We Offer •Loans of up to £20,000.00 •Business support and diagnostics to assess viability of the business concept •Business growth support including portfolio management •Networking, peer learning, business mentoring and exchange programs •Social enterprise development – expert help on full cost recovery modelling •New start and existing enterprise growth initiatives Who do we aim to support While our loan funds are accessible to a wider group of people who are finding it difficult to raise loan finance from mainstream institutions, we do tend to focus on certain marginalized and in some cases “hard to reach” groups. We are specifically seeking to help ethnic people who fall into any of the following categories; •Lone parents •Long term unemployed – unemployed for 6 months or more •Refugees and asylum seekers •Women in business •Ex-Offenders •Social enterprise and self help groups What about security We will look for adequate security to cover our loans. Where you have access to superior assets such as property, we will take this over other less secure assets. However, we will aim to be flexible about security and make decisions based on the business case presented and the ability to repay the loan. Membership Membership of Ethnic Mutual is based on the aquisition of withdrawable share capital. Currently we are offering withdrawable shares in bundles of 100 each at the nominal value of £1.00 per share. •You can dowlnload the withdrawable share application form and here. Withdarawable Shares Application form The Team The Trustee Board from which the loan panel is derived is made up of the following: Maxine James Derek Harleston Rev. Francis Kabuye Titus Boye-Thompson - Secretary © Ethnic Mutual All Rights Reserved