Campari Lending Principles
The Campari Lending Principles are guidelines that are important and useful for business owners when it comes to writing and presenting their business plans. These principles are used by banks or investors when they have to make a lending decision. So, business owners can use these principles as a check list to insure that they are prepared for possible questions from lenders and that everything is included in their plan.
Campari acronym
C - Character
A - Ability
M - Management
P - Purpose
A - Amount
R - Repayment
I - Insurance
Character
Ability
Management
Purpose
Amount
Repayment
Insurance
A - Ability
M - Management
P - Purpose
A - Amount
R - Repayment
I - Insurance
Character
- Who is the person? Are they dependable? Can they be trusted? Are they easy to get along with?
- general impression of the person, their history and commitment
Ability
- Skills for the industry? Sales skills?
- having the skills to do the work
- might be judged by looking at the entrepreneur’s record keeping and ability to provide / present important information, especially financial information
Management
- Ability to manage people / money?
- What experience, education and training do they have?
Purpose
- What is the money going to be used for?
Amount
- How much? On what terms? If the business owner is looking for an investment, how much of the business is she prepared to trade for the investment?
Repayment
- When will the money be returned?
- Investors and bankers will want to look at the financial details, in particular at cash flow.
Insurance
- How can the loan be protected?
Source: http://bachelorinternationalmanagement.eu/campari-lending/
Zero Carbon Food
Zero Carbon Food is a company that produces leafy greens, herbs and micro greens by using LED lights and hydroponics. The special thing about it? They cultivate their greens in redundant underground spaces in London. Why "zero carbon"? They produce fresh ingredients with a minimal carbon footprint. Through their method of cultivation the necessity to import is drastically reduced because year round crop production negates seasonality. Additionally, their crops are free from pesticides and 70 % less water is needed compared to traditional open-field farming.
Character - Who is the person? Are they dependable? Can they be trusted? Are they easy to get along with?
Ability - Skills for industry? Sales skills?
Management - Ability to manage people / money?
- Michel Roux Jr (Non Executive Director):
- Nell Sanderson (Non Executive Director):
- Chris Nelson (Director):
- Steven Dring (Co-Founder):
- Richard Ballard (Co- Founder):
Ability - Skills for industry? Sales skills?
Management - Ability to manage people / money?
- Michel Roux Jr (Non Executive Director):
- has experiences in the gastronomy
- build up a group of restaurants
- Nell Sanderson (Non Executive Director):
- managing director of Florette UK & Ireland (leading salad brand)
- over 20 years extensive experience from across the food industry
- Chris Nelson (Director):
- highly experienced agricultural consultant
- worked for leading manufacturers of fresh produce
- a broad experience of growing in some of the harshest environments
- Steven Dring (Co-Founder):
- graduated with a degree in Business & Management
- worked within a FTSE 100 logistics pic
- highly developed management skills
- Richard Ballard (Co- Founder):
- creative head of the group
- a frist-class honour degree in Film, Media
RewardsFor an investment of £50 yu will get a signed Thank you letter.
For an investment of £250 you will get a tour of the tunnel.
For an investment of £2,500 you will get an investor picture on the website.
For an investment of £25,000 you will have a meal with the Co-Founders to discuss the business plan and the future growth of ZCF.
Two types of shares
A shares: Through investing £25,000 or more you will receive A-shares which have full voting rights.
B shares: Through investing less than £25,000 you will receive B-shares which have no voting rights or pre-emption.
The business exit strategy, for shareholders to realise their investment, is envisaged by the founders to be within five years of the inception of ZCF. There are a variety of potential options for exit open to shareholders, like an Initial Public Offering, and the option presenting the best value would be selected in agreement with the stakeholders.