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Mon 09:37	Re: Funding	izzy bear	1


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if i was in charge, which i'm not, i would consolidate the shares, maybe 1 for 50 or even 100, then raise capital though an open offer, which in turn would increase profit on income, only my opinion. the way things are going, could break through the 0,20 by the end of the week. Has to be a big "BUY" More View thread 6 Respond Login to Vote up
Mon 09:16	Buy Re: Funding	BOWOOD


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As we know the more funding that OPM obtains the faster it grows the business and the profit it makes it can relend without any interest. The business is highly geared with increased revenues and gross profit washing over fixed overheads. Still looking for at least 0.20p and a rereating. More View thread 6 Respond Login to Vote up
Mon 08:55	Re: Funding	izzy bear


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At present you have to feel the big boys are helping OMP with their lack of lending, and helping OMP to become better established company, More View thread 6 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
Fri 11:16	Re: Funding	BOWOOD


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Agreed More View thread 6 Respond Login to Vote up
Fri 11:06	Buy Re: Funding	boredstiff


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With the big lenders still playing silly devils with loans to SMEs, 1pm is really in a good foothold to gain trust and goodwill for the long term when the big players decide to compete once again. More View thread 6 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
Fri 09:13	Buy Funding	BOWOOD	1


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Further funding will mean further business and profit. OPM look set to have a very good year to May 2014 as these further lending benefits feed through. More View thread 6 Respond Login to Vote up
10-05-13	Re: Results	izzy bear


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Yes i would agree with you, i'm not concerned with today or tomorrow, looking at 2 to 3 years time for this company to really take off, at least they have a strong base on which to build. More View thread 8 Respond Login to Vote up
10-05-13	Re: Results	BOWOOD


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I suspect they will always need to borrow as it is always good to lend other peoples money and make profit from it. But they can only ever increase the lending of their own resources from the profits they make; so if they make £1m then this can be lent without cost and if they wish to increase the Loan Book the need from funders will need to continue. The time may come when they pay a dividend which would improve investment interest but at the moment the retention of profits is the best way to enhance shareholder value. As you say consolidation will probably need to happen but this would cost money. On the other hand Iit may attract more investors rather than speculators and thus share issues which could provide permanent working capital would become more easy. In any event I feel this to be a growth company that is unfolding and will gather traction over the next couple of years by which time you may see the sp at 1p. A profit of £3m in a couple of years will give a pe of 10 at 1p. More View thread 8 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
10-05-13	Re: Results	izzy bear


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My figures were only an example BOWOOD, an example just to show that the funds they receive are offered with interest, it could well be 6% to borrow and 12% on their lending, but regardless of what the actual rates are, the time will come when the need for funding will no longer be needed, and profits will increase. If things do go well over the next few years, then lending could well increase above the £20 million mark, and then maybe they will consolidate the shares, which at 3.3 billion has to be addressed at some stage, More View thread 8 Respond Login to Vote up
10-05-13	Re: Results	BOWOOD


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I think you will find that they borrow on better terms than you suggest and lend at a higher APR and remember that about one third of what they lend costs nothing. Fees for drawing up agreements are also charged. OPM is highly operationally geared with increased revenues washing over fairly fixed costs. More View thread 8 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
10-05-13	Re: Results	izzy bear


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Although i feel this is a great little company, you have to remember, that they have to pay interest in any new funding, if they borrow at, lets say 8% and lend at 10% it equates to only 2% profit to pay wages and admin, More View thread 8 Respond Login to Vote up
10-05-13	Re: Results	BOWOOD


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Agree,but they have taken more brokers on board, have further funding to lend and demand from the SME market should improve further as the economy improves. The Loan Book could be nearer the £15m level at the end of May but even this is a small fraction of the market. Plenty of potential and profits will grow as they lend more of their retained profit where there is no interest to pay. Their business model could attract a bid and I'm sure Ron Russell will demand a decent price for his 29.9%. Looks cheap to me on a prospective pe of 10 at 0.18p More View thread 8 Respond Login to Vote up
09-05-13	Re: Results	niceandsimple


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I hope so. To quote from the interims: "...,As a result, the Board now expects 1pm's profit before tax for the year ending 31 May 2013 to be significantly ahead of current market expectations....." I warm to the "significantly ahead" aspect although am always wary of the word "expects" Cheers N&S More View thread 8 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
09-05-13	Buy Results	BOWOOD


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With the year end only a couple of weeks away a pre close statement may be on its way. In the past OPM has always been keen to post good news quickly and following an upbeat interim result I'm sure we can expect positive progress. More View thread 8 Respond Login to Vote up
03-04-13	Re: Investors Chronicle	BOWOOD


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They will continue to look for further funding in my opinion to grow the business, but profits will rise as they lend more of their retained profits. Consolidation should come at some time, but this is a well managed company in what is a growth business at the moment and I would not be supprised if the major shareholder took a profit if the right offer came along. More View thread 5 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
03-04-13	Re: Investors Chronicle	izzy bear	1


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I would say another year to 18 months till the results of their lending will be realised, making them self sufficient, with very little or no need to borrow more , with that in mind, the next step in my opinion has to be some form of consolidation, which in turn should give the company a higher profile, One to buy at a basement price and put in the bottom draw for a year or two, say's i More View thread 5 Respond Login to Vote up
03-04-13	Buy Re: Investors Chronicle	BOWOOD


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Having now read the artical in the IC I am now even more convinced that OPM has a considerable edge over UFG. OPMs recent additional funding should ensure that the second half is much better than the first six months with prospective earnigs of about 0.02p giving a prospective pe of 10 at 0.20p with morw growth to come. I'm in both but I favour OPM More View thread 5 Respond Login to Vote up
28-03-13	Re: Investors Chronicle	BOWOOD


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Is it worth a look TX2. I feel very bullish about the company. More View thread 5 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
28-03-13	Investors Chronicle	TX2


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Todays IC contains a significant 2 page spread on Smallcap lenders.1pm is one of four companies featured.May be available online as well as WH Smith reading room! More View thread 5 Respond Login to Vote up
22-03-13	Re: Re:	boredstiff


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Yes Isle of Man twinned with Cyprus and Iceland :-) More View thread 3 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
22-03-13	Re:	xfsj76


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No contest - Manx Financial (MFX) - a league apart !! Study !! Regards More View thread 3 Respond Login to Vote up
22-03-13	No Subject	BOWOOD


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Good news from Ultimate and Manx in the Mail this morning but I feel OPM has the edge by far. More View thread 3 Respond Login to Vote up
20-03-13	Buy Re: Funding	boredstiff


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I prefered paper certificates, but the dealing charges are so much higher, and with few brokers offering T+7 terms or longer it's just not an option. Don't think Crest was ever aimed to help smaller investors. More View thread 5 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
20-03-13	Re: Funding	izzy bear


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I still have my paper certificates as to many other investors, and i prefer it that way, More View thread 5 Respond Login to Vote up
19-03-13	Buy Re: Funding	boredstiff


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Good job Paper certificates are a thing of the past, imagine dealing with that lot :-) More View thread 5 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
19-03-13	Re: Funding	izzy bear	1


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Ok, so they must sufficient fundingr for now, with enough in reserve if or when required, now it would be nice to see some consolidation, as 3.4 billion shares are way to many, and distracts, i feel, fund managers from investing, Only my opinion, More View thread 5 Respond Login to Vote up
19-03-13	No Subject	BOWOOD


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House Brokers WHI have a target of 0.20p but this was well ahead of the recent fundings so we could be looking for a higher projection after the year end figures. OPM has a lot of support from a variety of funders and looks to be in a very good position. Perhaps it should be the Times "tiddler to watch" More View thread 1 Respond Login to Vote up
19-03-13	Buy Funding	BOWOOD


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Further funding means more lending. This is further good news and should help move OPM to a much higher level. More View thread 5 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
13-03-13	Buy	BOWOOD


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If the sp slips to 0.13p to buy my order will be executed providing my man is on the ball. Following the upward movement I set a new buy level. More View thread 1 Respond Login to Vote up
06-03-13	Re: Re.Rating	BOWOOD


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Now 0.15p and the prospective pe is less than10. Next range should be 0.20 - 0.25p More View thread 15 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
06-03-13	Buy Re: Re.Rating	boredstiff


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The press release stated "The loan terms are consistent with those of other funders to the Group." So I would not expect their costs to have changed substantially. More View thread 15 Respond Login to Vote up
06-03-13	Re: Re.Rating	izzy bear


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Well in 4 weeks they have secured another £1.5 million in funding, the results in Jan 13 revealed the loan book stood at £13.2 million, with the new facility plus reinvested profits, that could well increase to around £15 million plus by the next results. and approaching £20 million by the following year. My only concern is the increase in the bank over draft facility, what they are paying for it, and what return they are getting from clients, In my opinion it will take at the very least 2 more years to be self funding, with no more loans or overdrafts needed, then the profits will rise at pace, You only have to look at the last report to see profits up by a healthy 55%, lets hope that it's repeated this year. I say Buy and hold for two years, to reap the rewards More View thread 15 Respond Login to Vote up
06-03-13	Buy Re: Re.Rating	BOWOOD	1


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No dividends yet as we need to retain funds for further lending in the short term. What we need now is for the PR team and the Nomad to earn their fees by promoting OPM. IMO OPM is not for selling until the full potential of their current and positive growth phase matures and this could take a couple of years at least. At 1p the m/c would be about £33m and although that looks heady the impressive performance to date and the tremendous potential makes such a sp possible well within that time scale. I would think that OPM is unknown to most investors but this will change and once it does we can say goodby to the 0.25p area. More View thread 15 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
06-03-13	Buy Re: Re.Rating	EarlofSandwich


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We said the same thing last year and still the sp did not move up! What does a company have to do, other than make a good profit? May be offer a small dividend.. Earl of Sandwich More View thread 15 Respond Login to Vote up
05-03-13	Re: Re.Rating	BOWOOD


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It looks as if the value is being recognised at last and the run up to the year end should put the sp above 0.18p which would still be less than a pe of 10. More View thread 15 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
05-03-13	Buy Re: Re.Rating	izzy bear	1


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There were 707 million shares in 2009, now we are up to 3.4 Billion, i just hope they have sufficient funding now so there is no more dilution. This niche company is on the right track, and in my opinion has a bright future More View thread 15 Respond Login to Vote up
04-03-13	Buy Re: Re.Rating	boredstiff	1


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Good to see the new line of funding, and with billions of share in issue at a fraction of a penny, the whole world could own a share each :-) More View thread 15 Respond Login to Vote up
04-03-13	Buy Re: Re.Rating	GoldSifter


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Why do you think there will be 5 billion shares? The number of shares in issues has been c. 3.3 billion for 2 years now. The recent additional capital has come in the form loans. Anyway, I think this is great news that a very decent chunk of funding has been found. Pleased that I topped up a few more hundred thousand the other week. GL all. More View thread 15 Respond Login to Vote up Trade this long or short with an interactive markets spread betting or CFD account.
04-03-13	Re: Re.Rating	Al Presto


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Izzy, You are right, this is a small accorn of a company. In about 24 - 36 months or earlier, there has to be some form of consolidation. It this trend continues, then it is likely to 5 billion shares in 24- 36 months as any further expansion will be pinned on more funding in form of share issues. I have set my target price and will be out WHEN it is hit. All said, it is still a decent outfit. More View thread 15 Respond Login to Vote up
04-03-13	Re: Re.Rating	BOWOOD


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I do think you have a valid point izzy as such a consolidation could attract institutional investors. Any move would of course cost money although they may have it under consideration. It could also be done if there is a fund raising for more working capital or acquisition. The year ends May and the figures look set to be good but it will be next year when the full benefit of the increased funding will be seen. More View thread 15 Respond Login to Vote up New £5 frequent trader rate - trade UK shares, investment trusts and ETFs
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