Private loan briefing
Private Campaign Loan Frequently Asked Questions
A plain English summary of the private loan, the campaign model and the principal risks. The signed loan agreement governs each arrangement.
- 01
Who is the contracting party?
The loan agreement is made directly between the lender and Simon Bennett personally. No company is the borrower or contracting entity.
- 02
Is this an FCA regulated investment?
No. It is a private personal loan arrangement. It is not an FCA regulated fund or investment product, Simon Bennett is not FCA authorised in relation to the arrangement, and there is no FSCS protection.
- 03
Is the money secured?
No. This is an unsecured personal loan. The lender has contractual rights against Simon Bennett personally, but no charge is taken over his property, business, bank accounts or other assets.
- 04
What backs the repayment?
Simon Bennett is personally responsible for the amounts due under the written loan agreement. Repayment is expected to come from campaign income, but it is not guaranteed by a client, speaker brand, reserve account or third party.
- 05
How does the £65 charge work?
The client is charged £65 when a booked call meets the agreed qualification and billing criteria. The fee is earned at the booking stage and is not dependent on the call subsequently becoming a sale.
- 06
Does the loan pay for new lead generation?
No. The client has already paid to generate and acquire the leads. The £20,000 is used as working capital to reactivate existing, dormant contacts.
- 07
Where do the lender payments come from?
Campaign revenue and commercial margin are the expected source of the contractual payments. However, the payment obligation belongs to Simon Bennett personally and is not a direct entitlement to campaign revenue.
- 08
How much does the lender receive?
For a £20,000 loan, the scheduled payment is £2,000 after each of three monthly cycles. At the end of month three, the original £20,000 principal is also scheduled to be returned. Total scheduled payments are therefore £26,000.
- 09
Are the payments guaranteed?
No. The payment amounts are fixed contractually, but payment is not guaranteed. This is an unsecured personal loan and the lender may experience late payment, default or loss of capital.
- 10
What happens if campaign performance changes?
Campaign performance can vary according to data quality, response rates, market conditions and client payment timing. Simon Bennett's contractual obligation does not automatically reduce if performance changes, but underperformance could affect his ability to make payments when due.
- 11
What is the main risk of the arrangement failing?
The principal commercial risks are that a campaign produces less income than expected or that a client pays later than expected. Because the loan is unsecured, repayment ultimately depends on Simon Bennett's personal ability to meet the agreement. The contractual payments and capital are not guaranteed.
- 12
Where do the performance figures come from?
The figures are based on previous campaigns. Each new campaign is tested before meaningful capital is deployed. Past performance does not guarantee future results.
- 13
How old is the client data?
The leads are normally around three to six months old. The data belongs to the client and consists of people who previously enquired about its programmes or services.
- 14
Who manages the campaigns?
The campaigns are managed by experienced marketing professionals using established database reactivation systems and AI assisted SMS technology.
- 15
What reporting does the lender receive?
The lender may receive reporting covering campaign activity, response rates, qualified bookings and the financial information specified within the written loan agreement or accompanying information pack.
- 16
How are campaigns funded and billed?
The initial loan provides working capital for campaign costs, including messaging, systems and related activity. The client is billed under the agreed commercial terms for qualifying booked calls. Client payment timing can affect cash flow and Simon Bennett's ability to make payments when due.
- 17
Why are existing client leads commercially relevant?
The client has already funded the original marketing and retained the resulting data. The campaign therefore focuses on re engaging older prospects rather than paying to acquire new leads. This may reduce acquisition risk, but it does not remove campaign or repayment risk.
- 18
How is client data handled?
Campaign data is transferred and managed through controlled systems intended to limit unnecessary access to raw client data. The precise technical and contractual arrangements may vary by client and campaign, and remain subject to the client's requirements and applicable data protection obligations.
- 19
How are international campaign requirements managed?
Campaigns are operated through the client's approved brand, systems and facilities. Requirements differ by territory, so any local registration, messaging or compliance requirements must be addressed with the client before activity begins.
- 20
Is repayment dependent on the client's sales team closing booked calls?
No. The client charge becomes billable when a booked call meets the agreed qualification and billing criteria. It is not dependent on the client's sales team converting that call into a sale. However, campaign and client payment performance may still affect Simon Bennett's ability to pay on time.
- 21
Is the campaign model dependent on one speaker or education brand?
Concentration on any single client or brand is a commercial risk. The operating model can be applied to suitable databases belonging to different speaker and education brands, but diversification does not guarantee that sufficient campaigns or revenue will be available.
- 22
How are client relationships maintained?
Client relationships are supported through established working relationships, campaign delivery and operational knowledge of the client's systems. These factors may support continuity, but they do not guarantee that any client relationship or campaign will continue.
- 23
What is the longer term strategy for the campaign operation?
The current intention is to continue developing the operation over the next three years. A future sale to a third party or to a client may be considered, but there is no guaranteed exit and the lender's contractual payments do not depend on a sale taking place.
- 24
Can I introduce someone else to the arrangement?
Any proposed introduction should be discussed with Simon Bennett in advance. The arrangement is private and should not be promoted publicly. Any introduction terms must be agreed separately and disclosed clearly to the person being introduced.
- 25
Can I increase my loan amount?
Potentially, subject to availability and Simon Bennett's agreement. An increase is not automatic. Any additional amount and its terms would need to be recorded in a new or updated written agreement.