Meet the team...

The strength of any business is in the team behind it, those with the responsibility for the delivery of the end product to the client. I am lucky to have have put together a strong team and one that is really working effectively. My 20 years banking experience, followed by 7 years away from the corporate rat-race has given me a broad skill-set. 

My partner, Matt Burgess can call on 10 years experience in the retail/wholesale industry and is well aware of the constant struggle when it comes to cash flow; the industry is renowned as being tough with both low margins and long payment terms. Since moving into finance he has realised that alternative finance has the solutions to these issues which are holding so many businesses back, all of which seemed impossible to solve previously unless you wanted to hand the keys to your family home to the Bank Manager.

At Lucid Commercial Finance, our team specialises in solving finance problems for businesses by using a unique panel of lenders and approaches to raising finance. We charge nothing for our services because we are so confident you will want to work with us many times over the lifetime of your business. We created our business to solve your day to day finance problems.

We have relationships with hundreds of funders away from the high street banks, all of whom have a real appetite for lending. Finance has modernised considerably in the last few years, as has retail. We also very often find that, with a quick review of current borrowings within businesses, we can improve what is currently there and save the business time and money. All for no fee.

If you feel we could help, we would love to talk to you:

Money caught up in invoices?

This is a very common problem. The most common solution is using invoice factoring firms. Although this works, having been the other side of the desk before, I know how much time this takes, and with the extra charges just how expensive it can be.

There are now many different solutions to releasing cash from your invoices which can involve absolutely no daily admin and also without the need of a trust account, so your customers will not know the facility is in place.

Don’t have enough cash flow to order enough stock or fulfil orders?

This is probably the most frustrating problem. Many businesses are doing fantastically well but could do so much better if cash was available to purchase the necessary stock. There are several solutions again to solve this which does not need to be time consuming or expensive. From supply chain to trade finance there are many solutions we can put in place for you to solve your stock problems with both UK and International suppliers.

The business is growing quickly and my cash flow is being affected?

Most businesses will speak to their Bank Manager every few weeks, only to have lending requests declined for many different reasons. Luckily there are many funders in the market with cash to lend at very sensible rates for this very problem and without the considerable red tape that exists within the banking system. Money can be within your account in a week with anything from £5k to £500k being lent per business.

Whether the above problems apply you whether you would like us to supply your business with a no obligation finance health check we would love to hear from you