Triple Point
NAVIGATOR STRATEGY
STRATEGY GUIDE
Investing
for future
generations
Introducing
THE TRIPLE POINT NAVIGATOR STRATEGY
Triple Point’s Navigator Strategy targets capital
growth through funding real, tangible businesses
Our Navigator Strategy provides leasing and lending to businesses,
which are typically UK small and medium sized businesses.
Each Navigator business line provides market scale and adequate
liquidity across a range of contract maturities. Maturities range
from the very short term (c.30 day corporate trade finance) through
to the mid-term (c.60 month SME leasing).
The growth opportunity in each business line is provided by:
• the scale of each addressable trade;
• the market access we enjoy through our track record,
experienced team and intermediary networks; and
Navigator Strategy
TARGETS GROWTH
• UK small and medium sized businesses
• £190m+ of funding provided
• 40,000+ customers
• £5,000 average contract value
• Targets a return to investors of 4% to 6% per
annum (after all annual fees and charges)
• the continuing inability of the banks to compete
due to capital adequacy requirements and high
legacy platform costs.
With the Navigator Strategy, the funds you invest should qualify for
Business Relief after two years, at which point they will fall outside
of your estate for inheritance tax purposes.
This document is designed to give you some more detail on how
the Navigator Strategy works.
Target Returns
Actual Returns
Speed
The Navigator Strategy
targets returns in the
range of 4% to 6% per
annum (after all annual
fees and charges).
To date the Navigator
Strategy has delivered
annualised returns of
5.84% costs
(after all annual charges).
The Navigator
Strategy should
achieve IHT exemption
after 2 years compared
to other options that
take 7 years.
Customers
Capital
Diversification
Having over 40,000
customers provides
investors with good diversity
and regular cashflows.
To date Triple Point has
invested over £190m
through the Navigator
Strategy.
The Navigator Strategy
selects high quality
small and medium sized
businesses across the UK.
Contract Values
Stable
Simple
The Navigator Strategy
investments have an
average contract value
of £5,000 ensuring a
diverse spread of
investments.
The investments
are typically asset
backed in good quality
organisations with
a strong underlying
business rationale.
The Navigator Strategy
typically makes simple
investments in real
and tangible assets.
Proven Performance
The Navigator Strategy has delivered consistent returns;
since inception it has returned an average of 5.84% per
annum to investors (after annual charges).
We are specialists in business funding and
in the 12 years since we were founded have
raised £500m for small and medium sized
businesses.
This business meets Triple Point’s key
requirements for Navigator, being regular,
contractual cash flows, good quality
customers and predictable returns.
Our sector experience and market reputation
means that we are a well known operator,
ensuring a steady pipeline of opportunities
from which we select those that meet our
criteria.
Navigator Strategy’s performance since inception
To date the Navigator Strategy
has delivered, returns of 5.84%
per annum (after annual fees
and charges)
25%
Risk Warning
15%
19.7%
18.6%
20%
12.7%
10%
Target
Range
5%
Apr 2016
Jun 2016
Feb 2016
Dec 2015
Oct 2015
Aug 2015
Apr 2015
Jun 2015
Feb 2015
Dec 2014
Oct 2014
Aug 2014
Apr 2014
Jun 2014
Feb 2014
Dec 2013
Oct 2013
Aug 2013
0%
Jun 2013
There is no guarantee that the
target return will be achieved and
investors may get back less than
the amount they invested. Past
performance is not a guide to
future performance and may not
be repeated.
For more information or guidance
This document provides a guide to the Navigator Strategy. For more information on how to access the strategy including a summary of the risks, please
see the Triple Point Estate Planning Service Information Memorandum and Investor Agreement and Application Form. Advisers can also contact Triple
Point for details about the bespoke planning routes available.
OUR BUSINESSES IN ACTION
DIVERSE INVESTMENTS FOR FUTURE GENERATIONS
The Navigator Strategy has a proven track record of providing
solid returns. Our investors benefit from a diverse customer
base of over 40,000 UK small and medium sized businesses.
PROPERTY BRIDGE FINANCING
CREDIT CARD TERMINALS
MOBILE TELECOMS
Working with specialist lenders,
we have provided £47m of bridge
financing for property acquisitions.
Working with over 38,000 UK SMEs,
we have providing funding of £18m
for payment card terminals.
Triple Point funds UK telecoms
companies to supply almost
1 million call minutes a day.
Navigator
Business Lines
LARGE CUSTOMER BASE
We have supported over 40,000
UK SMEs, managing one of the
largest privately capitalised
leasing businesses in the UK.
Our Navigator Strategy typically
provides funding to UK small and
medium sized businesses.
SME Finance
SME Finance is made up of two activities, SME
Leasing and Short Term Working Finance.
SME Leasing
Within the Navigator Strategy, funding
is provided for credit card terminals. Schedules
of agreements are purchased from independent
resellers of merchant services to SMEs. These
are for contract periods of 24 to 60 months. The
strength of the portfolio is the broad spread of
counterparties, which means that credit risk is
spread over a very wide range of SMEs.
Short Term Working Finance
Short Term Working Finance is the provision of
unsecured lending to small businesses in the
form of short term working capital loans typically
for periods of up to 10 weeks. Usually these loans
are provided to businesses as a supplement or a
replacement for an overdraft facility.
Many SMEs use this facility to expand or
purchase stock. It is frequently used as an
alternative to bank finance.
Corporate Trade Finance
This is a longstanding and well established
market, where finance is provided between a
company and its customers in respect of amounts
due (”receivables”) for goods, or a service,
supplied. For example, the Navigator Strategy
funds telecommunications call financing.
WORKING CAPITAL LOANS
We have provided over 7,000 small
and medium sized business with
working capital.
Secured Funding
Businesses can require short term funding to
acquire assets in advance of preparation for
onward sale; property bridge finance being an
example. Navigator looks to fund short term
bridge finance, with strong security over the
property and a low loan to value. The loan is
repaid once the developer has long term bank
finance in place or has secured an onward scale.
Important information
NAVIGATOR STRATEGY
This document is a financial promotion for the
purposes of Section 21 of the Financial Services
and Markets Act 2000. It is issued by Triple Point
Administration LLP, which is authorised and
regulated by the Financial Conduct Authority (no.
618187).
terms of the Information Memorandum, the
Investor Agreement and Application Form. The
opportunity described in this document is NOT
suitable for all investors. Investments in BPR
qualifying companies are considered to be highrisk, including illiquidity, loss of investment and
dilution.
This document is a summary of the Navigator
Strategy. This strategy can be accessed
through the Triple Point Estate Planning. It is
important that prospective investors read and
understand fully the Information Memorandum
before investing, which explains the key
risks. Applications to the service will only
be accepted on the basis of the content and
Nothing in this document constitutes tax,
financial, legal or investment advice. If you
are in any doubt about whether investment
in the Estate Planning Service is right for you,
you should seek advice from an authorised
person who specialises in providing advice on
investments of this nature.
Triple Point is the trading name for the Triple
Point Group which includes the following
companies and associated entities: Triple Point
Investment Management LLP registered in
England & Wales no. OC321250, authorised and
regulated by the Financial Conduct Authority
no. 456597, Triple Point Administration LLP
registered in England & Wales no. OC391352
and authorised and regulated by the Financial
Conduct Authority no.618187, and TP Nominees
Limited registered in England & Wales
no.07839571, all of 18 St. Swithin’s Lane,
London, EC4N 8AD, UK.
15 July 2016
For further information please contact
As a specialist investment business, we make more
than just money for our clients; we create value
beyond simply delivering solid returns. This extends
to the lasting partnerships we build and the integrity
with which we conduct our business.
18 St. Swithin’s Lane
London EC4N 8AD
Adviser and Investor Enquiries
020 7201 8990
[email protected]
Triple Point is the trading name for the Triple Point Group
which includes the following companies and associated
entities: Triple Point Investment Management
LLP registered in England & Wales no. OC321250,
authorised and regulated by the Financial Conduct
Authority no. 456597, Triple Point Administration LLP
registered in England & Wales no. OC391352 and
authorised and regulated by the Financial Conduct
Authority no. 618187, and TP Nominees Limited
registered in England & Wales no.07839571, all of 18
St. Swithin’s Lane, London, EC4N 8AD, UK
Value Creation
Investment Philosophy
We create value by building
innovative products for investors
and offering attractive funding
solutions to a range of businesses
and organisations in both the public
and private sectors. Our innate
curiosity propels us to explore
possibilities and find unique
combinations; from the deals we
originate right through to the way
we design our products.
Our investment philosophy
is simple; we target
opportunities which seek to
offer our investors:
At Triple Point we believe in
building long lasting partnerships
with advisors and the businesses
we fund. • Capital Security
• Liquidity
• Predictable Returns
This approach is designed
to create value by providing
solid returns for our investors
and delivering sustainable
growth for the businesses
that we partner with.
www.triplepoint.co.uk
10 YEARS
IN ESTATE
PLANNING
In 2016 Triple Point’s Generations Strategy
proudly celebrated 10 years in the market
Triple Point has consistently met target
returns within this sector
1
Years of
Generations
Strategy