TRADE & RENEWABLES INVESTMENT
12.5%pa PRIVATE
LOAN NOTES
The content of this website has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on such promotions for the purpose of engaging in any investment activity may expose an individual to a significant risk of losing all of the money, property or other assets involved.
the INVESTMENT process
Our management team has over 150 years of combined experience. You are investing with experts in trade services, facilities management, and green installations. Here is how our private loan note investments work:
TOUR & DUE
DILIGENCE
All investors are invited to come and see the systems in action. It’s the best way to get a feel for the ongoing deal flow Clementine is processing.
Your Investor Pack contains all the key features and information each investor requires in order to take an informed decision.
APPLICATION
PACK
Our compliance team have produced a comprehensive process with full risk disclosures and all the required KYC checks to ensure each investment has protection, validity and provenance.
AGREEMENT
The investment agreement is signed and the drawdowns begin. The drawdowns are set at levels that suit each investors position and risk appetite, but always build-up exclusively on the basis of proven monthly performance.
INVESTMENT
Your returns begin as soon as the funds are received. Each investment supports the deployment of new field team members, support staff, vehicles, kit and sales. Roll-out usually happens in as little as 2-3 weeks of the investment agreement.
CAPITAL
RETURNED
Our loan notes have a standard 3 year term after which all invested funds are returned in full.
TAKE THE NEXT STEPS...
HOW WE generate revenues
It starts with our people. Clementine has a fantastic reputation for improving tradespeople and developing their skills. We have a huge number of applicants wanting to join us and become part of the fastest growing facilities network in the North East.
We are highly selective and only hire when it feels right. Just 8% of applicants are offered a place on our team. Competition is strong and this has allowed us to build a track record of hiring great talent. Our people are the true foundation of our revenues.
NATIONAL COVERAGE
OUR SENIOR MANAGEMENT TEAM
KERRY BLACK
ACCOUNTS DIRECTOR
CAROLINE MOSCROP
OPS DIRECTOR
RIQUEL SCOTT
HEAD OF DISPATCH
MARK BLACK
MANAGING DIRECTOR
MARTIN PEARCE
SALES DIRECTOR
RELIABLE MONTHLY INCOME
Every standard drawdown is used to recruit new tradepeople and, in turn, to put new wrapped, presented vans on the road. Every field team member has a target revenue of around 375-500 pounds per day or around 6,000-10,000 pounds per month which is consistently achieved.
Our loan notes repayments are the first bill addressed from that monthly revenue. Each loan note is amply covered in terms of cash flow and revenue generation, and can be supported fully from a single field team member when that operative is settled into their mature working rhythm.
The repayments can be interest-only or capital repayment dependent on investor preference. We make 36 monthly payments over the life of the 3 year term and then all invested capital is returned in full. Re-investment is available and the same funds can then be used to put another round of field team members into production.
HOW we use your investment
Clementine are on a journey to grow to a 200+ strong field team. Our private loan notes help to fund that growth and give us a faster trajectory than organic growth would otherwise allow. This allows us to collectively make a bigger impact sooner.
DELIVERING A GREAT FIELD SERVICE
investment faqs
As soon as the loan note agreement, application form and compliance documents are signed and funds are received. Your investment starts generating interest from the day its invested. Interest payments are made monthly and will begin on the 1st of the next month from your investment date.
Most of our investors prefer a monthly payment as it offers visibility and a faster, better access to your return. If you have a difference preference please inform us and we can adjust to fall in line with your usual investment schedule.
The minimum investment is set a 100,000 pounds in line with the FCAs guidance on high net worth and sophisticated investor minimums.
The minimum drawdown usually starts at 25,000 pounds. For efficiency of funds, this figure can be drawn down in multiples of 12,500 pounds which is the cost of putting a single new field team member on the road in a new van with wrapping, tools and fit-out.
The invested capital raised from private loan notes is used to grow our field teams, trade coverage and geographic areas served. We can usually deploy funds into production inside a single calendar month. The new teams created will be generating cash revenues in as little as 2-3 weeks.
Your loan note agreement sets out the permitted use of funds and comes with a legally binding personal guarantee to ensure correct alignment and shared goals.
Our standard investment term is three (3) years. The loan note agreement specifies your return date. There is a capital repayment option whereby the capital begins to return after the first year, and is then repaid over 24 months alongside the monthly interest payments.
WANT MORE INFO?
THE investment structure
Private loan notes use a simple, easy to understand structure. Investment is made into Clementine Services Limited. The return is fixed at 10%pa and the investment period is set at 3 years. Interest payments are made monthly and all original capital is returned at the end of the 3 year term.
INVESTMENT
Putting money to work
DEPLOYMENT
CAPITAL RETURN
Return & Re-investment
MONTHLY PAYMENTS
PRIVATE
LOAN NOTE
DEPLOYMENT
Building our coverage
MONTHLY PAYMENTS
Enjoy monthly income
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HOW to get started:
Complete your due diligence
and research to determine risks.
Apply today and become an
investor with us within weeks.
Start investing with Clementine and
begin to receive monthly returns.