A Fixed Interest Plan (FIP) is a combination of the Debenture, protection and the strategies used to produce the income of 8.75%p.a.
We call this the Asset Life Fixed Interest Plan or Asset Life FIP
Check out the 'How it works' page for more information.
Will deliver value through expertise built from prior industry experience and direct industry knowledge. Specialist's in due diligence, analysis and executing commercial development strategies that maximize the economic value of investments.
In addition to the bond indemnity as mentioned below, the debenture holders will have a floating charge over all the investment assets and material goods held by the company.
Bond Indemnity Insurance
Asset Life has cover in place an active form of indemnity insurance to cover the Loan the policy features include;
There are no fees you will have to pay to Asset Life.
Your money will help small and fledgling businesses to secure the capital that they need in order to grow and develop. You help directly to create jobs and stimulate the economy, and so ensure that these businesses remain a vibrant part of a local community.
No, we invest in a number of enterprises and asset backed portfolios to diversify the investments to lower the investment risk.
The directors consider that the Company’s income will be generated from investments to startup firms and established businesses with perceived long-term growth potential. This is a very important source of funding for these types of enterprises that don’t always have access to capital markets.
It is from these sources of income that the fixed interest of 8.75% will be paid. Your loan is fully covered by an A rated indemnity insurance policy should anything unforeseen happen.
Please refer to the Information Memorandum for further information
Our principle business model for generating income will be based on investing through two main areas; “Direct Investments” and “Asset backed Portfolios.” Any decision to proceed on a potential opportunity will be made only once a extensive process of due diligence has been undertaken from our expert team and external advisors.
- Direct Investments
Helping the wider economy grow through the support of our Asset Life lenders, the company will invest in, acquire or provide capital to a portfolio of companies, partnerships, joint ventures or other assets that we believe will provide high growth opportunities and, or, steady income.
Principally the company will be looking to invest in asset-backed opportunities although the key consideration will be the quality of the investee and their growth and income potential.
It may be right if you:
As with any investment, the capital you loan has exposure to risks, although we have done all we can to ensure the this is minimal. This could mean you receive lower returns than expected and being paid over a longer period of time. To make sure you are aware of all the risks, always read the Information Memorandum.
All of these factors are contingencies which may or may not occur and the Issuer (Asset Life) is not in a position to express a view on the likelihood of any such contingency occurring. Prospective Debenture Holders should reach their own views prior to making any investment decision. The Issuer is subject to the below key risks. If any of these key risks actually occur the Issuer’s business, operations, financial condition or reputation could be materially affected and if the insurance indemnity is excluded Asset Life Debenture Holders could lose all or part of their investment.
Risks associated with this include:
Please make sure you read and fully understand the Information Memorandum before you decide to loan funds.
Martin Binks Company Chairman
Martin started his career in 1975 with the finance department of Ford Motor Company before moving to the Wellcome Foundation. In 1987 after Big Bang he moved to the City as Financial Controller of NatWest Stockbrokers. He was promoted to Finance Director in 1993, Deputy MD and then Managing Director in 2000. Since 2004 he has held a number of company directorships including that of board member and Compliance Director of an FCA Regulated securities company.
Felix Engström Director
Felix has extensive experience from positions from both private and public companies. Currently with business development at Frösunda Omsorg, one of the largest private care operators in Scandinavia. Mr. Engström served as the CEO of the listed company Redland Farming from 2010-2011, and prior to this appointment served as Investment Manager at Masa Invest. In addition to this, Mr. Engström is Advisor at Nordlink Capital with a focus on transactions deal flow and investor relations with extensive transactional experience from the energy and agricultural sectors and has also experience from Avanza Bank, Beijerinvest and the Swedish Embassy in Tokyo.
Felix received a M.Sc. from the Stockholm School of Economics.
Terence Mitchell Director
Terence has acted as an independent consultant to companies such as Viacom and was appointed by JP Morgan on behalf of one the largest global real estate funds to provide consultancy services. He has successfully been a private investor in several venture capital companies and assisted numerous companies in an array of industries, with fund raises and preparation for IPO's. A strong understanding of how global financial markets work he understands how to balance risk with return, supported by high quality asset allocation and in-depth research, well-resourced with sound investment strategies.
Leonard Russell Non Executive Director
Leonard has over 40 years experience in the City with wide general management experience and significant success in the profitable development of a wide range of city and financial services operations with particular success in new ventures and turnaround situations. An Executive Director of NatWest Stockbrokers at the time of Big Bang, he has worked in a number of stockbroking roles responsible for trading, risk and compliance including start-up and turnaround situations and M&A transactions. Head of high net worth team responsible for risk, corporate and compliance of the team. Responsible for the handling of business from the Clearing Banks and Bank Trust Companies which required detailed knowledge of the Trustees Investment Act. Also designated lead agent for the South East in the first ever privatisation (BT). He is a Member of the Securities Institute.
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