THE BRITISH LIBRARY

Innovation and enterprise blog

10 posts categorized "Finance"

05 July 2017

How Intellectual Property helped Julie Deane start a £10 million business from her kitchen table

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Wednesday 5 July 2017 is British IP Day – a welcome opportunity to celebrate and raise awareness of the importance of Intellectual Property.

So many small businesses lack IP awareness and understanding, but IP is something of an unsung hero and can prove critical in making or breaking a business.

The Business & IP Centre team are dedicated to helping entrepreneurs and SMEs understand what IP is and why it’s important, what IP they might have created and how they might increase their business success and profitability by protecting and exploiting that IP in the future. Over the years the team have supported thousands of small businesses unlock the value of their IP, and much of the support we provide in the Centre uses case studies and real-life stories to demonstrate how having a handle on your IP gives you a huge commercial advantage.

One such example is Julie Deane OBE, founder of The Cambridge Satchel Company, who has taken her business from the kitchen table and a £600 start-up budget to a global success story with a turnover of £10 million. Along the way Julie has overcome numerous business challenges including managing designers, manufacturers and overseas distributors, establishing web and physical retail sites around the globe and dealing with thousands of imitator brands. Here, in a free 30 minute podcast with the Intellectual Property Office, Julie lays the truth bare on how she’s developed strategies to tackle copycat websites, build the brand, keep putting the quality of the product at the heart of the business and “hang on to the passion that made you start the business in the first place.”

 

Podcast IPO

 

Whether it’s British IP Day’ or just a normal day, here are our 3 ‘top tips’ for what you need to know when it comes to your Intellectual Property:

  1. Think about trade marks - Is your business name protectable in the countries that you wish to trade? Is it already being used or does the word have another meaning in a different country. Future investors will want to know that you have the rights to trade in the countries that they wish to trade in, and you need to consider this right from the start to give your business the best chance of success.
  2. If you’re creating a ‘thing’ - Do your research before filing for a patent; is there a market for your product? It is expensive and takes a long time to protect your idea so make sure you do your market research and can be confident that somebody will buy it at the end of the day. If you have paid for your product to be patented and want somebody to manufacture it for you, you also need to ensure you have agreements in place limiting their rights to your initial idea or design.
  3. Founder’s agreement - It is easy to set out a document with your business partner right at the start when setting up your business agreeing things like % of ownership and what should happen in the case of a dispute, or if one of you wish to sell then business and the other one doesn’t. Once a dispute has started it is much harder and messier so you need to make sure all parties are clear on this from day one.

You can find further help, support and information on IP in any of the eleven Business & IP Centres up and down the country, including the British Library in King’s Cross. Speak to any one of our specialist staff face-to-face, over the phone or by email. You can also log on to our free of charge online workshops to grow your knowledge about IP, and increase your chances of business success.

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Julie Deane in the Business & IP Centre

 Julie Deane is Entrepreneur in Residence at the British Library and a huge champion for ambitious business owners. She is set to give even more advice and practical tips on 11 July at the Library’s Scale-up Summit alongside Will Butler-Adams, CEO of Brompton Bicycles. Cambridge Satchel and Brompton recently launched a range of colour-matching bags and bikes where the satchel fitted perfectly to the handlebars. This ‘made-in-heaven’ brand match caught the attention of the press and delivered extremely high sales. Will and Julie will be giving the opening keynote presentation on ‘Getting your business in the media’ which is not to be missed.

Book your ticket here.

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The Cambridge Satchel Company / Brompton Bikes collaboration

 

 

11 August 2016

How we amped-up our business strategy and our trading firm took off

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Amplify are a trading firm that provide training and expertise for those interested in moving into the financial markets to become a trader. They have pioneered a new training programme, raising the industry standard for trading talent. We asked them about their unique approach to trading and how they have established their high-regarded reputation in the industry.

Will and Piers
 

When was Amplify set up and what was it that inspired you to start the business?

We started Amplify in 2009 as a small trading firm in Canary Wharf. As we grew our team we wanted to create a new and better way to develop our new traders. Rather than relying on out-of-date models and theory, we wanted to revolutionise the way economics and finance were taught, using technology and experiential learning to make their training relevant to the markets today.

What challenges has the business faced along the way?

The industry is incredibly competitive and at first it was hard to make our mark. Reputation is everything, so we always tried to treat every person that has ever come into contact with Amplify with the upmost care and consideration.  This has meant growth has perhaps been slower than it could have been, but as we enter into our eighth year the hard work in building a reputation of quality and integrity is starting to pay off.

What has been the business’s biggest achievement so far?

Many of the world’s largest financial institutions, and some of the world’s most prestigious academic institutions, use our technology to perform better and this is great justification of the value of what we do.  It’s also excellent to see candidates that we have worked with landing some of the best roles in the industry, from central banks to hedge funds and investment banks. Receiving their feedback and seeing how well they have done is incredibly rewarding.

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What one piece of advice would you give to any business owners struggling to take their business to the next level?

As soon as you can, hire an employee to manage the operation that you have built so you can get on with helping it grow.

You were successful applicants on our Innovating for Growth programme – how has it helped you?

The sessions during the three-month programme gave us an invaluable reminder to refocus on the bigger picture, along with giving us the necessary tools to create value from that focus.  For us the most useful elements were redefining our business strategy and implementation; making sure the whole team is aware of the business objectives and core values of the firm, and that all involved are on board in helping to achieve those objectives.

Finally, what’s next on the horizon for Amplify?

Since the Innovating for Growth programme we have made our first hire abroad with our office in New York officially opening in September.  The co-founders have moved away from the London trading floor to be based in a separate location so we can be physically removed from the day-to-day running and focus on the growth objectives of the firm.  After New York opens in September, we start a road show in Hong Kong and Singapore this November.

 

Apply now for over £10,000 worth of business advice

Are you a start-up looking to scale up, like Amplify? Innovating for Growth is a fully funded three-month programme to help you turn your growth idea into a reality.

Covering everything from intellectual property to reaching new markets and branding, we'll guide you through every step of the way to help your business achieve its growth ambitions.

Find out more and apply now 

 

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The programme is fully-funded by the European Regional Development Fund and the British Library.

29 July 2015

Top tips on online accounting for small business

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Books are migrating to e-readers, music is being streamed and accounting is now happening in the cloud. This is the quiet revolution that accountants whisper but dare not speak aloud. Accounting software is dead; it’s online and upwards to the clouds. Online accounting has arrived.

Cloud computing

It may sound a touch over the top but it’s true. As a business, how you manage your books pretty much manages everything else. Your accounting is an important engine in your business. A well-oiled efficient system will reap rewards; a slow burner with too many miles will underperform and slow you down.

This is where online accounting in the cloud is so significant. Consigned to software history is the accounting package sold ‘out of a box’ installed onto your desktop, run on a local drive and perhaps backed up onto a different drive. It was fun while it lasted but now SMEs have multiple choices when it comes to doing their books.

And here lies the problem. Business owners are generally uncertain about how to choose an online accounting package that works for them. But help is at hand, outlined below are some helpful tips to help you decide on how to choose the best package.

Why choose online accounting?

It’s easy to say the future is online but what are the actual advantages?

  • Firstly, you can access it anytime, anywhere and aren’t bound to the PC in your office and you don’t need to keep installing updates
  • Being on the cloud means information can be easier to share as well
  • It can save considerable time and keeps your records up to date

The question then is which online accounting package to choose? There are numerous packages you can subscribe to out there. Xero and Quickbooks are making inroads but there are lots of others too. There are well over thirty providers of online accounting, so choosing the right one for you can feel overwhelming. The best thing to do is to narrow your focus by asking yourself a few of the following questions:

  • How long has the software been around? In other words, is it market tested?
  • Is the software UK compatible? Can it deal with VAT? You will need a system that works effectively for VAT returns.
  • Can it work with multi-currencies (if you need to trade overseas)?
  • Can it integrate with other software easily (known as API) such as CRM or invoicing programmes?
  • Will it securely connect into your bank account? This can be very helpful when it comes to bank reconciliation and looking at a live picture of the financial state of your business.
  • What is the level of customer support? Are you able to call or use chat while online?

Having confidence in the provider you choose is important as they will be presenting all the data and running all the reports for you. Reports are your window into what’s happening with the numbers in your business, so it’s vital you can see what’s going on clearly. It’s best to see if your accounting software can run any of these types of reports clearly and effectively:

  • Profit and Loss reports
  • Balance Sheets (divided monthly)
  • Company snapshots
  • Debtors and Creditors
  • Product and Inventory reports (if needed)
  • Employee and payroll

Test, test, test

Most of the major online accounting platforms will give you a free trial. Riz Wasti from 2E Accountants and participant on the Innovating for Growth programme recommends you test the software first to see how it works for you. He suggests doing the following:

“Most online software offer 30 days trial period. That’s your opportunity to test the software before relying on it. Use your real transactions, bank payments & receipts, sales invoices, bills and expenses, etc. Softwares will also have a Demo Company setup with data already entered. That’s your opportunity to play with the software”.

Migration to your online platform

Once you’ve selected the best online accounting package for you, do allow for time and some cost to migrate across from an existing platform. As ever, the devil is in the detail (and the numbers). Riz advises that:

Migrating data from an existing system can be complicated. It’s best to do it in stages, for example starting with sales invoices and bills in batches of months and reconcile bank statements for each month entered. The payment allocation process can be time consuming. Bank data can be uploaded in one go separately to sales and bills, but then bank payments need to match or be allocated.”

All the more reason to do all the research you can on finding the right online accounting package for you. The effort is sure to be well worthwhile in the medium to long term for your business.

If, like most business owners, you sometimes feel confused about your finances in the business, the Business & IP Centre has help available: from how-to guides on running your business, to workshops including “Get Cashflow Confident” with our ‘numbers coach’, Johnny Martin.  

 

Jeremy O’Hare is a Relationship Manager for the British Library’s Innovating for Growth programme, which provides £10,000 of fully-funded and tailored advice for businesses looking to grow. Since joining the British Library in 2005 he has worked with countless businesses, facilitating advice and research as well as providing workshops and information advice for start-ups and established businesses. 

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12 January 2015

Avoid catching a “Cash” Cold in 2015

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We all know that prevention is better than cure.  So, as the New Year gets under way here is a financial fitness checklist to help make sure you avoid catching a “cash” cold.

Shopping stall

Time

Take your 2015 diary and block time out for Cash.  You will need time for a weekly, monthly and quarterly “meeting” both for personal finance and business finance.  The first step in any project is setting the time aside and the trick with finance is to make it a routine.  This is so important, which is why I allocated a whole chapter in my book “Understanding your Business Finances” to establishing financial routines.

Personal Budget

One of the biggest causes of business failure is out of control director’s personal expense. I have seen it so many times trash otherwise successful businesses.  Sit down with your bank and credit card statements and work out a sensible budget.  Here is a good template from moneysavingexpert.

Directors’ Loan Account

If you run a limited company, you can’t just plunder the company bank account for personal expenses.  If you have a large balance owed to the company, you need to discuss it urgently.  There are significant tax penalties associated with this.

Terms of Trade

Make sure you have written Terms of Trade.  These set out your responsibilities, your customers and crucially, when you expect to get paid, and when ownership passes if you are selling goods.  If you haven’t got Terms of Trade, get a copy of your competitors to see what kinds of things are included.

Business Agreements

Do you have any business arrangements that aren’t in writing?  If so, confirm them by email and consider if they really should be in a legal agreement. I believe more cash is lost through bad documentation than any other reason.  This is especially true if you are undertaking a big project e.g. a database.  Again, I have seen this spiral out of control without documentation and agreed milestones.

VAT

When you register for VAT you become an unpaid tax collector.  However, it is then so easy to see lots of cash in the bank and think “Ok I can splash out!”  But it’s NOT your money.  You will need that money when you do your VAT return – so why not open separate bank account for VAT and transfer an estimate of what you owe on a regular basis.  That way you won’t get caught out.

Price

When was the last time you reviewed your prices? 80% of companies don’t charge enough for what they do. Even a small increase in price can make a massive difference to profitability. Or perhaps mask a price increase by introducing a premium and budget range. 

Hire, Don’t Buy

Save cash by hiring equipment rather than buying. Yes, it may be more expensive to hire but you will conserve precious cash resources as compared with buying. 

Cash Flow Forecast 

Finally, make sure you have a cash flow forecast going out at least 9-12 months into the future.  This will give enough time to do something if the forecast shows the business is in danger of running out of money, either because things aren’t working out as anticipated, or the business is wildly successful but needs more working capital (money to fund stock and what’s owed by customers).  There is a free forecasting template available at www.johnnymartin.co.uk  

 

If you do nothing else in 2015, at the very least set aside some time to look after your financial health and reduce the chance of catching a “cash” cold.

 

JmJohnny Martin FCA is an experienced Finance Director who now demystifies business numbers and jargon for business owners.  He is a partner at the British Library Business & IP Centre and runs a regular workshop Get Cash Flow Confident.  You can find his tools and templates and also his book “Understanding your Business Finances” at www.johnnymartin.co.uk

 

 

 

29 July 2014

Book review - The Directory of Grant Making Trusts

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Directory-of-grant-making-trusts-2014-2015bThis is the 23rd edition of a book that is invaluable to fundraisers, charities, social entrepreneurs, community groups and anyone seeking funding for their project. The directory is annual and lists details of all the grant making bodies in the UK.

The organisations listed range from the small trusts set up for good causes to large funding organisations such as Children in Need.

Each entry outlines what is funded and not funded, ranges of grant available, sample grants within the last few years, names of trustees and the finances of the organisation. Guidance is also given on how to apply.

The directory in very comprehensive as it also includes organisations who say they don’t want to be contacted on spec. The compliers leave them as it is a good indication of which organisations not to contact.

There are indexes of areas of funding (e.g. educational, special needs, arts, housing, health, recreation etc.). Also types of support (e.g. building, salaries, vehicles, equipment, project finance) and organisations that cover certain geographical regions within the UK and overseas.



16 July 2014

Book review - Understanding your business finances by Johnny Martin

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Understanding your business financesIt is something of a cliché to say that most new business fail due to cash-flow problems. But it is also a truism.

Johnny Martin has made it his mission to get business startups to understand how their business finances work, or to use his words, “take control of your cash and manage your business with confidence”.

In addition to his monthly workshops in the Business & IP Centre at The British Library he has now published a book. Understanding your business finances is part of the ‘Essential Business workbook’ series published by Cobweb, who also produce the essential Cobra database.

Johnny understands how most people starting a business are intimidated by the financial aspects and often hide their heads in the sand.

“Many people come unstuck when they start a business because they don’t know what the numbers are telling them. Some don’t even have any numbers to work with! Others manage to get through the early days create a really successful business, only to be ripped off by a so-called business partner who is ‘dealing with the money’. (And believe me that happens a lot.)”

Johnny has worked hard to ensure the language, writing style, fonts and page layout of the book are as clear and simple he can, to make this vital knowledge as accessible as possible.

The content is divided into twelve chapters with a worksheet in each one, to turn the theory into practice:

  1. Introducing the three key financial reports - Cash flow forecast - Profit and Loss report - Balance Sheet
  2. Understanding the business model
  3. Forecasting sales - researching your market and competitors - setting your process to make a profit
  4. Getting to breakeven - fixed and variable costs - calculating your breakeven point
  5. The profit and loss report (the P&L)
  6. Introducing VAT
  7. The difference between cash and profit
  8. No one goes bust with money in the bank - monitoring and understanding your cash flow
  9. Balance sheets and accounting principles - understanding the balance sheet
  10. An introduction to financing your business - what type of funding is suitable for your business - sources of business finance
  11. Day-to-day accounting in your business - who can help you with your accounting
  12. Putting all you’ve learned into practice

Johnny_Martin-300pixHHe has also include a ‘Jargon buster’ at the end covering topics from Accrual accounting to Working capital.

I will end this short review with another cliché, this time from the publishing world. ‘Everyone should read this book’. Except in this case it really is true. If everyone starting or running a small business were to read and understand this book, the number of business failures would be significantly reduced. Resulting in a stronger economy and happier entrepreneurs and their families.

“You CAN do this stuff. It’s sill okay to delegate finance to accountants or key members of staff, but don’t abdicate the responsibility completely. No one is going to look after your interests better than you.” Johnny Martin

 

Neil Infield on behalf of Business & IP Centre

11 July 2014

How to avoid business failure

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The statistics for small business failure make for grim reading. It’s a fact that fewer than four in ten businesses survive past the first critical three years of trading to become sustainable. That’s a lot of time, money and ruined dreams that could so easily have been avoided.

I’ve worked with many businesses here at the Business & IP Centre from early stage to high growth and have found that there are some key things to do at the early stage that will significantly reduce the odds of failure and even grow to real success. In fact our research has shown that using our resources and networks will reduce the chance of business failure to less than one in ten.

Individual Female Tablet
Firstly, one should remember when starting that the most important asset in the business is you. So it’s vital that you’re realistic with yourself and have your feet firmly on the ground. No matter what type of business you start or invention you want to exploit, it goes without saying that just because it’s your idea, it doesn’t mean it’s a commercial idea and will make you money.

So you need to be vigilant and do everything you possibly can to minimise risk, but how?

There’s no shame in knowing what you don’t know.  As a business owner you will need to wear so many hats and have a wide skill set that it can feel daunting. But being an all-rounder doesn’t mean you have to be brilliant at everything either (not everybody with sales skills makes a good marketer) but you sure need to understand some basic principles and practice for a lot areas.

A keen desire to pick up as much information and advice along the way is crucial. Thankfully you aren’t alone. Many at the Business & IP Centre have benefitted from accessible, down to earth workshops that tell you the most important things you need to know, be it marketing or finance.

You can Get Cashflow Confident or grow your business online with our Marketing Masterclass Perfect for anyone exploring the possibility of a new business is our Start-up Saturday workshop  too.

Workshops are great opportunities to share experience and meet others too. You can start to create your own network of contacts to help you in all the areas you need to know. It may well become your lifeline.

Secondly one should find out as much as you can about the market you’re moving into. Proper research is your gateway to better opportunities. To have a serious business someone needs to buy your dazzling new product or life enhancing service and it sure helps to know whom. Market research does just this by identifying consumer profiles, average spend, size of the market place, threats, opportunities and forecasts. All this is information gold-dust at an early stage that will save you so much time and money in the long run, even if it’s as simple as helping to guide you on the right marketing strategy.

Published content by some of the larger researchers out there is beyond the budget for most early Individual Male Laptop stage businesses. The Business & IP Centre has taken this problem out of the equation by making freely available to its walk in users over £5 million worth of quality research on all major sectors and a good many small ones too.  What’s more our Information Specialists in the Centre will point you in the right direction and show you what you need to know.

And thirdly one should ensure your new venture will need to be as safe from risk as possible. Getting the right legal structure and necessary insurance in place at an early stage will save you huge bills and endless stress later. Understanding what you need to do doesn’t have to be as complicated as it sounds. A database in the Centre called COBRA (Complete Business Reference Advisor) tells you in plain English many of the legalities and insurance issues you’ll need to address among other topics.

One should always consider what Intellectual Property there may be in the business too. Our Intellectual Property workshops and advice help to break down and explain how you can address this important asset in any business.

Group 7So addressing these issues will ensure your first step is a sure one. Of course there’s much more to build on from here but these issues are absolutely fundamental to the viability of any venture.

Finally, I would suggest not throwing all your eggs in one basket. Don’t quit your job just yet especially if you haven’t even had a single sale! It’s good practice to test and refine your proposition with a few customers that helps to prove the concept.

Remember, there’s never a shortage of help and advice to guide you, so help yourself to reduce the odds of failure.

 

Jeremy O’Hare is a Relationship Manager for the British Library’s Innovating for Growth programme, which provides £10,000 of fully-funded and tailored advice for businesses looking to grow programme.

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07 July 2014

Confusion costs cash!

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Jm webOur resident finance expert, Johnny Martin explains the most common finance mistakes that he has come across.

One of the hardest things when you are starting or running a business is getting to grips with the financial jargon and of course the numbers!  Too many business owners think that it’s OK to muddle by and that somehow it will be alright on the night.

As a result, many don’t start because they can’t raise cash, or they start and crash and burn because they run out of cash or they start and create a really successful business with the help of a (so-called) business partner who goes on to rip them off so they lose out on their cash! You wouldn’t believe the number of times at my workshop at the British Library, people say that’s what happened to me!

 So what causes this confusion and how can you make sure you understand your business finances and make sure you don’t waste cash? 

To start, let’s cover THE biggest cause of confusion and especially confusion between business owners and finance people – why is profit not the same as cash?!  Well if you were running a very simple fruit seller business, buying on the wholesale market, selling on a street corner, and chucking out unsold fruit at the end of the day – then the increase in cash in your pocket would be the same as profit. 

BUT as soon as you start selling on account, buying on account, having stock, buying equipment then cash and profit are different in the short term. 

This explains why you have two reports – the cash flow looking at cash and the profit & loss report which matches income and expense when they happen i.e. based on activity.  The profit and loss is there to help you assess profitability or viability – can you sell for more than your costs?

If you didn’t match income and expenses in the same period you would never know your true profits.  For example you hire a freelancer but they don’t invoice you at month end, you would still make a provision for these costs in your management costs. 

Otherwise you would understate freelance costs in the month when they happened and over state in the month the invoice came in or indeed when it was paid…This is known as accruals accounting – matching income and expenses based on activity.

To help overcome this kind of confusion I run a regular workshop at the Business & IP Centre called Get Cash Flow Confident.  If you come to the workshop you also get access to my online training video Talk Money and a 5 year forecasting template. 

Whatever stage you are at – please, please, please don’t ignore finance.  Successful businesses understand their numbers, know their numbers and act on them.  By all means delegate finance but don’t abdicate responsibility – it is just too important.

09 May 2014

Business book reviews from Dr Stephen Fear

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Ambassador Stephen
Dr Stephen Fear, our Entrepreneur in Residence and one of the Centre's Ambassadors shares the latest about his series of business book reviews held in the Centre.

 

Books have always formed a big part of my life. Growing up I was a voracious reader, something that has never left me.

Last year, it was suggested to me that I should consider hosting a book review located at the Business & IP Centre, focused on business books.

I started to think about how to do this in a way which would benefit entrepreneurs and small business owners using the Centre, and possibly a much wider worldwide audience online.

My first attempt at getting it right had its challenges due to the UK being hit by heavy snow! Our film crew couldn't get into London so we ended up doing the practice run in a penthouse apartment I own in Bristol with a hand held camera. It was all very much a practice run, but we put it on YouTube anyway, exactly as it was. Clearly it was much too long and the sound was poor but it was our first try so I hope we can be forgiven for that.

Thankfully we have progressed, and the review is evolving into something that I hope will assist the huge community of UK entrepreneurs develop their businesses.

Each month I intend to review two books which I have read and which I feel are relevant to the SME community. Where possible I will have a guest author on the show. In March 2014 I interviewed Susan Gunelius, successful author of many books including, The Dummies Guide to Blogging and Social Media.

So what's next! Well, in July I will be focusing on two more books, the first is essentially a work manual written by chartered accountant Johnny Martin which explains how to raise capital and manage cashflow for SMEs and is called 'Understanding Your Business Finances" and the second is a book by Rasheed Ogunlaru, called 'Soul Trader' which focuses on getting your mindset right for success.

Although very different, in that one concentrates on hard facts, and the other on a rather more spiritual aspect, both are important for anyone seeking success in business. Unless you can clear your mind and focus, absorbing the information from Johnny Martin will be tougher to take in.

Have a look at some of the previous reviews and make sure you keep an eye out for the next one!

If you have a favourite business book that you would like included in a future review, let us know via Twitter or Facebook.  I will do my best to read it and review it in future programmes.

09 December 2013

Helping to make a success story - Children's Qur'anic Pop-up Book

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Elephant_imageCrowdfunding is all the rage these days, as it has proved a real alternative route for funding a new idea or product.

The current top three are Kickstarter, Indiegogo and RocketHub, with new players appearing almost daily.

So I was not surprised to find that one of our customers had taken this approach to get funding for her Children's Qur'anic Pop-up Book and 3D app. Hajera Memon is the Managing Director of Shade 7 Limited and has launched their funding campaign this week on Indiegogo.

I don't really need to tell you too much here about the project to fund their first book Story of The Elephant: Surah Al-Fil, because the funding page is pretty comprehensive. But their aim is to become a global, multilingual publisher of premium pop-up Qur’anic educational story books and digital apps that help children learn about Islam in a fun way.

It was great to hear that Hajera was invited to the Small Business Saturday launch event at No. 11 Downing Street in early December:

I had the amazing opportunity to meet Chancellor George Osborne and show him the pop-up book – which he really liked!

Even nicer was to read her comments about the Business & IP Centre:

I would also like to take this opportunity to thank you all so much for your extensive time, patience and support with the development of this project and for getting us to this exciting stage!

You’re a really special group of people whom I’m very grateful to know and you make me feel so pleased with the decision to try and join the entrepreneurial world, regardless of how things turn out! You’ve all added your own special contributions to my start-up journey and I really wanted to say thank you.

It is with your encouragement that I have had the strength to continue with each stage of the business and I really appreciate the efforts and invaluable advice you’ve all shared with me throughout. I pray this venture is successful and will be something you can all be proud of!

 

 

Neil Infield on behalf of the Business & IP Centre