Expertise
- Asset Finance
- Asset Finance VAT Loans
- bridging finance
- Business Loans
- Buy to Let mortgages
- Commercial mortgages
- Debt Consolidation Loans
- equipment finance
- Farm & Agricultural Mortgages
- HMO Mortgages
- Holiday let Mortgages
- Invoice Discounting Finance
- Invoice Factoring Finance
- Invoice Spot Factoring Finance
- Landlord Finance
- Merchant Cash Advance
- MUFB Mortgages
- property refurbishment finance
- property development finance
- Property Portfolio Mortgages
- Revolving credit facilities
- Serviced Accommodation Mortgag
- Short Term Let Mortgages
- start up finance
- Trade & Stock Finance
- Trading Business Mortgages
- Vehicles & Machinery Finance
- VAT & Corporation Tax Loans
Summary
I am a commercial finance broker, but I do not work in a transactional way.
My role is to act as a strategic advocate for business owners who need funding when timing, structure, or credibility really matter, or when previous approaches have not worked.
Most finance problems are not really about money. They are about risk, structure, timing, and how a business is understood by people who do not run it day to day. I focus on getting that right.
How I work
I manage the funding process end to end. That often involves restructuring business plans, challenging assumptions, preparing lenders properly, and coordinating accountants, solicitors, surveyors and valuers so things happen in the right order.
I would rather do the hard work upfront than try to rescue a poorly prepared application later.
My background in management, project delivery and coaching means I approach finance as a process to be managed, not a form to be submitted.
Translating business reality into lender language
Business owners live in the real world. Cash flow pressures, seasonality, legacy decisions, growth stretching systems, and founders doing too many roles at once.
Lenders live in a different world. Credit policy, risk mitigation, and evidence.
My job is to translate between the two without hiding problems or dressing things up. When lenders properly understand the business, decisions are clearer and outcomes are better.
My non‑banking background, including agriculture and commercial sales, helps me understand how businesses actually operate, not how textbooks say they should.
What clients tend to value
Clients often describe me as persistent, thorough and straight talking.
I will say when something is not fundable yet and what needs to change to make it so. I am focused on long‑term business health, not quick commissions.
Many clients come to me after frustration elsewhere and stay because they want someone who will take ownership of the problem and see it through.
Who I am best suited for
- SME owners who have been rejected or let down by high street banks
- Property developers needing structured or multi‑layered funding
- Agricultural and rural businesses where understanding assets and cycles matters
- Founder‑led businesses at points of growth, change or restructure
If you want a hopeful yes, I may not be the right broker.
If you want someone to pressure‑test the plan, manage the process properly, and advocate for your business, I can be very effective.
Experience
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Wattsford Commercial Finance
Principal Broker
- Current
