Podcasts about angels den

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Register your interest in Serviced Accommodation Discovery Day here, and a member of our team will get back to you to confirm your place at your preferred date.     In this podcast episode, Kevin speaks to Ray McLennan of Raising Angel Finance. Ray has a lot of high-worth individuals on his books who are looking for investment opportunities. Including those property-related opportunities. He has also taught more than 1000 people how to pitch successfully.   Over the years, he has seen every kind of pitch there is from people looking to fund start-ups, scale-ups, University spin-offs, and property developments. So, he really knows what it takes to create and deliver an effective pitch. In the podcast, Ray explains what makes one pitch stand out from another. He also shares some simple pitching hacks that anyone can use to give themselves an edge when seeking funding for virtually any kind of property-related project.   KEY TAKEAWAYS Ray has many high-worth individuals on his books looking for property investment opportunities. Any listener can approach Ray about deals that they need investors for by following the instructions shared in the podcast. Most people who pitch have between a 50 and 70% chance of being successful. Even if 2 people pitch the exact same business, one may succeed in securing funding while the other one fails. In the podcast, Ray explains why that happens. Passion, a humorous presentation, or fancy PowerPoint slides are not the main ingredients of a successful pitch. You need to have an absolute belief in the fact that you are going to get funded. That belief comes from having a strong vision and values. From knowing you have done your homework and have a sound project. Investors and lenders respond positively to short, factual, simple presentations, that make strong arguments. These days, short well-made videos are an effective way to make a positive impression. It's rarely a good idea to do an initial presentation over Zoom. It is too difficult to make a personal connection. Getting funding from the banks and topping up with personal investors is an approach that can work well.   BEST MOMENTS ‘I have taught pitching and getting money from investors to about 1000 people.' ‘The ones that get the money have an absolute belief that they are going to get funded. ‘   ABOUT THE GUEST Ray McLennan is a former corporate lawyer from Edinburgh, Scotland who no longer practices law.  He co-formed the Copyright Protection Agency in Dublin in 1996 to advise SMEs on intellectual property issues and blogs and tweets on legal, business systems, and property investment matters. Currently, Ray is focusing on working with a group of finance lawyers and professionals to launch a series of Property Funds to bring back old-school banking for experienced property developers. As a former regional manager for Angels Den for 6 years, Ray has seen thousands of pitches. Including from SMEs looking for start-up and scale-up finance from private investors. He also has shares in several property companies that specialize in property Start-up incubators. They also renovate all kinds of properties and build on brownfield sites. Over the years, he has owned a variety of small businesses in the UK and Ireland. Including a chain of restaurants, a nightclub, a wine importers, and hairdressing salons. He also currently runs a company that creates affordable housing for key workers. Ray has been a VIP one-on-one mentor for Progressive Property based in Peterborough since 2016 and hosts a number of their VIP Lifetime Mastermind groups for established developers and business owners.  He is also a Keynote speaker and Lead Trainer. Ray has spoken at many large and small Scottish Enterprise and RBS events. He is also a Guinness World Record Holder and keynote public speaker and is co-host of the “How to Raise Money Podcast” and host of “The Skill Stack” Podcast. They have subscribers all over the world, mainly in the UK and America. He is currently trying to finish writing 3 topical business books!   GUEST RESOURCES https://www.raisingangelfinance.co.uk/ Application form to apply to pitch to Ray´s investors www.HomesForKeyWorkers.co.uk – Ray´s company that provides affordable housing for key workers   EPISODE RESOURCES The E-Myth by Michael E Gerber The E-Myth Revisited by Michael E Gerber Entrepreneurial Spark   VALUABLE RESOURCES The Serviced Accommodation Property Podcast https://propertysoldier.co.uk/ Rich Dad, Poor Dad by Robert T Kiyosaki Serviced Accommodation Success by Kevin Poneskis   ABOUT THE HOST Your host Kevin Poneskis enjoys public speaking, travelling, exercising, and keeping fit. He also enjoys working with a charity called STOLL which provides accommodation and training for homeless veterans.   Kevin was in the British Army serving 24 years, mostly in a Commando unit and retired at the rank of Regimental Sergeant Major. He left the Army in 2011 and became a full-time property investor. During most of his Army career, Kevin was investing in property and has been a property investor now for over 27 years.   CONTACT METHOD https://en-gb.facebook.com/propertysoldier/ kevin@propertysoldier.co.uk         See omnystudio.com/listener for privacy information.

Ray McLennan is a hugely experienced mentor who has owned and successfully grown a wide range of businesses. He also co-hosts the ‘How to raise Money' and ‘The Skill Stack' podcasts sharing his expertise and extensive business experience with a global audience. He shares his fascinating journey and explains why ultimately you have to be your authentic self and live by your values, asking the right questions if you want to be guided towards being able to do what you love.   KEY TAKEAWAYS You need to learn to work on the business not in the business. When I learnt to work on the business and put systems and processes in place everything became much easier. I exited when the property values and leases exceeded the profits from running the restaurants and people wanted to purchase When I started in law I saw it from the view of someone who had experience in business. I could see how a law firm could be a more efficient business. There were people in charge of things who didn't know anything about it I always ask about the reason why something is done the way it is. Often things continue to be done in the same way because it's always been done that way. There can be different solutions to resolve a challenge. I now work with angel investors and very varied ideas for new businesses Work out what your core values are and use them to guide you in what you do. When you find what you love doing it will energise you. If you do what you love, the world needs it and you can get paid for it then you have found what you should be doing. Everyone has different values and the world needs you as your authentic self. The breakthrough comes when you ask the right questions.   BEST MOMENTS ‘You have to live to your values and be your authentic self' ‘My contacts are a bottomless pit of knowledge and content about everything' ‘I like new things and learning then teaching about new stuff to help others'   VALUABLE RESOURCES Business, Wealth and Mindset podcast series     Ray McLennan website   ABOUT THE GUEST Ray McLennan is a former corporate lawyer from Edinburgh, Scotland who also has many years of experience owning and operating a mixed variety of small businesses in the UK and Ireland. As a former regional manager for Angels Den for 6 years, Ray has seen thousands of pitches from SME's looking for start-up and scale-up finance from private investors and he has spoken at many large and small Scottish Enterprise and RBS events. Ray has been a VIP one-on-one mentor for Progressive Property based in Peterborough since 2016 and hosts a number of their VIP Lifetime Mastermind groups for established developers and business owners. He is also a Keynote speaker and Lead Trainer with shares in a small number of property companies specialising in property and Start-up incubators. Ray has created a Community Interest Company (CIC) to build affordable housing solely for key workers such as nurses, paramedics, fire and police officers where the rent is capped at a percentage of their salaries. (www.HomesForKeyWorkers.co.uk) Ray is currently working with a group of finance lawyers and professionals to launch a series of Property Funds to bring back old-school banking for experienced property developers. Ray is also a Guinness World Record Holder and keynote public speaker and is co-host of the “How To Raise Money Podcast” and host of “The Skill Stack” Podcast.    ABOUT THE HOST Alex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange and interest rates to operational risk from the world's top financial and advisory institutions including Deloitte, RBS and JPMorgan Chase Alex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs). He specialises in raising finance, providing potential investors, investors and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoring Alex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference. Alex is also a keen traveller, cyclist and photographer.   CONTACT METHOD Facebook https://www.facebook.com/alexsapalaofficial/ Twitter - @alex_sapala https://twitter.com/alex_sapala You Tube https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ                 See omnystudio.com/listener for privacy information.

Ray McLennan is a hugely experienced mentor who has owned and successfully grown a wide range of businesses. He also co-hosts the ‘How to raise Money' and ‘The Skill Stack' podcasts sharing his expertise and extensive business experience with a global audience. Growing up in an entrepreneurial environment showed Ray the importance of working hard and understanding that there is always a way forward. As he shares his fascinating journey he explains the importance of seeing the opportunities and acting on them to create new business possibilities that can open up unexpected new ventures.   KEY TAKEAWAYS My father was an entrepreneur and worked very hard in the various businesses he had. He showed me a way but didn't give me a path I had to follow. I understood from an early age about the concept of work, everyone around me worked hard. I briefly considered several different career possibilities whilst still in education including training as a vet. I joined the army and went on to Sandhurst to complete my officer training. I saw an opportunity to sell beer to and was able to organise a supply chain. It's about looking for and acting on the opportunities when they occur. I recognised a high level of demand for beer and responded to this opportunity by organising a bulk purchase and the logistics to move it. I went on to source and supply wine to meet the demand of officers and then to exclusively supply champagne. Its exclusivity to us meant there were no pricing comparisons with anyone else. Wine and beer distribution are relatively simple compared to owning a restaurant which is what I moved on to next.   BEST MOMENTS ‘It's always about seeing the opportunities' ‘It was a win, win situation' ‘We went to a supplier who wasn't big enough to have their own distribution so we got it at a very good price'   VALUABLE RESOURCES Business, Wealth and Mindset podcast series   Ray McLennan website   ABOUT THE GUEST Ray McLennan is a former corporate lawyer from Edinburgh, Scotland who also has many years of experience owning and operating a mixed variety of small businesses in the UK and Ireland. As a former regional manager for Angels Den for 6 years, Ray has seen thousands of pitches from SME's looking for start-up and scale-up finance from private investors and he has spoken at many large and small Scottish Enterprise and RBS events. Ray has been a VIP one-on-one mentor for Progressive Property based in Peterborough since 2016 and hosts a number of their VIP Lifetime Mastermind groups for established developers and business owners. He is also a Keynote speaker and Lead Trainer with shares in a small number of property companies specialising in property and Start-up incubators. Ray has created a Community Interest Company (CIC) to build affordable housing solely for key workers such as nurses, paramedics, fire and police officers where the rent is capped at a percentage of their salaries. (www.HomesForKeyWorkers.co.uk) Ray is currently working with a group of finance lawyers and professionals to launch a series of Property Funds to bring back old-school banking for experienced property developers. Ray is also a Guinness World Record Holder and keynote public speaker and is co-host of the “How To Raise Money Podcast” and host of “The Skill Stack” Podcast.   ABOUT THE HOST Alex is a prize-winning chartered accountant with experience in financial markets from trading finance, capital hedging, structural foreign exchange and interest rates to operational risk from the world's top financial and advisory institutions including Deloitte, RBS and JPMorgan Chase Alex has been involved in property development programmes across different types since 2008, building and managing a portfolio that includes standard buy-to-lets, student accommodation and other houses in multiple occupancy (HMOs). He specialises in raising finance, providing potential investors, investors and joint venture partners with ad hoc (to their specific requirements), hands-free and hassle-free property investments solutions as well as coaching and mentoring Alex aspires to share business and financial knowledge with upcoming entrepreneurs and experienced business minds to learn and master the concepts and mindsets required to succeed, stand-out, have the edge and make a difference. Alex is also a keen traveller, cyclist and photographer.   CONTACT METHOD Facebook https://www.facebook.com/alexsapalaofficial/ Twitter - @alex_sapala https://twitter.com/alex_sapala You Tube https://www.youtube.com/channel/UCgZ1DCPGAu5c2yhOkfGZRSQ See omnystudio.com/listener for privacy information.

Interview with Hatty Fawcett Hatty Fawcett, Founder of Focused For Business, has been raising money for businesses and projects since she was eight. She has worked in three startups and raised £250,000 for her own startup. Hatty has seen investment from both sides of the fence. As a Founder raising investment for her startup but she also what angel investors expect , having managed some of the investments Kelly Hoppen made when Kelly was a “Dragon” on the TV show “Dragons Den”. This gives Hatty a unique perspective on raising invest ment. In the last 12 months, through her coaching and training programmes, Hatty has raised a total of £1 million for her clients, with individuals raising between £10K and £350K. She does this by giving clients the clarity, connections and confidence to communicate exactly what investors want to know so a business owner attracts a number of offers and can choose the right one for their situation. Hatty is Regional Manager for Angels Den, the national angel network, a Talent Spotter for The Start-up Funding Club and also works with all the main crowdfunding platforms.

Why would anyone put themselves through the pain, stress and worry of starting their own business? We find out in this podcast. We are joined by James Courtney, the Founder of the food tech startup LUX.  LUX is a points-based rewards scheme for the corporate dining sector and has raised over £82,000 worth of investment from over 130 Crowdcube investors, £20,000 from Just Eat and £66,000 from Angels Den. James was named as one of ten 'entrepreneurs to watch' in 2017. We take you from idea to business funding and give away the best advice for anyone looking to start their own business. Listen today

Founder, CEO and Investor Adrian Enache (https://www.linkedin.com/in/adrianenache87) talks about the differences in the startup environments of eastern and western Europe, how his company, Angels Den Funding (https://www.angelsden.com/), maintains a great percentage of 5-year+ businesses and more Intro music is "I'm Going for a Coffee" (http://freemusicarchive.org/music/Lee_Rosevere/Music_For_Podcasts_3/02_Im_Going_for_a_Coffee) by Lee Rosevere, which is licensed under CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/) Special Guest: Adrian Enache.

Not all deals get funded and they don’t all get put in front of the right people, the decision makers. In today’s episode of The How To Raise Money Podcast Ray and Nigel bring you the ninja tactics you can use to get your pitch, proposal or presentation to the top of the list.   Ray and Nigel share with you experiences from real life deals and discuss the key learnings from successful pitches. Learn what to do and what not to do when pitching and discover the four things you can do to stand out from the crowd and secure investment. KEY TAKEAWAYS Four Things To Help You Stand Out” 1. To present well on paper. 2. Offer an amazing deal. 3. Know the right people. 4. Present well in person. Consider: What is it Why are we doing it How are we doing to do it What if it doesn't go well When is it needed Who you are and why you have expertise   How To Construct A Pitch: Framing and frame control. Status of the people involved Hot cognitions Eliminating neediness Social dynamic Self-confidence BEST MOMENTS "To stand out you need to be better than the next guy" - Vince Lombardi "Winners never quit and quitters never win" - Vince Lombardi "The difference between a successful person and others is not a lack of strength, not a lack of knowledge, but rather a lack of will. - Vince Lombardi "Chances are any investor or lender will see you on paper before they see you." “Answer who, why, what and when, when presenting yourself on paper” “You've been pitching the wrong way” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ Pitch Anything: An Innovative Method for Presenting, Persuading, and Winning the Deal - https://www.amazon.co.uk/Pitch-Anything-Innovative-Presenting-Persuading/dp/0071752854 C.R.E.S.T model   ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.   Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

In this episode Ray and Nigel welcome special guest Fredrik Sandvall, who is an entrepreneurial individual with multiple business interests including property development and a global sales consultancy. He has raised money for projects in a number of ways including crowd- funding. Tune in to hear Fredrik discusses the key ‘game changers’ you need to know to grow your business. Fredrik also reflects on the vital components required in business and in life to make substantial leaps forward. KEY TAKEAWAYS The hardest thing for people to do in business is to learn how to get out of their own way. Understanding that you do not need to do everything yourself is a game changer when growing a business Getting other people involved and moving from the knowing part to the doing part is a vital part of a team work approach. Organisations such as Progressive Property and PIN offer stability and structure around property investment, they are encouraging, pulling up and helping others. Trusting other people through delegation and leadership, giving those people the freedom to do what they should do and the accountability that goes with it is key to growth. You must  learn to let go, micro-managing is a hinderance if you are looking for extreme growth Working with other people’s money is about trust. You can create trust by doing great deals, giving value and through sharing your knowledge which demonstrates you know what you’re talking about. If you share your knowledge willingly people will want to work with you. Learning how to ask for money can be challenging, if you have a fear of rejection. What’s the worst that can happen when you ask for the money ? they can say no but it might only be no at this time. Following up with the ‘why’ question and digging a bit deeper could mean you find yourself with a different deal. Every deal is unique, in both how turns out and how it happens BEST MOMENTS “Ive always been very curious, that curiosity took me into special forces” “Then all of a sudden you’ve got yourself a deal again” “Hardest thing for people to do is get out of their own way” “Everyone reaching back and pulling up” “Daring to ask for the money” “Trust is the new currency” “A cumulative compound effect of doing this deal and that deal giving good returns -networking  the trust”    VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ https://fredriksandvall.com/ Main interests include Partner - Sandvall Invest Ltd a property holding company www.sandvallinvest.com Managing Director - Global Sales Consulting Ltd www.globalsalesconsulting.com Business Development Manager for London - Multi-Let UK www.multi-let.co.uk Property Investors Network - Mastermind Facilitator and Coach http://www.propertyinvestorsnetwork.co.uk/ Various other director and advisory positions in a couple of other companies Financial services, Outsourcing, IT start-up and property companies. Non for profit: Junior MBA teaching younger persons about entrepreneurship  https://www.facebook.com/JuniorMBAglobal/    ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on pro

The common challenge for borrowers is not being able to meet the deadline. Now, what do you do if you can’t pay back in time? Don’t panic and stay calm! On today’s episode of How To Raise Money Podcast, Ray gives you tips and strategies to find the best solutions to your energy-draining crisis. Learn how to do the first step: finding the root cause so you solve the real problem. Taking actions carelessly might worsen it so learn how to distinguish assumptions from facts. Then, discover how buying yourself time and creating options for yourself can help you arrive at sound decisions. Remember to not rush into things, make sure you’re in the right mindset and you have all the information you need. KEY TAKEAWAYS "Solving the wrong problem can only make things worse." Find the root first cause before solving a problem. Don't let your emotions, assumptions, opinions, or bias get ahead of you. We stop thinking critically when we let emotions win. Change the problem into a question. What can I do that will have the greatest impact? What would a wise person do? What's the best way to solve this problem? Approach it through a contrarian's view. Do the opposite. Study the pattern because the solution might reveal itself. Look at the track record of the clients. Were always delays beforehand? "If you're running a business, you must be cautious about deleting opinions, including your own." Always look for the facts. It's much easier to make sound decisions. Facts are not necessarily the truths. Facts can lead or mislead you to the truth. Treat facts and the opinions parts of the puzzle so you could arrive at the truth. In any crisis, the first thing you look at is time. Don’t rush yourself in making important decisions. Take your time and don’t let other people influence you in doing something. The second thing is to look at your options. Don’t avoid the problem and just walk away. You have to face it in the best way possible. BEST MOMENTS "When you have an agreement, you need to do everything you can to make good in that agreement and to pay it back." "As long as your heart is in the right place and that is what you want to happen, then everything will be okay. it's really the question of communication." "Before you try solving any problem, you need to ensure you're calm and collected. If not, you have to allow yourself time." "In order to solve the right problem, you must discover the truth. Without truth, your actions will be based on assumptions which can be a recipe for disaster." VALUABLE RESOURCES Mark Homer ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk https://www.nigeltbest.com/ co.uk

In this episode of the Invest In You Podcast, Fredrik interviews Nigel Best and Ray McLennan. Today, the serial entrepreneurs discuss raising finance and how both Ray and Nigel are investing in themselves. Discover how they decided to jump into business together and also what they get from working with each other and how they raise finance. Nigel is a property investor, business owner, dad, and husband. He does a lot of things and tries to get the most out of life. Ray helps people find money for business or for property projects. He also has a few property projects of his own on the go. Tune in today to learn about investing in oneself and what stops one from doing so. KEY TAKEAWAYS: Learning. Where it starts for people is when they have an interest in something. If somebody develops an interest, if you develop an interest in personal growth or if you develop an interest in teaching and training or whatever, you can go out there and start finding that information. And one thing leads to another lead to another. And they've actually scientifically proven it. If you give a person a book that's of interest to them, the pupils actually dilate which they open up to take in more information. And if you're teaching other people that subject, you'll learn quicker. How to raise finance? Scarcity mindset. There's no shortage of money. People need to realize that. A lot of people can have a scarcity mentality. Thinking, Oh there's not enough money out there. Or Oh there's a recession on... Not true. There's more money in the world than there's ever been. Self-sabotage. Without skills and knowledge, all they gonna do is sabotage themselves. People have to work their way up. They channel. So when it comes to raising finance, you have to be realistic about now. Example, if you are thinking, I'm gonna do a commercial conversion and I don't have this experience, you can join and venture with someone who does. So, you can fast-track your way to that experience. But if you try and do it yourself, you run the risk of self-sabotage. Fear. This fear that there isn't enough money. This fear that the deal of the century only comes along every hundred years as opposed to every day. This fear of what we were talking earlier, and we were saying one of the biggest that holds people back is actually asking the question, would you lend me some money? Would you like to jayvee in this deal? Would you like to invest in this project? These very simple things now when we debated what was the reason, it's probably we're a product to the system. so, it's been highly structured for many hundreds of years, where we are predominantly shackled by our way of thinking. The concert pianist story. After the concert, they’re having drinks and someone would say to the pianist, I'd give anything to play the piano like that. And she turned and looked him straight in the eye and went, oh no you wouldn't. No you wouldn't. You wouldn't give anything because you've had your chance. You had piano lessons and you gave it up. So, you didn't. So, there comes a point in most people's lives you would imagine where there's a crossroad, there's a junction, there's decision to be made. It's the same when you invest in yourself, it's a never-ending process. Risk. Risk is risky if it is unknown. Just turn on the light. The internet is free. It's all there but why don't we do it. Atomic Habits: Tiny Changes, Remarkable Results. By James Clear. The idea on that is to do granular tiny change each day. This invest in you never stops. And we're always seeking ways to make a lot of changes. Incremental change. Tiny little changes on a daily basis. This invest in you doesn't have to be expensive, difficult, big, it can be tiny things. You don't have to be an expert. You can become an expert in something quite quickly by just a few hours of research. That's all it takes. It's very difficult to jump up 10 flights of stairs in one step. You got to take each step as it comes. When you open up your mind, you realize that you can choose to react to anything however you want. And you don't have to follow any other person. You can choose to do it yourself. Doing it. It is better to make a decision even if it's a wrong decision than to make no decision at all. At least you learn something. You learn something by doing it. It is not the thinking about it that matters, It’s the actual doing it that you will learn. Mentality. We are mentally obese because we fill our head with the equivalent of junk food. And I think that we need to get into at some sort of fitness regime for mental health fitness which is taking things in. Surround yourself with like-minded people. Surround yourself with inspirational people. Avoid the negative media. Don't get suckered into petty arguments of and joining in. Advice: Every morning and every night express gratitude for at least 3 things. Do that for the next week and you will see a completely different change in your mood. Advice: If you find yourself in a situation where normally you would be very negative about it, for example, road rage or something/someone cuts you up, just choose to pause and smile and wave and not judge them or anything like that but just relax yourself and don't rise to any bait... just choose to react differently. BEST MOMENTS: “I think it has to do with having an open mind. And if you have an open mind, there are no barriers. There's no ceiling. There's no limit. You learn something all the time. You think you know everything. All you have to do is watch a few quiz shows on tele, you realize how much you don't know. There's never an end.” “You are aware that you are walking down a corridor but no one's pointed out or you haven't realized just how many doors there are. And how many doors you haven't even tried to open to see what's behind that door. And then suddenly when you are almost when you become conscious and you are working on all these things, you are suddenly aware of how many doors are up. You are suddenly aware of how easy they are to open. And when you peer inside you realize, it is a whole new world that you're completely unaware of. And how much more there is to know. so, you almost need a hundred lifetimes to  kind of experience everything that's out there.” “It's a bit like washing or shaving or personal hygiene. You don't have to do it every day but it helps. And it's the same when it comes to investing in your self, you don't have to do it every day but it really does help.” “A great way to invest in yourself is to teach others. You have to invest in yourself so therefore you are worthy to pass all the knowledge to other people.” “Churchill. Give a man a label, and he'll live up to it or live down to it. And I think that's what we're doing.” ABOUT THE HOST Serial entrepreneurs Fredrik, Charlie and Ivan Sandvall love sharing ideas and interviewing world-class entrepreneurs and influences. Invest In You is about investments, entrepreneurs,personal development and doing fun things. They hope to ensure you to take action, helping others and yourself, plus enjoying the journey we call life. CONTACT METHOD Fredrik Sandvall fredriksandvall.com linkedin.com/in/sandvall/ https://www.facebook.com/FredrikinLondon/ Invest In You Facebook Page Charlie’s Youtube Channel: https://www.youtube.com/channel/UCRYA8B8P29M- OzUrpfiP5Iw ABOUT THE GUEST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

Ray gives a fascinating insight into his professional journey. He discusses aspects and personal examples of mindset, training and strategy that have contributed to his current expertise and contribution to his “skills stack”. Ray encourages the audience to think carefully about what we can do to progress successfully towards our chosen goals and some of the reasons that may block us from moving forward and how to make changes. KEY TAKEAWAYS Mindset is key to changing your outcomes and achieving goals. Everytime we don’t do anything our goals actually move further away. There are ways of ‘dialling up your successes’ to move closer to your goals. The Principles of gestalt, the often overlooked principles connected with how the brain seeks to make sense of chaos. We view things and possibilities connected with our skills and expertise for example following a course on property conversion we will see the possibilities for conversions all around us. The importance of continuing to develop our expertise and knowledge supports the journey of success. A clear vision and understanding your values are key drivers for success. High net individuals are always able to articulate these and frequently revisit them as part of their routines. Knowing what you want and where you are going to be Mentoring - working with others is key to moving things along. It’s important to belong to groups with people who are in the same work arena as you. Working with other people means they can both hold you to account and can offer support this is key to moving towards your goals. The use of a best self Journal is evident amongst high net individuals. It can take different formats but enables individuals to effectively document goals, their vision and things they are grateful for. The process of expressing gratitude for what you have is vital in changing mindset. If you are expressing gratitude for something you have then you are not dwelling on things you do not have. BEST MOMENTS “If anyone tells you there’s a get rich quick, there isn’t, it’s small increments - little steps that turn the dial-up” “Each time you don’t do something it’s (your goal) moving further away” “They see things you don’t see because of their skill and knowledge” “We are creatures in a community” “Biggest change in my life, joining the mastermind group” “Small step towards goals each time you do something different” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.

In this episode, Ray and Nigel discuss the varying influences on investors and developers in connection with the impending withdrawal of the UK from the EU. They explore a central question of Brexit – uncertainty,  in connection with raising money, along with the possible opportunities for investors and developers. Ray and Nigel offer an insight into aspects of supply and demand in the property sector and discuss why demand will continue to grow. KEY TAKEAWAYS There will always be world events that create uncertainty. Business want to plan forward and some may use Brexit as an excuse but there were events prior to Brexit and there will be events in the future, there will always be something. Some see the uncertainty about Brexit as an opportunity especially with the underlying factor of 101. Economics 101 - demand and supply. The number of households in the UK is increasing and there is a shortfall of property. A household is defined as a person or persons requiring somewhere to live. Households are changing, with an increase in smaller households, driving the demand for more property. Statistically, the amount of land built on in the UK is very small but the amount of brownfield sites and the potential for development is huge. The section 24 tax changes mean that some portfolio landlords are cashing in and the evidence in some parts of the country indicts that rents are going up. In the podcast by Mark Homer ‘Mark my Words’, comments that as a landlord with a large amount of property in the Peterborough area he has seen an increase of 25% in rent during the last two years confirming the demand is there and rental returns are still strong. The supply of money is good, there is a lot of money out there and the price of money has come down. Big banks are trying to encourage seasoned developers and individuals who know what they’re doing to increase the supply. Businesses think it will be hundreds of smaller developers who will solve the shortage problem and so are keen to invest in the property sector. As lende,rs this sector continues to offer good opportunities to make money. There is too much that people value highly about the UK for Brexit to make demand disappear. Best Moments “Everything goes in cycles, always has done” “Strong demand to live here, so strong demand for somewhere to live” “People still want to make money, Lenders still want to make money, they are not going to shut up shop” “In property the demand is there” “There is too much that people value too highly in the UK for that demand to disappear” “Those that have gone for it are way ahead of the curve and they then take up the market they’ve got the capacity, they can flex, they can take things on and the person who’s delayed loses out” “Statistically the amount of land built on in the UK is very small” “Amount of brownfield sites out there huge” “If the proposal stacks up, like anything else you’ve got the crest model” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ For other podcast episodes mentioned: http://howtoraisemoney.co.uk/category/podcast/ ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have foc

Welcome to another episode of the How To Raise Money Podcast. In today’s episode, Ray and Nigel discuss the investment clock, macroeconomics and if now is the right time for you to invest or simply raise finance. No matter what sector, region or market you’re in, you can analyse your situation on the investment clock. Hear Ray and Nigel discuss the pros and cons of evaluating the investment clock and the fundamentals of the UK property market when it comes to investing in property in today’s economic climate. Learn how to research your market sector and predict the changes in the market. Economical changes usually happen at the top so you can see it coming. KEY TAKEAWAYS The Economic & Investment Clock Boom (22:00 - 00:00) Rising Overseas Reserves Easier Money Rising Real Estate Values Slow Down Area (13:00 - 15:00) Rising Interest Rates Falling Share Prices Falling Commodity Prices Recession (16:00 - 18:00) Falling Overseas Reserves Tighter Money Falling Real Estate Values Recovery (19:00 - 21:00 Falling Interest Rates Rising Share Prices Rising Commodity Prices The clock is always pointing at a different time depending on what sector you’re in. Everyone’s clock, both individual and in business will look different from one another. The investment clock is also regional and can be evaluated at different levels of the economic scale. For example, you can look at the investment clock just in relation to property in London in a particular area. We are not in a slow down, we are not in a recession we are probably moving into a period of boom. This time around there is more private money in the system and more vehicles to move investment around different sectors. Right now in the UK, we have a shortfall of hundreds of thousands of houses each year, it’s supply and demand. This is due to the changes in what determines a household. No longer does a household contain the nuclear family, the of a household has changed over time. Due to the ageing baby boomer population, there is a demand for more housing. This demographic is closing in on retirement and as a result are purchasing more property, such as one bedroom flats. BEST MOMENTS “The thing with property is, you don’t make money when you sell it, you make money when you buy it” “If you want an excuse not to do something, they’re easily found” “Put the headline economic news into perspective” “Macroeconomics looks at individual sectors, the investment clock analyses the whole market.” “The best time to invest was yesterday” “There are two times to plant a tree, twenty years ago, and today” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ Howtobeomeanangel (website) Darren Sherlock - Economist ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit!

In today’s episode, Ray and Nigel discuss how to raise money and the obstacles you may need to overcome to secure investments.  The hosts also delve into the many messages they’ve received and answer some of the most frequently asked questions by the How To Make Money community. KEY TAKEAWAYS The minimum and maximum figures an Angel will invest depends on the business, and three key factors; you, your deal and what the Angel’s position is. Larger investments don’t happen quickly. Even crowd-funding, which appears on the surface to be a rapid solution, can take months of preparation.  Ensuring compliance and promoting the project takes time. Tempting investors with all the information they need beforehand means that when it goes live, they are ready to jump in quickly. The cost of cash depends on the security of the investment among other factors, such as risk, projected returns and length of time. The Angels Den deals mainly in Sterling as their investors are predominantly UK based To secure investment, it helps to do a lot of groundwork and also work closely with the solicitors and banks that will be handling your business. It’s been known to cause problems when large amounts of money suddenly appear in accounts, so it is vital to build and maintain those relationships, so that the Know Your Client (KYC) model that they follow works in practice.  Keep them informed at every stage of your project. BEST MOMENTS  “If it’s your first deal, bank on it taking two or three times longer than you think it will, but previous success accelerates future deals” “When Crowd Funding goes live, there’s already been a lot of work done behind the scenes with promotion through Social Media and email campaigns, along with a lot of compliance.” “First timers will have to go through a lot of hoops to tick all the boxes for solicitors to take them on as clients.” “Keep your bank informed from conception of the idea, all the way through. Listen to Episode #020 where we covered High Street banks.” “Learn more about the CREST model [touched on in this episode] by listening to Episode #007.” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ For other podcast episodes mentioned: http://howtoraisemoney.co.uk/category/podcast/ ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD ray@raisingangelfinance.co.uk maria@raisingangelfinance.co.uk howtoraisemoney.co.uk nigeltbest.com

Welcome to another episode of the How To Raise Money Podcast. Tune in today to hear Ray and Nigel discuss Receivership, Bankruptcy and County Court Judgements and how you can secure investment, even if you have a bad financial track-record or a history with financial difficulty. Your hosts respond to popular demand to answer questions from the How To Raise Money community and provide you with the proven reassurance that anyone can raise finance, start a business and secure investment, if you know how to do it. KEY TAKEAWAYS Just about everyone who you see on TV or present themselves as successful entrepreneurs have been through tough times surrounding finance and financial history.  Even Richard Branson has famously been involved with companies that have been through receivership and bankruptcy. Ensure you are always honest and make your investors, angels, dragons and whales aware of your background, how you got there and remind them of how you will make them money. If you’ve had receivership or bankruptcy against you in the past will it hurt your chances of securing investment? The short answer is No. Depending on the business or investment opportunity investor may invest in you, as the investor and crucial to the success of the deal. Or they may be investing solely in the proposed opportunity and the product or service the company is creating, and therefore your personal history is less relevant. Past mistakes can be dealt with and forgiven. Remember that everyone has at some point had struggles financial. You just need to make sure that your investment opportunity offers an attractive security agreement. Receivership: In law, receivership is a situation in which an institution or enterprise is held by a receiver—a person "placed in the custodial responsibility for the property of others, including tangible and intangible assets and rights"—especially in cases where a company cannot meet financial obligations or enters bankruptcy. Bankruptcy: The legal status of a person or other entity that cannot repay debts to creditors. In most jurisdictions, bankruptcy is imposed by a court order, often initiated by the debtor. BEST MOMENTS “Nobody likes to find out further down the line, don’t keep it a secret” “Investors deal with entrepreneurs seeking finance with track-records both good and bad” “There’s always three sides to every story, your side, their side and what actually happened” “Everything you read in the press is exaggerated and a bit of a story” “Company law is UK wide, it’s not a devolved matter” “Be transparent and do your due diligence weather your and investor, or the one seeking finance” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ CCJ (County Court Judgements) IVA (Individual Voluntary Arrangement) ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangel

In today’s episode, Ray and Nigel discuss the 8 things they’ve learnt over the first 30 episodes of the How To Raise Money Podcast. Tune in today to listen to your hosts dive into previous episodes of the UK’s #1 finance raising podcast and hear a recap of the best moments yet. PLUS, look forward to hearing more from the guys over the next 40 episodes! of the How To Raise Money Podcast, including interviews with successful Dragons Den winner Levi Roots, HouseCrowd’s Fraser Fearnhead and the Bank of Scotland's Ross Mckeown. KEY TAKEAWAYS Time - How to plan and how time flies. It takes longer than you expect to raise finance and you, therefore, must know the systems, processes and sources you can tap into to secure investor finance. Technology - Some of the cleverest things are sometimes the smallest things. Look forward to a future episode where Ray and Nigel interview head of property crowdfunding platform, HouseCrowd, Fraser Fearnhead. Team - There’s a team of people that help to raise finance and a team of people that help to screen investors, but also a team of people that help to create this podcast. When you’re raising finance to be sure to get educated before you do it. Talent - The people that we’ve met and their reasons why, we’ve interviewed Nigel Primrose, Jim Duffy and Jack Black and they’re always bringing something to the table that improves yourself when looking to raise finance. #008 Interview with Nigel Primrose Tenuous - The link to raising financing isn’t always strong but Ray and Nigel have fun doing it and help to create an environment where learning to raise finance can be easy to learn and entertaining to follow. Trust - Pulled from the C.R.E.S.T model covered in episode #007, Ray and Nigel remind you to be careful with your trust because it can be hard to build up and easy to lose and trust is important to investors and can be the winning factor when pitching for finance. TeaTime Tips - Ray and Nigel are considering re-introducing teatime tips, short sharp shots of information you need to know. Fun - Overall Ray and Nigel have enjoyed the first 30 episodes of the How To Raise Money Podcast and there’s lots more to come. Raising financing is simply if you follow the steps and systems for success. BEST MOMENTS "Put an immovable date in the diary, make it a non-negotiable and make it happen" “If you can understand how people think, and put everything together in a deal, everyone benefits.” “We also use technology to pre-qualify our investors to find out more about them, what they can offer and what they're looking to achieve” “A strong team is more likely to help to achieve what you want to achieve” “It’s amazing how little people value what you’re good at” “If you want something to last a long time, you have to build up trust” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ http://howtoraisemoney.co.uk/ https://www.thehousecrowd.com/about-us/team How To Raise Money Podcast #037 All about timing #008 Interview with Nigel Primrose #024 Freestyle discussion about debt & beggars #007 The C.R.E.S.T Model #026 Interview with Jim Duffy #022 Why Would an Investor Want Me ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a

So, you’ve approached an investor and after some talks, it is finally ready to seal the deal. In today’s episode of How To Raise Money Podcast, Ray lays out 10 essential items you need to look into when arranging a deal with your investor. There are things that could slow down the deal and you don’t want that to happen. Discover how these will help you not just speed up the deal but also go through the deal smoothly and trouble-free. If done properly, you can ensure that you’ll be raising money for your business in no time. KEY TAKEAWAYS Due Diligence. What slows it down is not having anything available and what speeds it up is having everything available and accessible. To speed up information, create a data room where you could check the activities of the users. Properly name files. Market Research. Create a properly named file with the current date for the investor to be easily understood. Avoid the mistake called ‘Chinese hat theory.’ Chinese hat theory – There are 7 Billion people on the planet, you’ve worked out that 1 Billion wear a hat on a daily basis, so you decided to sell hats since a portion could buy your hat, you're going to make money. This is wrong. Competitor Analysis. Identify your competitors locally and even globally. What makes you different? Why does every competitor copy you? Show your investor how and why you stand out the most among your competitors. Management Team. Know and trust your team. Be brutally honest with them. Though there are many external happenings that will affect your business – Brexit, elections, etc. – you have to have to have a plan in place for the future. Make financial assumptions. Put in best-case and worst-case scenarios. You want to value it as high as you can but investors would look at it differently. To speed things up, ask around how private investors value company in your area and prepare arguments to get the value you’re aiming for. How is it going to be run? You have to be clear who’s going to run it after the investment. Is it just the money or is it more than that you’ll get from the investor? Good Leaver, Bad Leaver. There might be a disconnect between what the investor wants and what you want. The investor might leverage his money to play a big part in the decision-making even though you already have the vision in place. Look at long-term objectives. Negotiating the exact terms of the deal. Negotiate head of terms in conjunction with the solicitor. It will be easier, cheaper, and better for everyone. Find out early as much as possible what the investor wants. Warranties & Indemnities. This is what the investor is looking for firsthand to protect his investment. Be careful about how you structure these. BEST MOMENTS “You need to put down your best calculations as to where you think the business is going to go and what you think is going to drive you forward.” “The rule of thumb: for every pound you spend, you want to increase the value by 3pounds.” ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk nigeltbest.com www.howtoraisemoney.co.uk

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, Ray responds to popular demand to discuss sophisticated investors and high net-worth individuals and how you too, can use his six-point checklist to help identify the sophisticated investors you’re seeking to secure finance from. If you’re looking to raise finance or are frightened of making mistakes when approaching investors this episode is for you. Ray dives into the complete list of checks, that you need to make in order to agree a deal and seal investment. KEY TAKEAWAYS Six point checklist to identify a sophisticated investor or high network individuals. If it is a simple loan or a straightforward transaction the person does not need to be a sophisticated investor for you to work them. However, if you’re offering a share of the profits you are straying into regulated territory and will there forward need to follow this checklist. Do they have a salary of £100,000 a year or more? Do they have £250,000 or more in assets (not including the family home) Are they already a professional investor? A stockbroker or investor involved in finance with a certain level of knowledge around investing? Are they a bonafide investor, angle or dragon already? This could include the investor being involved in boards or forums. Are they directors of a £1 million-plus limited company? Are they a family member or a long-time personal friend? Always remember, the burden of proof is on you, as the person looking to secure investment funds and the poof they give you will need to be kept as part of your due diligence. PS133 FCA (Financial Conduct Authority) place restrictions on the marketing of unregulated investments to members of the public. This is to help you identify a good deal from a bad deal, to protect investors and those seeking investors. BEST MOMENTS “Don’t assume someone is a sophisticated investor” “High Networth Individuals - Individuals holding financial assets with a value larger than £500,000” 360,000 High Net worth Individuals In London 395,000 High Net Worth Individuals In New York VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Companies House ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

Jim Duffy co-founded Entrepreneurial Spark in 2011 with the aim of creating an entrepreneurial revolution across the country. As a best-selling author and entrepreneur, Jim went on to help persuade the Scottish Government to establish the Edge Fund, a £1m award scheme for start-ups. In today’s inspiring interview, your host, Ray ask Jim for his best advice and insights into how to raise money and scale start-ups. Discover how to read people, live by a disciplined code, act empathetically in nature, operate gladiatorial in business and never take your eye off the ball. Learn how to focus on the people behind the business, and the mindsets and behaviours needed to take your start-up to the next level. Tune in to the How To Raise Money podcast to hear this exciting interview. KEY TAKEAWAYS Entrepreneurial Spark is the world's largest free business accelerator offering business support to start-up companies. Founded in Glasgow, Entrepreneurial Spark is funded by private capital, contributions from public sector organisations, and corporate sponsorship. Jim and his co-founder Brian McGuire have helped more than 100 people set up their businesses. Between them, those businesses are creating jobs, earning money and establishing themselves. Ray: What do you think the main obstacles are when it comes to scaling business startups? Jim: Entrepreneurs have an unrealistic expectation around managing cashflow and dealing with money. The biggest thing nowadays is that entrepreneurs need to educate themselves on understanding money and how to manage finance. As an entrepreneur you need to be accountable and know your numbers, otherwise, your investor will bring in their own guy. Ray: What advice would you give to someone looking to scale up their business? Jim: If you’re looking to scale you must have a business model that works, you must understand the investor's money in order to secure finance. If you are looking to secure investment you need to communicate with them and bring them on your companies journey with you. BEST MOMENTS “I told the banks if they wanted to invest, they’d have to move right away” “Having a good pitch is essential when looking to raise finance and you must have a great follow up to make sure you can secure investment. It’s important not to lose sight of the goal and respect the whole process of raising finance, not just the 3-minute pitch.” “It’s about the mindset and skill sets of entrepreneurs,  applied to normal people’s lives.” “Create something new and disrupt the landscape of entrepreneurs.” “Pitching with passion led me to become successful, learn from every question and that will help you in the future.” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ www.entrepreneurial-spark.com/ Create Special: Think and act like an entrepreneur to change your life - Jim Duffy Jimduffy.com ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

In today’s episode, Ray interviews Jack Black, one of the UK’s top motivational speakers, successful author and founder of business and personal development company Mindstore. Ray and Jack discuss the value of a positive mindset and how with just a few simple techniques we can take action, be successful and achieve our goals in life. Discover how Mindstore’s simple teachings can make a profound difference in your life and inspire you to take action and create the future you envisage in your mind. Learn how to harness the power of your mindset and attitude and train yourself to succeed. Ray and Jack dive into the subconscious mindset in this thrilling episode and show you how simple changes, a positive dialogue and the perception of coincidence and lead to magical things and make you a winner. KEY TAKEAWAYS Ray: Can you tell us a bit more about Mindstore? Jack: Mindstore is all about helping people achieve the most out of their lives using five techniques: Managing Stress - the consequences of managing stress incorrectly are worse now than ever before. The attitude - Creating a positive mental attitude. How we see the future - Most of us see the future based on our past results. As a result, we create mundane unambitious goals, we need to set ourselves high goals. How the brain actually works - Simply considering both the left and right side of the brain and how this affects our decision making. Managing emotions - particularly when it comes to spending money. Ray: Are there any tips to convince people to take action? Jack: Great question, culturally the norm in this country is not to thrive and not to be the best, most will put it down to lack of resource. Every day and every moment we are envisioning our futures and creating our own internal dialogue. The problem is that people don’t convince themselves to take action, they don’t believe they can be successful and most likely don’t have the right goals or can do attitude, the vast majority talk a good game externally but not internally. You need to have a positive mental attitude and ability to action your thoughts. Everybody gets it intellectually but you actually need to live and breathe it in order to achieve what you want. Once you commit to something and really decide you want to succeed at it, the universe will draw you to it. What you perceive as coincidence can lead to magical things, you have to embrace it. BEST MOMENTS “The greatest gift in life is the ability to think great thoughts and to have the strength to take action when others dream” “Create a clarity and get clear on what you want” “love the fact people can take these simple tools and make a real difference” “Everybody gets it intellectually but you actually need to live and breath it.” “There’s something very attractive about someone who knows what they want” “Every day and every moment we are envisaging our futures and our dialogue will cause actions copiously and unconsciously” “Your mind holds the power for you to be successful.” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Mindstore: The Ultimate Mental Fitness Programme www.mindstore.com Scott Adams - How you fail at everything and still be successful ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

Ray and Nigel enter into a thrilling and thought-provoking discussion about the morality of debt, beggars and wealth creators. Get inspired by this freestyle episode of The How to Raise Money Podcast. To answer the question; Do you feel bad about getting people into debt? Ray and Nigel explore the realities of both good debt and bad debt and how investors and capitalists (while not perfect) generate finance, cashflowing assets, and job opportunities by following the wealth formula. The word debt describes a whole myriad of words and brings about a host of problems both morally and physically, but in truth debt, begging and raising money is all about mindset. Creating wealth, being in control and becoming a custodian of money is all about the attitude you have and is usually taught by observing the person ahead of you. Investors by definition are making money, so they’re doing something right. Governments hemorrhage money and their only solution to generating money are to increase the tax burden.   Tune in to this enthralling episode of The How To Raise Money Podcast to find out more. KEY TAKEAWAYS Good debt is you are purchasing assets that will appreciate in value and generate a cash flow Bad debt is consumer debt, assets that diminish in value Ray, Nigel and the How to Raise Money community aim to create good debt and find investors that can help create cashflow, jobs and appreciating assets. Capitalism is so far the best that we’ve got. Socialism works if there are enough capitalist to pay for it, because someone needs to create jobs and create wealth. Governments don’t produce anything and money has to come from somewhere, it comes from the wealth formula. Creating a product or service that consumers what to buy and therefore a tax is paid. There’s a difference in theory and practice, wealth creators go out there and do it, they create wealth. It’s a mindset business and in reality, the best way to serve those in need and those in debt is to approach the welfare problem one person at a time. Investors, whales, angels, and dragons generally all set up a foundation or fund to help others, it’s a more direct way to giving back. BEST MOMENTS “A lot of people are against the capitalist route, but is there a chance for philanthropy further down the line?” “All the government services are consumer services, they don’t produce anything.” “It’s in the doing that you will find the magic, it’s in the doing that you will make the money. Not in the theory of it.” “In theory, Socialism sounds fantastic, but you then get into the issue of freeloading” “Desperation costs money” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Zig Ziglar - “If you took all the money in the world and distributed it evenly among everyone in the world it would eventually end up back in the hands of those that had it originally.” Robert G. Allen - The Challenge ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your cus

Welcome to another episode of the How to Raise Money Podcast. Today your hosts and raising money experts Ray and Nigel discuss what it takes to be a sophisticated investor. Learn what to look out for, and what to be aware of when searching and seeking investment from a professional investor, angel, whale or dragon. Ray and Nigel urge you to do your due diligence and understand how to identify a casual investor from the professionals. Hear the easy criteria you can follow if you’re looking for equity investment and an investor you can trust. Ray discusses the simple tips and tricks you can use to help fast-track the process and ensure you’re dealing with a bonafide investor. Learn how to create a one-page checklist for the investor to self-certify and legitimise the deal. KEY TAKEAWAYS A large percentage of an investors money could be taken by the gatekeeper, the manager. This can be up to 7% but ensures the investor in question is legitimate. The person seeking the funding would be required to pay the fees. Criteria for a Sophisticated Investor Salary of 100,000 proven by payslip or proof of earnings Must have 250,000 or more in investment assets that do not include the family home Professional investor, stockbroker or fund management history Director of a limited company with 1 million plus in turnover BEST MOMENTS   “A car is never a sign of wealth” “A loan is a totally different form of finance lending and therefore would require different checks, covered in an upcoming episode”   “The burden of proof is on you to establish. It is part of the due diligence you must do if you are looking to secure investment from a sophisticated investor” VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Companieshouse.gov.uk FCA Regulation Nelson Gray - Angel Investor   ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

Welcome to Part 2 of the two bonus episodes on Pathway to Sleep! Note: This is a practical exercise of what was learned from Part 1. This involves relaxation so make sure you’re not driving or doing anything that needs your high level of awareness. And, if you haven’t listened to the first part yet, do it now. You’ll be able to learn how to construct your sleeping quarters in your mind above others. Let the voice of Ray guide you to full relaxation on today’s episode. Find your sleeping quarters. Be relaxed. Let’s start! KEY TAKEAWAYS Practice this sleep exercise to get the best out of your sleep. Find a comfortable place where you could the sleep exercise. Just lie down and enjoy the silence. Clear your mind. Go find your sleeping quarters. Find a place from your memory or a dream that makes you feel comfortable. Relax your body. Feel the tension and slip away. Release the tension from your muscles. Take deep breaths. If thoughts are still coming in while doing it, brush it away. Have firm thought that you’re about to sleep so you’re going to sleep. VALUABLE RESOURCES MindStore: The Ultimate Mental Fitness Programme by Jack Black ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk https://www.nigeltbest.com/ Howtoraisemoney.co.uk

Lie down. Close your eyes. Relax. Then, Sleep. On today’s bonus episode of How To Raise Money podcast, Ray discusses on how you could get deep sleep at night. Sleep is very important. Ray can’t emphasize that enough. You don’t need external influences like that chamomile tea or the sound of the rain to get you to sleep. You just need a technique that will work for you. From reading Jack Black’s MindStore: The Ultimate Mental Fitness Programme, Ray was able to adopt a sleeping technique of constructing his own sleeping quarters in his mind. Ray will be sharing the techniques he uses, find out now if it might be effective for you. Watch out also for the second part of the special bonus episodes! KEY TAKEAWAYS Go to sleep without an alarm clock. Program yourselves to wake up early. We've tried it with a room at least 50 people, they go off and give me guarantee that they will wake up on time. Different feedbacks. The study's purpose is to show how important sleep is and how quickly you can adapt to new sleeping habits. If you can control your brain properly, you can control your sleep. It's clearly in the mind. If you do positive self-talk, positive things happen. If you do negative self-talk, negative things happen. Construct a house in your mind and in that house, there are sleeping quarters. This is an effective technique to get deep sleep from the book of Jack Black. Choose an imaginary sleeping quarter that's somewhere you can be comfortable and relaxed. Have a blank wall where you'll put your opportunity clock that will tell you when to wake up. Getting to sleep is something you do without any external influence at all. You don't need a music playing by your bed. You don't need to take a special tea. There are techniques that when put in a structure will work for you. Find a routine that you'll get used to. If you wish, before you sleep, you can read your short-term and long-term goals to be motivated for the next day. There's a different rhythm in your brain activity when you sleep. During the day, left brain logical reasoning becomes dominant. When you sleep, the right brain has its Beta waves are dominant in the morning and alpha-theta is responsible with your subconscious at night. You need to have sleep. It's crucial to your health. There are massive health benefits. You reset and feel energized after. Don't take it for granted. Find a way to make it work for you. BEST MOMENTS "It only works if you only do it." "Sleep is very very important. Without a good night sleep, it can impact the whole rest of your life." "Your brain can only process one conscious thought at a time." VALUABLE RESOURCES MindStore: The Ultimate Mental Fitness Programme by Jack Black The first and greatest victory is to conquer yourself; to be conquered by yourself is of all things most shameful and vile. - Plato ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk https://www.nigeltbest.com/ Howtoraisemoney.co.uk

Welcome to another episode of the How to Raise Money Podcast. Today your hosts and raising money experts Ray and Nigel talk about what an investor looks for when choosing to invest. The type of person, the personality and the characteristics needed, to attract JV partners and investment finance. All whales, dragons, angels, and investors are looking to invest not only in upcoming projects but in the people who carry them out. Ray and Nigel bring you the five things you need, in order to be the ideal investment opportunity and answer the question many of you have been waiting for Why would an investor want me? KEY TAKEAWAYS Time - Investors are often short on time and If you have time available and can make investors money work for them. Interest rates are eroding money away in the bank, therefore investors will look to leverage others time in order to invest and manage their money. Expertise/Experience - If you have expertise in an area in which an investor is looking to invest, you have credibility. If you can demonstrate you have the experience to manage a certain project, investors will value that highly and you will be trusted with other people's money. Energy - Do you have the energy, drive, and determination to turn an investors money into a profitable investment? Energy and enthusiasm can make a big difference in overcoming obstacles Contacts -  What does your power team bring to the table? Who are the people around you that can help you to get the job done and the project completed? Investors value your contacts and your phonebook highly, as this can bring in off-market deal opportunities. Need or Desire - You may have a compelling need to make this work, you need to align your vision and values with the investor to secure investment. BEST MOMENTS   “Credibility is the cornerstone, the foundation of a deal” “You can’t beat face to face contact, don’t underestimate your contacts”   VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years, Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk Nigeltbest.com

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your hosts Ray interviews Angel Investor, entrepreneur, owner and executive director of 9 companies and wealth creator Chris Jones. Ray and Chris dive into the essential need for due diligence in business. The purpose of due diligence is to ensure if you are putting time or money into a company or looking to acquire a company that everything is out in the open and you are aware of all the information before making a decision or taking action. Listen to this episode of the How To Raise Money Podcast to find out more about due diligence and you too could save thousands, simply by doing your due diligence. Discover the 40+ points Ray and Chris discuss and the tips and tricks you can implement in your business right away. KEY TAKEAWAYS Warranty -  a promise that something in furtherance of the contract is guaranteed by one of the contractors, especially the seller's promise that the thing being sold is as promised or represented. Indemnity - security or protection against a loss or other financial burden. security against or exemption from legal responsibility for one's actions. Due Diligence Checklist Target Company Buyer Seller Warranty Indemnity Completion & post acquisition matters Control the bank account Key employees Completion board minutes Share purchase agreement Other agreements Loan notes Loan register Taxation undertakings Stock transfer forms Disclosure letters Letters of undertaking Compromise agreements Power of attorney Capital allowances Unclaimed R&D tax credits BEST MOMENTS   “The one thing you need to ensure you do is control the bank account.” “Be clinical with who needs to go and who needs to stay, find out who are the key employees and who will run the company for you. More often than not it will be the middle management who have the vision and drive to push the company forward.” Share purchase agreements are boring, although vitally important. You must read them three of four times as there may be hidden rules that could affect your voting rides. Look out for class A and class B shares.” “There is a surprising amount of things that happen in business during the day that can put against R&D tax credits.”   VALUABLE RESOURCES https://www.angelsden.com/en-gb/events/ Chris Jones - Chris.jones@nbv-ltd.co.uk ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

In podcast #15, you’ll hear: Bill Morrow, the co-founder of the online investment platform Angels Den and who has been described as “the most influential person in alternative finance in the UK today”, explaining how early mistakes eventually led him to understand what investors are looking for and what motivates them to invest. Jonathan Jay, founder of The Dealmaker’s Academy, sharing more key negotiating skills you’ll need to be an effective dealmaker Peter Kiddle, business turnaround expert and the Chairman of Business Transfer Agent Ltd., discussing the deal he successfully brokered to sell one of Jonathan’s businesses and what made it unusual.Peter now divides his time between consulting on company turnarounds and selling training companies for clients. Listen to find out: Why a shareholders’ agreement is absolutely What really motivates investors Why it’s a mistake to assume investors are interested in your projections The real reasons angel investors agree to invest Why women make fantastic investors Why you should consider offering a seller an anti-embarrassment payment How to persuade a seller to work as a consultant for the target business How to sweeten a deal to get sellers onside Why you should offer a deferred period of five years and work backwards How to avoid arguments about the value of the business How Peter Kiddle secured a buyer for one of Jonathan Jay’s businesses How Peter found a replacement MD then introduced him to venture capitalists who funded the deal How to win over an owner-manager to buy the business Why Peter bought a business that had just lost £1 million Why you should consider buying a business with problems How Peter turned the loss-making business around in 12 months, so it made £350,000 profit How Peter constructs deals How he expects to achieve his goal of making £15 million in three years     Follow or connect with Jonathan on LinkedIn https://bit.ly/2S3Xzxw Watch our YouTube Channel The Dealmaker's Academy https://bit.ly/3b86OFI Visit us online at www.thedealmakersacademy.com Episodes of Business Buying Strategies are available on iTunes, Spotify, Google Play, Stitcher and Breaker. Disclaimer: Nothing in this podcast should be construed as legal, financial, tax or business advice. The information is for entertainment only and you should always engage suitably qualified professional advisors. Jonathan Jay, the guest presenters and The Dealmaker's Academy Ltd do not take any responsibility for your actions and decisions as a result of this podcast.

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your hosts Ray and Nigel discuss how to raise money from your traditional highstreet bank and must the myth that banks aren’t lending. Ray speaks to the chief executive officer of a national bank and the head of property to gain an insight into highstreet bank lending and reveal the secrets of how to access the bank's money a little easier. Discover how to get the banks on your side by getting to know their property manager, build credibility and confidence and get the banks lending with a relatively low level of interest. Finally, Ray and Nigel discuss why you should get started right away, even if you haven’t yet found the deal you need funding for and always remember collateral, cashflow and character. KEY TAKEAWAYS The Highstreet banks want three things to secure lending Collateral - Unencumbered property as security for the loan. You need to have a stake in the transaction. Cashflow - To service the loan. For businesses, this will be a monthly repayment agreement, however for property businesses you will need to roll up your cashflow towards the end of the loan. Character - The Banks need to know you’re credible and capable of seeing the project through. Banks seek out direct relevant experience to the project, that you’re attempting to fund. This can be leveraged through a JV or business partner who has a certain set of skills. How to become the go-to investor for property funding: Step 1. Go and see your bank and property manager: Let him know who you are and what you’re looking to do. Step 2. Keep in touch: Stay in contact with follow up Friday and send your bank an email to keep them updated. Step 3. Build up your digital footprint with your bank and become a known investor. The biggest challenge is knowing your client, knowing your credibility and subsequently loan to value potential. Banks will grant funding within 24 hours, however, it takes 2-3 months for the bank to get to know you. BEST MOMENTS   Since the financial crisis of 2007/8/9 banks and lenders have had a bad reputation. Banks will need to know if you have skin in the game Bring in someone with relevant experience in order to get your project funded. Leverage their experience and market what they’ve done. You want to access money as cheaply as you can. Be the squeaky wheel that gets the oil Bank managers always like to piggyback on the success of investors There’s no such thing as an overnight success, you have to get out there and do it.   VALUABLE RESOURCES C.R.E.S.T - Model Angel Investor Events https://www.angelsden.com/en-gb/events/ ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the last 11 years run the family care business. With a 7 figure turn-over and over 100 employees, the role has given Nigel quite a few valuable lessons! Nigel and his wife, have focused more and more on property over the last few years. The latest project is a 20 bed HMO with 12 SA rooms. But in the last few years, Nigel is now helping property professionals understand that social media is a way to increase your customers, get more deals and earn more profit! CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

In podcast #14, you’ll hear: Crucial advice for making your first deal from business investor Paul Green including two key insider secrets that every new dealmaker should know. Bill Morrow, who City AM describes as “the most influential person in alternative finance in the UK today”, explaining how his company acts as an introduction agency for people seeking finance and people looking for investment opportunities. Bill is the co-founder of the online investment platform Angels Den. Jonathan Jay, founder of The Dealmaker’s Academy, describing more key negotiating skills you’ll need to be a successful dealmaker. Peter Kiddle, business turnaround expert and the Chairman of Business Transfer Agent Ltd., revealing how he put his first deals together and about how his business evolved. Peter now divides his time between consulting on company turnarounds and selling training companies for clients. Listen to find out: Why you must discover a seller’s real reason for placing their business on the market How sellers tend to hide the real reason for selling initially and why it is so crucial you discover what it is How a seller’s business partner can unintentionally help you to uncover the seller’s real motivation for selling the business—if you ask the right questions and listen carefully How business brokers and business owners use the same sales techniques as real estate agents and how to see through what they present Why you should always be prepared to walk away from a deal, no matter how good it seems on paper How a business transfer agent works Why Bill Morrow’s business venture works so well The biggest mistake people seeking funding make What business investors really want to know The three reasons alternative investors will provide funding The biggest value that an investor can provide (and it’s not funding) Why so many crowdfunded companies fail within two years The three things you should look for in an alternative funding source Why you should always allow the other party to raise the issue of pricing Why so many sellers have such low aspirations for their business The key difference between a business operator and a business investor Why you should never denigrate a seller’s business (no matter how poorly it’s been run) How to drive a wedge between a seller and his or her broker (without appearing to) The key question to ask a seller about their valuation What you should do when sellers describe the grounds for their valuation Why you should ask who valued the business Why you can immediately reduce a broker’s valuation How to get the seller onside just by asking questions How to make the idea of a consultancy more appealing to a seller How changing tactics helped propel business turnaround expert Peter Kiddle towards huge success The signs that a business is struggling Why you should never let a business owner know that you’re aware of how the business is in difficulty or badly run How slashing overheads helped Peter remove hundreds of thousands of pounds in costs How merging back-office functions with his existing business helped take one company from a £3 million turnover with negligible profits to a £5 million turnover and £1.5 million profits Why it took Peter two years to sell his business for £5 million How the mistakes Peter made helped him to create a business brokerage Why he bought back a company he’d sold three years earlier How to come out on top when dealing with administrators   Follow or connect with Jonathan on LinkedIn https://bit.ly/2S3Xzxw Watch our YouTube Channel The Dealmaker's Academy https://bit.ly/3b86OFI Visit us online at www.thedealmakersacademy.com Episodes of Business Buying Strategies are available on iTunes, Spotify, Google Play, Stitcher and Breaker. Disclaimer: Nothing in this podcast should be construed as legal, financial, tax or business advice. The information is for entertainment only and you should always engage suitably qualified professional advisors. Jonathan Jay, the guest presenters and The Dealmaker's Academy Ltd do not take any responsibility for your actions and decisions as a result of this podcast.

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your host Ray McLennan interviews mentee and serviced accommodation specialist Sandeep live! Understand how to navigate your journey to success and that for some it will be a simple and easy path, but for others, it will be a rocky road. Learn how to remain focused on building your own business and recognise potential joint venture opportunities that can help your current business, whilst also expanding and scaling. Ray and Sandeep discuss two exciting joint venture opportunities and how you too can succeed in property by offloading the tasks that you don’t need to be doing and gain clarity in your life and in business by knowing your vision and values.   KEY TAKEAWAYS The purpose of a goldmine area is that it is accessible, and there is an infrastructure in place for it to be managed. Ensure you can create a yield and room for capital growth. To succeed, you need to be in this for the long run. There will be periods when your low and deflated, but by knowing your vision and values you will prevail through ‘the dip’. Guest satisfaction is critical to the success of your serviced accommodation business, return bookings will turn your business from 15% to 25%. Flood your business with staff now, and you will be ready for your business to grow. Don’t be fearful of growth. Leverage the tasks that are a poor use of your time and hire a VA   Sandeep’s 70/20/10 Rule For Learning Development 70% - Regular property sourcing and long-term Rent-to-Rent agreements that will generate a monthly income. 20% - Networking and looking at larger acquisition opportunities such as hotel and 3*& 4* serviced accommodation units. 10%  - Long view development opportunities, public speaking and writing a series of articles about local developments, whilst also drumming up stakeholder interest in serviced accommodation. BEST MOMENTS   “Most activities rely on people quitting, so the people that stay in can reap the rewards.” “Property is a long game and your opportunities will come.” “You can always joint venture with someone, form a sense of community and be accountable together.” “Work on your business, not in your business.” “Get an emotional boost and connect with like-minded individuals by attending networking events and Angel Investor events.”   VALUABLE RESOURCES The Dip - Seth Godin https://www.amazon.co.uk/Dip-extraordinary-benefits-knowing-stick/dp/0749928301 Angel Investor Events https://www.angelsden.com/en-gb/events/ ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk GUEST CONTACT METHOD Sandeep@arosaproperty.com

Welcome to another episode of the How to Raise Money Podcast. In today’s episode, your host Ray McLennan begins by summing up some of his angel investors most recent deals, including commercial property deals, investment pots and personal funding ventures. Ray reveals the 9 Secrets To Getting Rich and that by learning what the rich and successful people, you increase your chances of success, it’s a combination of things that lead to success. Understand the compounding effect that makes it work and breeds success. Ray explains how to know your values, gain clarity and create a vision by leveraging the 9 Secrets To Getting Rich. Learn how to get more done in less time, outsource everything & create more wealth. Follow what wealthy individuals do and create Multiple Streams of Income. KEY TAKEAWAYS The 9 secrets to getting rich Leverage - If you don’t understand leverage you work too hard. If you understand what leverage is, you can get more done. The Wealth formula - Simple but profound, W = (V+E) X L (Wealth = Value + Fair Exchange X Leverage) Analyse your desire - If you want to be rich, your desire has to be red hot! You need to enjoy what it is you want to do. Cut-loose from negative influences (inc people) - Never give in and stay the course. There is negativity all around us, don’t listen to it. Ignore great ideas - Don’t go for great ideas, go for great execution. It’s the doing that makes it happen, the having of the idea is not the problem, it’s the implementation.   Hire talent smarter than you - When you have the opportunity to hire someone, go for the best. Hire smart people so they can us what to do. Ownership is the real secret - An intrinsic motivation of personal pride, keep hold of every percentage point to stay keen and on course. Sell before you need - Empty your mind in negotiations, improve your body language and remove fear. Fear nothing and no-one - Operate from a position of strength. 10 Things You Need To Consider When Raising Finance Property location Borrower Loan amount Purpose of the loan Repayment terms Security of the loan Interest rate Minimum term you need the money for Notice period, how long to draw the money down Default Rate   BEST MOMENTS   “With your first deal, be generous.” “Ideas are 99% perspiration, 1% inspiration” Thomas Edison “It doesn’t make sense to hire smart people and tell them what to do, hire smart people so they can tell us what to do” Steve Jobs “Everything you’ve ever wanted is on the other side of fear” VALUABLE RESOURCES Rob Moore - Life Leverage - https://www.amazon.co.uk/Life-Leverage-Outsource-Everything-Lifestyle/dp/B01AIKDJ90 Angel Investors West Street Capital - Matt Lindsy Bench Capital - Phil Ellis SE Capital - Tom Barry BIG Property - Mark Bond ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. CONTACT METHOD Ray@raisingangelfinance.co.uk Maria@raisingangelfinance.co.uk Howtoraisemoney.co.uk

Welcome to Raising Angel (Alternate) Funding. What does success look like for you? Join Ray Mclennan discussing wealth hacks including pension transfer values, capital gains tax, stamp duty, which questions to ask investors, mind-set, training and strategy. KEY TAKEAWAYS Capital Gains Tax. Buy something, sell it, make an uplift and pay tax on it. You pay tax on everything else, now you've got to pay tax on the uplift. Wouldn't it be nice to to pay that tax...? Wouldn't it be useful? Stamp Duty. In England and Wales this is one thing. In Scotland it's called land and buildings transaction tax. LBTT. It's even higher there. If you're buying a commercial property, the stamp duty can be eye-watering at times. It used to be a price you pay to get your document stamped. Literally £50-100. Then they started to make it a percentage of the property. In 2004, stamp duty went up by 400% virtually overnight. Wouldn't it be nice, not to pay stamp duty...? Fees. Usually a project such as a commercial conversion, the total fees (everything included) usually work out to 7%. To broker a deal, the fee can be 4%, 3%, 2%, 1%, depending on the size of the deal.  Find out the summary we use to send to investors. We take your application and translate it onto one page. When an investor looks at this, imagine he's walking down the street, in between meetings, his phone goes and he takes it out. What is it? It's an email from Ray with a commercial conversion opportunity in Newcastle for, whatever. It has to be accessible here, there's a red button and a green button. Red for not interested, green for interested. We share a little bit more information to a shortlist of interested investors, then we ask for some kind of commitment before we share any further information.  Global Financial Freedom. Would it be nice to earn a fee for referring somebody to an investor? Does it have to be your own money? 99.999% of the time you'll be using somebody else's money, does it make sense that you learn how to use that money properly? VALUABLE RESOURCES Ray’s Blog Raising Angel Finance’s Blog Ray’s Twitter The Skill Stack Podcast - Ray McLennan Serviced Accommodation Podcast Freakonomics Podcast There's No such Thing as a Fish Podcast ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.

Welcome To The How To Raise Money Podcast. Ray and Nigel dive into the Top Ten Scale Up Mistakes business make and how to avoid them. Discover how to thrive, grow and scale in this episode of The How To Raise Money Podcast. Understand the different types of growth and how it affects your business, learn to pay strict attention to your finances and avoid taking on debt and expensive overheads which errode the business. Ray and Nigel discuss that many entrepreneurs will burn through their start up costs quickly and why you need to have reserve capital for unexpected bills or an increase in running costs. Find out why location both online and offline is key to your businesses success and how you too can utalise systems and processes to streamline your business, whilst placing a premium on customer service. Nigel talks about the need for an in-depth business plan with an emphasis on marketing and finance and how to use social media to supercharge your business by targeting niche audiences directly and sparking engagement. Finally Ray discusses the value of customers loyalty and why you should never underestimate the competition. Key Takeaways Top Ten Scale Up Mistakes Business Make Growing to fast - Whilst growth is desirable, over expansion can be a serious mistake. Don't be the first to market and take on added expense you must manage your investors expectations. Failing to track your finances - Don't take on too much debt, use resources and software to ensure you know what's going in and out of your business. Over spending - Ensure you know your capital expenditure Lack of reserve capital - Aim for three months worth of reserve cash at all times in your business Location - Identify the right location for your busy and consider functional adjacency Poor systems & processes - Streamline your businesses systems to be customer service driven and ensure you stay in control Business Plan - Have you got the right people in the right positions Failing to change with the times - be flexible and adaptable to fit market needs. You need to pivot your business to survive and thrive Ineffective marketing - target your audience and get them off line and onto your database Underestimating the competition - Please an emphasis on customer loyalty BEST MOMENTS In reality there are common mistakes that can kill businesses before they get off of the ground “Cashflow is vanity, profit is sanity” “Taking on debt erodes the business” “Look at the high street and see all of the casualties there - you need to change with the times” “It's incredible how focused and laser targeted your marketing can be” “Marketing is the biggest difference between your business succeeding and your business failing” “Customer loyalty doesn't just happen you have to earn it” “Those that succeed don't underestimate their competitions” “If you have a robust business follow these tips you will succeed and raise finance” VALUABLE RESOURCES Accounting Software - Xero and Quickbooks The Curve Card - simplifies your financial life by connecting all your accounts to one smart card with one even smarter mobile app. Nigel Best - Social Media for Property Professionals com The E-myth 'Why most businesses don't work and what to do about it' Michael E. Gerber co.uk ABOUT THE HOSTS Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK. Nigel trained as an accountant but has for the

DESCRIPTION Welcome to the How To Raise Money Podcast! Money mindset. (Part 2) In part one Ray covered money mindset, how to save and if you are ready to handle large amounts of money, whether it’s yours or somebody else’s. Ray also explained, how not to self sabotage and why mindset when it comes to money is essential. Discover Ray’s Forced Accelerated Savings Technique and how to take the emotional side out of dealing with and saving money. In this episode of the How To Raise Money Podcast Ray discusses the purpose of managing money, the rule of three and the effects of compounding savings. Why IFA’s and QFA’s are not the answer and how your lack of knowledge and ignorance is affecting your money! Discover how to keep your money, grow it and invest it. Understand how Luck, Fortune and Chance affects your money and take control by stacking the odds in your favour. Start to change your money mindset and condition your mind by training your internal Reticular Activation System, coach your mind to raise money and create more wealth for yourself and your family. Find the the purpose for your monetary desire and discover what you want in life. Know your primary desire and gain clarity around money. Key Takeaways Your lack of knowledge and ignorance is affecting your money! Discover how to keep your money, grow it and invest it. Understand the rule of three for saving money and never risk more than 10% 6 Things To Understand About Luck Stop believing in luck and know that your simply lucky. Accept uncertainty as an essential part of your experience. Find ways to change the rules and win. Observe when you’ve been unlucky, analysis and change the outcome. When to leave things down to luck or chance Change your mindset. Don’t expect good luck and receive bad luck. The “Reticular Activation System” or “R.A.S.”, acts like a filter that picks out the pertinent information from the non-conscious mind and conveys it to the conscious mind. Life is a lot easier on us, when we are harder on ourselves. When you desire, and make a decision there is no doubt, and when there is no doubt, things will then conspire to help you. You must know, what it is you want and what it is you desire, before you can start to create wealth.  BEST MOMENTS “Take the emotions out of saving money” “If you learn to manage your money, more of it is likely to come your way. That’s the nature of the beast!” “Saving for compounding, is the 8th wonder of the world” Albert Einstein “Don’t reply on fortune or luck, stack the odds in your favour” “Desire is the starting point of all achievement” “Know your primary desire and gain clarity around money” VALUABLE RESOURCES The Skill Stack Podcast - Reducing your odds for success with Ray McLennan Think and grow rich: The secret to Wealth by Napoleon Hill ABOUT THE HOST Ray McLennan is a keynote public speaker and former corporate solicitor who has many years of experience owning and operating a variety of businesses in the UK and Ireland. Ray is the Regional Manager for Scotland & Ireland for Angels Den, which has over 13,500 high net worth Angel investors that help to find funding for property and SME businesses. Ray also helped to create Property Angels Den (PAD) in Sept 2014, which matches High Net Worth Investors with property proposals of all sizes. PAD now meets regularly and has funded dozens of property projects all over the UK.

From his experience workgn with Angels Den, Ray McLennan talks about property investors at the stage of due diligence, i.e., what needs to be found in check and ready for presentation raise for the required sum of finance

Ray McLennan, Director of West Street Capital Ltd and formerly from Angels Den teams up with Nigel Best, a Podcaster and Social Media Coach, to give the 10 vital questions to ask to ensure your business is ready for investment.

Having worked with the Angels Den, Ray McLennan  shares his vast experiences and dealings iin various aspects of investing, in particular property investing, Angel investing. He also gives insights and tips into how best to invest and build a successful business.Music by Dewolf http://www.dewolfemusic.com/

Bill qualified as an accountant at Virgin, but was a very bad one. He then moved into Investment Banking and was shockingly bad at that as well. “They saw through me in 3 days” He lucked out and sold his business to a Wall Street Bank, retired, and discovered he was bad at that as well. Bill then set up Angels Den in 2007 with some very clever people and appears to have finally found his niche. He has been named the most influential figure in Alternative Funding by City AM and perhaps more importantly 92% of all the businesses funded since that fateful day are still growing with the help of 19,000 angels. AngelsDen.com facilitates over 5000 pitches per year, across 10 countries and there are not many businesses we have not seen pitched badly. Bill started off thinking it was all about the money but slowly began to realise that the value- add the angels bring, is not their money, but their mentorship. Bill and I take a deep and insightful look at what it takes to be successful in today’s ever changing world and what is really takes to inspire youngsters to become successful in business and entrepreneurship.

Bill Morrow talks about Angels. What they do, why they do it, how they invest and what is expected from you in order to attract an investment. What should you do or shouldn't do to raise finance from Angels. Big mistakes Bill has seen in the business and what type of businesses should look for investments. He also talks about his journey so far, and of course, what being disruptive means to him. See omnystudio.com/listener for privacy information.