Expertise

  • Business Finance
  • Business Loan Brokerage
  • business loan
  • Commercial Finance
  • SME Finance
  • Funding
  • Asset Fiance / Leasing
  • Invoice Finance
  • construction finance
  • Development Loans
  • Commercial mortgages
  • Refinance Business Loans
  • Property Finance & Re-finance
  • Working Capital
  • equipment finance
  • Vehicle Finance
  • Plant & Machinery Finance
  • Recycling Equipment Finance
  • IT Equipment Loans
  • cashflow finance
  • Startup Loans
  • Business Growth Finance
  • bridging finance
  • Trade Loans
  • Stock Finance
  • Credit Facilities
  • UK SME Loans
  • Growth funding
  • Loans
  • Finance
  • Equipment loans

Summary

Businesses rarely fail because they lack opportunity — they fail because they run out of cash at the wrong moment.

At TMS Finance, my role is to help business owners secure the funding they need to move forward, grow, and solve short-term financial pressure without wasting time.

I work closely with SMEs, contractors, developers and growing businesses across the UK to structure funding solutions including:
• Business loans

• Asset and equipment finance

• Invoice finance and factoring

• Property development funding

• Commercial mortgages

• Bridging finance

• Working capital facilities

 Through our network of specialist lenders and private funders, we can often secure funding far quicker than traditional routes.

 Many of the businesses I help come to me when:

• A bank has declined their application

• They need funding quickly to secure an opportunity

• Cash flow is tight because money is tied up in invoices

• They want to release capital from assets or property

• They are scaling their business and need growth funding

 My background working with business owners, construction companies and property developers means I understand the personal  pressures businesses face when cash flow becomes a barrier.

TMS Finance focuses on clear advice, fast responses and practical funding solutions rather than complicated financial jargon.

 

If you are a business owner, developer or adviser working with clients who need funding, feel free to reach out — I’m always happy to explore options.


Experience

  • TMS Finance

    Director
    1 - 5 Employees 2015 - Current
    TMS Finance

    TMS Finance

     


    I work with business owners across the UK to arrange commercial funding solutions tailored to their business needs.

     


    My role involves:

     


    • Structuring finance solutions for SMEs

    • Securing funding through a network of specialist lenders

    • Supporting businesses with growth funding and refinancing

    • Helping companies improve cash flow through invoice finance

    • Arranging asset finance for vehicles, equipment and machinery

    • Assisting property developers with bridging and development loans

     


    TMS Finance works with multiple UK lenders and specialist funding providers, enabling us to source competitive solutions quickly.

     


    We pride ourselves on practical advice, fast responses and building long-term relationships with our clients.

  • Asset Technology

    Director
    21 - 100 Employees 2022 - Current

    Asset Technology is an IT Asset Disposal (ITAD) and technology lifecycle company. Businesses like this typically handle:

     


    Secure collection of redundant IT equipment (laptops, servers, networking equipment, etc.)
    Certified data destruction (to meet GDPR and security standards)
    Refurbishment and resale of IT hardware
    Recycling of electronic waste
    Asset tracking and compliance reporting for companies disposing of IT equipment.

     


Qualifications

Commercial Finance Brokerage

Asset Finance Structuring

SME Lending Solutions


Interests and Hobbies

Business growth

Property development

Construction industry

Entrepreneurship

Finance and investment

Networking with business owners


Email Phil Rigney

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