancashire and South Cumbria have access to world class cancer treatments and services that are beyond limited NHS resources. We do this by funding vital equipment, research and training among other things at Rosemere Cancer Centre, the region’s specialist cancer treatment centre at the Royal Preston Hospital, and at another eight local

hospitals from Barrow to Blackpool. “The patients we support are part of the local workforce. It can make staff feel good to know they are doing something positive for their community. It increases motivation, which in turn has its own positive benefits in terms of physical and mental health. Companies use supporting charity to encourage team work, to help recruitment and retention, for networking purposes and to boost their profile in terms of positive PR and media coverage. There has to be mutual benefit.” Ways of Support As well as the many benefits of supporting a charity such as Rosemere Cancer Foundation, there are also many forms that support can take. These range from simple payroll giving to gifts in kind. Traditionally popular fundraising tools for Rosemere Cancer Foundation are raffles and auctions and Lytham St Anne’s Beaverbrooks the Jewellers and Stanley House Hotel in Mellor have both provided vouchers and goods for prizes. Other ways to help include joint marketing initiatives, sponsorship and charity partnerships. Cathy said: “It’s my job to work with companies to find the best way of helping them help us.”

Joint Marketing Initiatives

Walk the talk

Through its Affinity savings account, the Furness Building Society gives its customers the opportunity to support a number of local charities, one of which is Rosemere Cancer Foundation. It costs customers nothing, they simply nominate their chosen charity.

On the evening of Saturday. 29th April this year, 450 people set out to walk the 11 miles from Chorley & South Ribble District Hospital along the A6 to Rosemere Cancer Centre – a trek that is Rosemere Cancer Foundation’s annual Walk in the Dark.

The company then makes an end of year donation based on collective savings deposited under the charity’s name. Cathy said: “This is a great joint marketing scheme that the Furness has had for a number of years. Again, it helps unify the company and its clients within the community for the greater good.” The Station Hotel, Caton, operates a Cupful of Support scheme, whereby it donates 10p from every hot drink sold to the charity. Director Andrew Barker said: “Nowadays, going to the pub is more about catching up with friends or enjoying time with family. So many people in the area are touched by cancer in one way or another, whether it’s themselves or a family member or friend. For this reason, Rosemere Cancer Foundation makes for a perfect charity partner.”

Walk in the Dark is the charity’s single biggest fundraiser of the year. This year, entry fees, sponsorship and donations collectively raised £52,000. Some £2,108 came from the charitable trust of Preston construction company Eric Wright Group, which entered a 10-strong workforce team of walkers and match funded the money they were sponsored to raise. The company also sponsored the event’s staging cost with a £1,500 donation, meaning every penny raised was able to go towards Rosemere Cancer Foundation’s project work. Rosemere Cancer Foundation has also since received a £25,000 donation from the Eric Wright Group Charitable Trust towards its Ribblesdale refurbishment project. Refurbishing the Ribblesdale Ward, Rosemere Cancer Centre’s in-patient ward, was one of the 20 Years Anniversary Appeal projects but over the course of the appeal, the project expanded to a total re-model, upping its cost.

To find out more about working with Rosemere Cancer Foundation, call Cathy on 01772 528198 or visit www.rosemere.org.uk

What a difference a year makes

In March 2017, Rosemere Cancer Foundation launched its most ambitious ask for support ever, which took the form of its £1.5 million 20 Years Anniversary Appeal. The appeal, which achieved its target this spring, was to fund a trio of ground breaking projects at Rosemere Cancer Centre to mark the 20th anniversary of its opening. Law firm Farleys, which has offices in Preston, Burnley, Blackburn, Accrington and Manchester, signed up to a year-long charity partnership with staff setting itself the target of raising £10,000 in support and actually raised almost £12,000.

Cathy Skidmore Rosemere Cancer Foundation www.rosemere.org.uk 01772 528198

YOUR STARTUP

Hyundai

£159

PER MONTH*

CUSTOMER DEPOSIT *

Explore the Special Edition Go! SE High spec features including: Sat Nav, Apple CarPlay™ and Android Auto™ and Exclusive Go! SE cloth seat designs

Hyundai i10

Go! SE Edition

Stay on top of the city with the i10 Go! SE. Featuring spec in addition to the standard SE model, plus a range of exterior colour choices including the exclusive Champion Blue. ● 14” Alloy wheels ● Touchscreen satellite nav ● Phone connection - Apple CarPlay™& Android Auto™ ● Leather wrapped steering wheel and gear knob ● Seat trim - cloth with Go! SE stitching ● Privacy glass - rear windows

48 Month PCP Example - New Hyundai i10 Hatchback 1.0 Go! SE

Personal Contract Purchase (PCP) - 48 Month Plan On the Road Cash Price

£10,568.00

Customer Deposit

Finance Deposit Contribution

£500.00

Total Deposit

£500.00

Amount Financed

£9,909.00

Final Optional Payment

£3,924.00

Total Amount Payable

£12,215.00

48 Monthly Payments / APR

£159.00 / 5.99%

Annual Mileage

6,000

Chorley Group Blackpool Hyundai Amy Johnson Way, Blackpool, FY4 2RP | 01253 298833 Visit us online www.chorleygroup.co.uk Terms & Conditions: *5.99% APR is available when vehicle is purchased on a 48 month PCP agreement through Hyundai Capital UK Ltd T/A Hyundai Finance. Finance is subject to status and acceptance. Terms and conditions apply to all offers. Images shown are for guidance purposes. 6,000 miles pa, excess mileage will be charged at the rate of 7.5p per mile (Plus VAT) for the first 5000 miles and at twice that rate thereafter. Offer available until 30th September 2018.