Supporting your growing businessWith flexible financing and practical advice

Advisory Services – Supporting small business 2

Agenda

1. Growing businesses at BDC

2. Our approach

3. BDC’s offer to businesses with growth ambitions

3

Growing businessesat BDC

01.

We are the only bank devoted exclusively to entrepreneurs

BDC business centres BDC clients

42,000+

entrepreneurs

94%of BDC clients

are satisfied with our services

110+

BDC business centres

2,100BDC employees

Advisory Services – Supporting small business 5

Growing businesses at BDC

Revenue80% <$1M

50% <$500K

EmployeesMost have <10

Of our Financing clients

50% of our Advisory services clients

Craig MacMasterMedia Mechanicsmediamechanics.com

<$2M <20 2/3+

Advisory Services – Supporting small business 6

Business is evolving fast

Small businesses are no longer corner shops

Technology helps them extend their reach

Virtual deliveryE-LearningMobility

7

ourgoal

To offer the right combination of financing and practical advice so that small, growing businesses can achieve their ambitions efficiently and profitably.

8

Our approach02.

Financing↘ Up to $100,000 online↘ Flexible repayment terms↘ Tailored solutions

Advice↘ Business priorities↘ Market competitiveness↘ Organizational structure↘ Financial state↘ Sales and marketing↘ Leadership

We see both sides of the equation

By combining financing with practical advice

Advisory Services – Supporting small business 10

Online application process▪ Up to $100,000▪ In 5 business days or less▪ No application fees▪ Convenient, easy, fast▪ Buy equipment▪ Attend a tradeshow▪ Purchase extra software

or hardware▪ Apply for a patent or trademark▪ Etc.

Term loans▪ Longer repayment periods▪ Repayment schedules matched

to your cash flow cycle▪ Commercial real estate▪ Expansion of facilities▪ Technology▪ Equipment▪ Working capital▪ Etc.

Flexible financing

Measure & monitor results

Advisory servicesNational network of consultants operating locally

3 months Tools to DIY

Experienced coaches

Coaching-based approach

Structured methodology

DESIGN TO FOLLOW

We help you become self-sufficient

Current state Future state

By equipping you with the right tools

↘ Action plan ↘ Networking

↘ Coaching ↘ KPIs

↘ Workshops ↘ Market research

↘ Online financing

↘ Personalized dashboards

13

Proven Methodology“Give a man a fish, and you feed him for a day. Teach a man to fish, and you feed him for a lifetime.”Chinese proverb

14

BDC’s offer to businesses with growth ambitions

03.

Beyond financing

Practical

advice

Advisory Services – Supporting small business 16

Human ResourcesBuilding a strong HR foundation to optimize employee impact

ResultsAn HR foundation to support the next phase of growth

Regulation-compliant policies and procedures

Committed employees who perform effectively

Regulatory compliance

Employee manual template

Employee discipline and termination guidelines

Final meeting

Job description template

Recruitment and selection strategy

Employer value proposition

HR coaching

Kick-off meeting

HR assessment

Project action plan

Discover Develop Deliver

Advisory Services – Supporting small business 17

Financial ManagementTaking control of your business finances

ResultsAn effective financial management system

Financial data that makes sense

Measurable objectives and tools to monitor performance

Final report

Recommendations

Follow-up support

Financial dashboardCashflow toolCosting illustration

Financial literacy workbook

Assessment of financial management practices

Project action plan

Discover Develop Deliver

Advisory Services – Supporting small business 18

Strategic PlanningAligning your management team behind a solid vision

ResultsThe foundation of a business strategy and culture of long-term thinking

Company alignment behind one vision

Strategic objectives and priorities

Implementation coaching

Strategic roadmap

Business strategy coachingStrategy workshop

Kick-off meeting

Discover Develop Deliver

Advisory Services – Supporting small business 19

Sales and MarketingDeveloping the skills to grow your business

ResultsAn efficient marketing action plan to fuel growth

Better understanding of company’s competitive position in market

Differentiation from competition

Online and offline marketing practices

Marketing roadmap

Final report

Coaching— Ideal client— Crafting your script— Sales process— Objection handling

Workbook introduction

Competitive analysis & organizational overview

Project action plan

Discover Develop Deliver

Advisory Services – Supporting small business 20

Leading ChangeSeizing opportunities to transform your business

ResultsAn action plan for addressing a business challenge or opportunity

Insight into personal leadership approach

Leadership tools and methods most applicable to business

Final report

Recommendations

Leadership and management capabilities action plan

Leadership workbook— Time management— Problem solving— Delegation— Performance mgmt.— Conflict resolution— Change mgmt.— Decision makingLeadership and Management coaching

Leadership profile

Analysis of business challenge or opportunity

Project action plan

Discover Develop Deliver

21

Making a difference

SOURCE: Statistics Canada.NOTE: This chart shows the percentage point difference between growth among clients and growth among non-clients with similar characteristics between 2009 and 2012.

BDC clients who accessed both financing and advisory services reported:

7 4.percentage points Higher sales and employment growth than non-clients

bdc.ca 1-888-INFO-BDC

BDC

BDC_ca

BDC Thank you.Rose D’AmatoSenior Account Manager113 Second St. E. Cornwallc. 613.220.5891, t. 613.943.2918rose.damato@bdc.ca