NACFB: On the record

On the record

The voices that shaped your trade body

To mark both the NACFB’s 30th anniversary and this very magazine’s 100th issue, we’ve collated a selection of 100 voices that have helped shape the Association and form what it is today.

The collection of insights and reflections on the impact of the trade body features NACFB Members, Patrons, Partners, and the head office team, alongside representatives from other trade and industry publications. The selection is by no means exhaustive, for there

“I hoped to use my NACFB membership to further my credibility and recognition in the industry and gain access to varied lenders. Since joining, I have been more appreciative of the structures it has allowed me to implement within my business. Being part of the NACFB community has supported my business growth and elevated my network in ways I had not anticipated. I particularly enjoyed the annual NACFB Expo and look forward to meeting lenders and peers there again this year.”

Michael Savage, Channel Finance are many more individuals that have helped steer the course of the Association in the three decades it has helped to empower UK SMEs, but it provides a healthy sample size of perspectives.

In a nod to the NACFB’s 1992 foundational year, this compilation of analogue insights is cassette themed, with the collation representing something of a lovingly curated mixtape; pulling together and uniting elements from across the entire industry. Much like the NACFB itself.

“I treated joining the NACFB as part of the infrastructure in setting up Finance House Solutions Ltd, however it was not until a year later having moved from appointed representative to directly authorised that I realised the true value of being part of the Association. I have used the compliance and training services to enhance my firm’s standing in the marketplace, clients welcome the fact that as part of the NACFB I am not only maintaining my professional service standards but I am also encouraged to persistently raise them.”

Perminder S. Ghataore, Finance House Solutions

“For me personally, the NACFB is a community where brokers and lenders come together to deliver the best service and products available to the SME market. Being a Member of the Association enables me to tap into a wealth of experience, knowledge and assistance whenever I need it. The annual NACFB Expo is one of the best attended events in the calendar and is certainly the most worthwhile. It’s a privilege to be involved in the continuing evolution of a really effective trade body.”

Amanda De Courcy, NACFB Board Director

“Over the last five years, there is no doubt that the industry landscape we continually navigate has evolved dramatically. Challenging times and regulatory changes have meant the NACFB’s reliable industry voice is all the more appreciated. From sales through to marketing, the Morning Briefing has provided wider market insights that play an integral role in supporting our business. It is this, combined with compliance guidance and unity in the form of shared opinion, that drives best practice and supplies us with direction.”

Tom Perkins, Charles & Dean

“I am so proud of my colleagues at the NACFB and how we have worked together through the challenges of COVID over the last few years. Since joining the head office team four years ago, I have witnessed first-hand the fantastic achievements the trade body has delivered whilst continuing to grow the organisation in the right areas to support our Members. I believe having great people coupled with an understanding of the membership, powered by a desire to succeed is why we are here now celebrating 30 years of doing just that. Here’s to another 30 years – but I do hope to have retired within the next ten!”

Caroline Boughenou, NACFB

“Norman, James, and the rest of the NACFB crew have been on hand to offer advice, provide an external opinion or help us contextualise strategy. Their compliance support has been key to the development of our business and kept us ahead of the curve with regards to major regulatory events like the motor finance review. Membership of the NACFB has given us credibility, and a voice with the really big players in this marketplace, including the regulator, insurers, and many major banks.”

Tony Smith, Creative Funding Solutions “For me, the NACFB isn’t defined by the amount Members deliver each year for UK SMEs. Nor should it be measured by panel sizes or the wealth of Patron product ranges. It should instead be marked by the quality of engagement and collaboration between brokers and lenders. Those foundational relationships underpin everything we do and sustain the Association’s ability to adapt over time. This drives the trade body’s long-term staying power and continued resilience.”

Kieran Jones, NACFB

“Having spent 44 years in the commercial finance industry, I am proud to be a director of the NACFB. My varied experiences have enabled me to give something back to the industry by working as part of a strong team. We have helped increase knowledge and influence government policy with lenders in tandem. In turn, this has helped our Members be the best that they can be by ensuring that we are both setting and delivering the highest possible standards to clients and lenders alike. Moreover, I’m the only board director supporting a proper football club, the mighty Crystal Palace FC.”

Mike Deacon, NACFB Board Director

“From the first class support the Association gives to its Members in navigating the regulatory, political, economic and social changes, to the excellent Commercial Finance Expo and the brilliant annual Patron Awards & Gala Dinner – a must attend for many across our sector – the NACFB continues to be both a supportive and forward-thinking Association. Happy 30th birthday!”

William Lloyd-Hayward, Brightstar “The NACFB’s Morning Briefing is one of my first reads each day. I find it an excellent way to find out what lenders are offering and keep abreast of industry updates. On numerous occasions we have picked up new lenders from the briefing, set up with them and completed deals for customers that we would otherwise have missed out on.”

Nick Ray, Claratus Commercial Finance

“The NACFB has been with me all the way in my professional journey in the world of commercial finance. Starting as a broker, for me the NACFB was not only a recognised standard for professionalism of the industry, but a source of information for the finance community. When I moved over to the lender side, and subsequently became a Patron lender, I saw first-hand the benefits of an industry body and a relentless drive to improve quality standards.”

Mike Underwood, Adsum

“We feel proud to be part of the NACFB and the trademark of quality it represents. Our growth journey has been similar to the evolution of the NACFB over the past years and we’re a keen advocate of the high standards that they drive. Events such as the annual award ceremonies and NACFB Expo have given us access to a family of lenders that want to support our clients and the connections that being part of the trade body bring really drives our business forward.”

Steve Barrett, South West Business Finance

“We recognise how important it is for any business to invest in enhancing the profile and reputation of its industry. This is particularly true in non-regulated markets, such as commercial finance, where trade associations take on a more crucial role in upholding high standards and so we see membership of the NACFB as an integral part of our business that helps us to grow our market and explore new opportunities. It also provides a valuable channel of communication with lenders and enables more open and constructive dialogue right across the sector.”

Michelle Westley, Brightstar “My passion for and involvement with the NACFB stretches over 23 years. I proudly recall organising the sponsorship from Patron Aldermore, back in 2010, which enabled the Association to relocate from Exeter to London. My proudest memories were being chief executive, working with the team to restructure the business. Lenders and brokers alike need a trade body to lead from the front in professional standards for our industry and the NACFB has been ever present over the last 30 years.”

Rob Lankey, Chordis Capital

“Commercial finance enables businesses to invest and grow, helping to deliver jobs across the country. Brokers are an important part of the lending process, providing expertise to help businesses find the right finance options that best suit their needs. Through the NACFB, UK Finance and our members have been able to foster stronger relationships with commercial brokers and collectively deliver the best support for customers. This was particularly crucial during the pandemic, where the NACFB played an essential role in what was a rapidly evolving situation.”

Stephen Pegge, UK Finance

“When I think of the word ‘association’, I think of networking, connecting, and conversation. These three words are key in all that we do as a business and being a Member of the NACFB facilitates that. Reflecting on the last two years, everything was online. We were itching to meet our brokers face-to-face again, but couldn’t. Our first in-person event since COVID-19 was the NACFB Expo in 2021, and it kick started those much needed in-person conversations again with our valued and expanding broker network.”

Ian Duffy, Accelerated Payments “As a new employee of the NACFB, I can wholeheartedly say that I have never felt more welcomed and accepted by a team as I have done since joining. The Association is a brilliant place to work where everyone is very friendly and accommodating. The level of support provided to its Members and Patrons really is second to none and it’s no different when it comes to its employees. There is no doubt that the Association’s success will continue.”

Samera Sadique, NACFB

“Cambridge & Counties Bank values highly its long-term relationships with commercial finance brokers. Along with our direct customer base, brokers are at the centre of our business model and growth strategy. The relationship with the NACFB has allowed us to build new partnerships and further develop existing ones, and we see the NACFB and its Members as key stakeholders in our ambitious, client-centric UK expansion programme. Looking ahead, we look forward to building on this momentum and these underlying partnerships.”

Simon Lindley, Cambridge & Counties Bank

“We have been a Patron of the NACFB for many years and it is great to see the Association going from strength to strength. Virtually all our business comes from brokers and many of these are NACFB Members. A good broker makes all the difference to the case – good broking and good lending practice generally result in more cases completing more quickly! Here’s to the next 100 issues of the magazine.”

Daniel Sproull, Devon & Cornwall Securities

“Membership of the NACFB enabled us to make the smooth transition to FCA approval. The Association further helped to widen our network of reputable funding partners and improve our technical knowledge. I think that the era of single adviser practices is drawing to a close; but, I am sure, that the NACFB will continue to assist us on our journey forward and our evolution as a business.”

Sarwan Ghatoura, Montana Corporate Finance

“The NACFB Expo is always a highlight of the year for me – last year didn’t disappoint as we didn’t have a spare minute on the stand, talking to brokers new and old. In fact, if anything, it was too busy! I was trying to find a quiet corner to do a virtual interview and it proved harder than it would have at other events, note to self, don’t book in other meetings when at this best-in-class Expo!”

Jamie Pritchard, Glenhawk

“The NACFB and Alternative Bridging are both 30 years old this year and over the last three decades they have together been firm fixtures in a short-term property lending market which has evolved to deliver a much broader range of solutions for commercial finance brokers and their clients. During that period, the Association has played a vital role in raising and maintaining standards, benefiting customers, intermediaries, and providers alike. The sector is stronger with such an effective trade body at its heart.”

Jonathan Rubins, Alternative Bridging Corporation “The NACFB offers an inclusive and supportive network for funders and intermediaries to connect and grow together, which has been invaluable to Time Finance over the years. The NACFB has really evolved over time, building itself up to becoming an integral part of our industry. A great memory for us was at last year’s Commercial Finance Expo which gave us the first opportunity to showcase our new brand to the market and to connect with our industry.”

Joe Ralphs, Time Finance

“I’d been aware of the NACFB since 2010 when I joined the industry but the day that the very first edition of Commercial Broker landed on my desk really made me take notice. Fast forward a few years and here I am, not only working at the NACFB but writing for the magazine. So far, it’s been a great experience which has broadened my knowledge and deepened connections such that peers are now friends. Thanks NACFB.”

Jenny Barrett, NACFB “As a bank for charities, we are a niche lender and an organisation that has only lent for ten years. Because of our unique outlook being a Patron of the NACFB has been a real asset in helping us grow in the sector we operate. It has been a delight for both us and NACFB Members to see the amazing work our loans deliver. Real banking with purpose.”

Scott Newman, CAF Bank

“Having only recently joined as a Member, we have continued to use the materials and guidance to improve both the knowledge and competence of our adviser network. The NACFB is very much a family, and the support as well as continuous involvement of new lenders has helped us expand our proposition to clients. Being part of the NACFB has so many benefits, and I would encourage those that haven’t signed up as yet to speak with the supportive team who have been instrumental in John Charcol taking the next step in our development journey.”

Nicholas Mendes, John Charcol

“I have only recently had the pleasure of joining the NACFB, from the offset it was clear the company prides itself on continually wanting to do better for the Members, Patrons and employees. I’m excited to be involved with the organisation’s future and to see the continued development of its offering and events output.”

Ellie Eastway, NACFB “One of the early adopters of our service, the NACFB instantly recognised the innovative nature of what we were doing and have encouraged us on our journey and supported us wholeheartedly in spreading the word with their Members. It’s a partnership built on insight, honesty, trust and adding real value to their Members and we’re proud to be an Associate Patron! Congratulations on 30 years, here’s to many more.”

James Piper, Lightbulb Credit

“We have been a Patron of the NACFB since 2010, we love how they pull the industry together effortlessly at events and appreciate the knowledge and support offered to us at any time. The daily bulletin has been a great addition, plus the refreshing broker magazine itself has changed the game in my view. Great work over the last 30 years and I look forward to many more as a Patron lender at Funding Circle.”

Jeremy Crinall, Funding Circle

“With Ultimate Finance celebrating its 20th birthday and with the NACFB turning 30, that’s a lot of collective years committed to supporting the funding needs of SMEs through the broker network with events, lobbying, awards, benchmarking, and surveys to name a few. As a Patron, we’ve enjoyed a fantastic relationship with the NACFB, bringing high quality brokers and lenders such as ourselves together to support business ambition. We look forward to many more years of keeping business moving together.”

Adrian Stalley, Ultimate Finance

“Trade associations play an important role in any industry, helping to raise standards, defend reputations and represent the interest of our customers when it comes to regulatory changes. As an association representing short term mortgage lenders, our interests naturally dovetail with the NACFB and its membership of commercial finance brokers and we have been proud to work in partnership on a number of important issues over the years. We are particularly keen on progressing a deeper level of education for all participating in our market sector. We look forward to continuing this aligned approach to further the interests of our industry into the future.”

Vic Jannels, ASTL “Business Funding Expert operates in the non-regulated lending market but that doesn't mean I should not keep proper records. Membership of the NACFB has helped me with templates covering subjects such as GDPR, commission agreements, complaints policy and initial disclosure documentation to name but a few. I've instinctively rallied against encroaching rules and regulations but in today’s litigious world I believe you owe it to yourself, your colleagues, and your customers to show you do things correctly, professionally – and more importantly – honestly. My NACFB membership helps signify that I am doing just that.”

Gordon Duffy, Business Funding Expert

“Setting up our business in the midst of the pandemic presented many challenges. Our ethos and that of the NACFB are very similar and we were very keen to ensure that we embraced the highest industry and regulatory standards to provide an outstanding proposition to our clients. The NACFB Code of Practice has aided this process as it provides confidence to our clients who can clearly see that we are part of a recognised trade body.”

Paul Stamp, Ultimate Funding Solutions “I recall my first NACFB exhibition in 2010, in the credit crunch era. It was like a wake with literally a few tables of sausage rolls and quiche in a small room and everyone looking shell shocked. In many ways this was my important memory as I had just started my business but didn’t feel alone. Fast track to today and the annual NACFB Expo is like the Mardi Gras, a fantastic tribute to the hard work of everyone involved.”

Andrew Pritchard, Simple Commercial Finance

“NACFB membership has been of immense benefit to us. Apart from gaining access to the Association’s Members and having opportunities to meet them and demonstrate our proposition on the road, or at the always well attended and organised NACFB Expos, the principal bonus for us has been the credibility that membership offers. It is clear that being able to say that we are a Patron has only added to our appeal among brokers, including those who are not themselves NACFB Members.”

Narinder Khattoare, Kuflink

“My highlight simply has to be pulling pints at the Ortus pub stand at the NACFB Expo in 2017. It was a hot day and perhaps unsurprisingly we were the busiest stand of the day!”

Richard King, Ortus Secured Finance

“We have been NACFB Members for over 16 years and it is great that our industry has a professional body that represents its Members on so many fronts. The fact that the standards remain so high have certainly helped to solidify and enhance the reputation of the industry as a whole. The fact that the vast majority of the board run brokerages also enables them to understand what makes a good broker and brokerage, which is great to see.”

Darren Willoughby, 2XL Commercial Finance “As an alternative lender, Business Enterprise Fund (BEF) works closely with NACFB Members to deliver finance to businesses who are unable to secure finance from high street lenders. Brokers play a vital role in introducing us to the businesses who need our help the most. This was clear during the recent COVID-19 pandemic when we worked hand in hand with brokers to support a record number of clients. Brokers continue to be key partners as we work to support businesses during this recovery phase.”

Stephen Waud, Business Enterprise Fund “Being a Member of the NACFB has afforded me credibility for my business and the comfort of belonging to a recognised industry trade body. I often tell clients I’m FCA regulated and part of the NACFB and this provides peace of mind to prospects and the wider professional community. I appreciate the work they do lobbying government to further support SMEs and I know their voices are being heard. I love the daily bulletin that comes out each day and I regularly use industry news to share with clients, which can lead to winning business.”

Tamara Renshaw, Synergy Commercial Finance

“As a new lender in the marketplace, our partnership with the NACFB has been crucial in terms of the expertise and counsel they offer us, as well as providing a powerful platform to help us reach and build strong relationships with advisers. Like Recognise, the NACFB shares a passion to promote the importance of brokers in business and commercial finance, as well as a desire to further improve the quality and the professionalism of the sector for the benefit of all our customers.”

Angela Norman, Recognise Bank “It's been great to see the NACFB grow over the years, bringing a much-needed sense of community to the industry and brilliantly bridging the gap between brokers and lenders. They are a trusted voice that challenge on key issues and open the door to new opportunities. The NACFB have also been a great support of Allica Bank. And are also pretty good at throwing a party, the Annual Gala Dinner is one of my favourite industry events of the year!”

Charissa Chang, Allica Bank

“One of the first things I arranged back in 2018 when I launched VIBE was our NACFB membership. Being in a non-regulated space, it was important for us to be part of the Association whilst demonstrating the minimum standards. The support we’ve received since has been amazing. Winning the Rising Star Award at the 2019 Gala Dinner will always stay up there as one of my best memories. I’ve since been elected as a board director, I can’t wait to see what we can collectively bring to shaping the future of the NACFB.”

Kim McGinley, NACFB Board Director “The NACFB has been great at educating, campaigning, and sharing best practice ideas so that simple funding solutions are better understood and accessible to the market. I am proud of our NACFB membership which has been held since 2017, and this Association is certainly the gold standard for trust and professionalism when offering commercial solutions to our customers. The team and I at Crystal wish the NACFB continued success and encourage any intermediary or lender operating in the commercial sector to join the community.”

Jason Berry, Crystal Specialist Finance “KSEYE greatly values our partnership with the NACFB, which has aided us in forming strong relationships with many high-calibre property finance brokers. Working with qualified brokers ensures a reliable flow of business and provides reassurance that information they provide is accurate and that clients are treated in a professional and timely manner. Having good quality introducers speeds up transactions - something particularly important for bridging finance. We look forward to continuing to develop relationships with new and existing NACFB Members.”

Charles Creak, KSEYE

A big congratulations on your 30th anniversary and on the 100th edition of the Commercial Broker magazine from the team at Tradeplus24. I have worked with NACFB over the last three years via multiple lenders and the NACFB has never failed to provide a bridge between the brokers and the lenders. The NACFB has a very special place in the heart of many salespeople when it comes to the NACFB Commercial Finance Expo in Birmingham, plus the cherry on the cake with the end of year Gala Dinner. Keep up the great work!

Kevin Vendel, Tradeplus24 “We have seen the NACFB play an important role for brokers and Patrons alike throughout our 25 years as a Member – particularly in terms of how that support results in the sector better servicing the needs of UK businesses. In a field where knowledge and expertise are so vital, being a Member of the NACFB gives our wider audience comfort that we are trustworthy, professional, and adequately ratified to add true value to their business.”

Evette Orams, Hilton-Baird Group “Avamore Capital has been a Patron of the NACFB since 2016. Over the years, we have benefited from a wealth of events and opportunities to swap ideas and collectively tackle challenges across the industry. As a kitemark of quality for both brokers and lenders, it encourages accountability and a commitment to high operating standards across the deal chain. As the industry grows, the NACFB remains a fundamental part in its future; we look forward to seeing the power of the network expanding.”

Sabinder Sandhu, Avamore Capital

“The ever-evolving world of real estate, both regarding regulation and transactional trends, impact our thought process into how as a lender we adapt our products and criteria. NACFB Members have their fingers on the pulse as to where the market is moving and therefore the synergies between us as a lender and the Members help keep us at the forefront. Having previously won the Short-term Lender of the Year award, the NACFB has always been an Association that has been close to our hearts and helped in massively raising our profile.”

Tomer Aboody, MT Finance “The Association did an amazing job during lockdown of keeping the industry connected. But the 2021 NACFB Expo and 2021 NACFB Broker Awards – the first major in-person events since restrictions were largely lifted – were such a brilliant opportunity to meet face-to-face for the first time with so many of the brokers Allica started working with since we launched to market in early-2020. I challenge anyone to find so many brokers in one place at the same time anywhere else.”

Garry Wilkinson, Allica Bank

“The NACFB has given us access to a vast number of brokers that we may not otherwise have been able to reach, given that we’re currently a relatively small player in the commercial lending market. We have significant aspirations for growth over the next five years that will be driven by launching several new products over the coming months and providing lending across multiple asset classes. The contacts that the NACFB provides will continue to be hugely valuable to us.”

Gareth Davies, Hodge Bank “I’ve worked with Norman and the team for many years and seen the reputation of the Association go from strength to strength. Their annual NACFB Expo is the absolute pinnacle of excellence and it speaks volumes that we send our entire sales team as we’ve found it invaluable for making new contacts and networking. For any brokers in the commercial space, this is absolutely the best place to have your voice heard and to get the right support to build your business.”

Adrian Moloney, Precise Mortgages (part of OSB Group) “The NACFB has formed a key part of our broker support journey as their credibility and professionalism goes such a long way within the commercial lending sector. They’re widely recognised as the best conduit to form relationships with new brokers and as a trade body they’re proactive in their approach for change and raising issues that need to be addressed. We really enjoy working with the team and wish them every success for the future.”

Emily Hollands, InterBay (part of OSB Group)

“I am extremely proud to be a part of the commercial finance industry. The breadth of knowledge, experience, and expertise across this industry is astounding. Each client’s requirements, objectives, and circumstances are slightly different and mirroring that each broker is slightly different and therefore unique. What a wonderful industry to be a part of! A broker once told me, “Commercial finance brokers do not only provide a matchmaking service but are marriage counsellors too.”

Erica Meredith, NACFB

“The NACFB welcomes Members of all shapes and sizes to feel part of a collective and acts as a mouthpiece to communicate key messages and issues to the wider market. This value was highlighted during the pandemic when interaction with lenders, the British Business Bank, the Bank of England and other government bodies became so critical.”

Tom Bamber, 2XL Commercial Finance “The NACFB provides us with access to great training material, advice, and support. Here at Cornerstone Finance Group, we use the NACFB Morning Briefing as a key part of our communication strategy in our commercial finance team and as a prompt to regularly contact key Patrons and funders. Not to mention, the opportunity to attend the annual NACFB Expo is an absolute must for the entire team.”

Haydn Thomas, Cornerstone Finance

“The NACFB is an extremely useful provider of practical compliance support. We have drawn extensively on its wide range of sales documents and guides, which are free to all Members. We have so far had two audits of our business processes, one at the very beginning of our membership which was on site, and a second review carried out last year remotely. On both occasions the quality and thoroughness of review was excellent, and the nature of feedback very constructive.”

Martin Swann, Try Financial

“Since becoming Patrons of the NACFB in 2016 we’ve transacted increasing business volumes with Members in each successive year. There is no doubt that for us it has been a positive partnership that has enabled us to reach a wide audience of introducers who have demonstrated commitment to high standards in their business dealings. It has also enabled us to ‘put something back’ in order to try to further improve the outlook for finance brokers and the customers they serve.”

Robert Keep, Amicus Asset Finance “As a recently appointed Patron lender, time will tell, but our first impressions are that the phones have rung – a lot. We are proud to associate with an organisation such as the NACFB – a kitemark of credibility in the industry. It validates our efforts to build a non-bank lending platform in the UK and confirms credibility in our relatively specialist offering. We look forward to broadening our offering to NACFB Members in the coming months and to the phones ringing even more.”

Richard Boyle, BC Invest

“The NACFB is one of the most respected organisations in the commercial industry, and being a Patron enhances our brand as a leading specialist lender. The Association’s Commercial Broker magazine allows us to inform the market about our products and services, and provides an unbiased platform for thought leadership from our experts. Our inclusion in its panel discussions, and access to its market insights and data are invaluable for us as we strategically grow our business for the future.”

Sundeep Patel, Together

“Watts Commercial Finance Ltd are proud Members of the NACFB. Our beliefs and passion to bring the highest possible standards to our industry are perfectly aligned. Couple that with our outstanding lender relationships that are enhanced and supported by our membership, add in the amazing training and compliance support and you have a winning recipe. The Association has grown, developed, and improved dramatically during our membership and we look forward to working with the NACFB for the next exciting decade and beyond!”

Phil Gray, Watts Commercial

“As a proud Patron of the NACFB and winner of the ‘Socially Responsible Lender of the Year’ award for two years running, Unity Trust Bank would like to congratulate the Association on its 30th anniversary and the 100th edition of Commercial Broker. The NACFB attracts a range of high-quality, reputable brokers and intermediaries and we’ve been delighted to work with so many Members to ensure community-focused businesses have access to affordable finance. We look forward to many more years’ collaboration.”

Linda Martin, Unity Trust Bank

“I am incredibly proud to be part of the journey that continues to see the NACFB evolve into a modern-day trade Association. Its strengths lie in an incredible resilience and a steadfast determination which has seen it come through the banking crisis in 2008 and weather the storms of a global pandemic. I have no doubt that further challenges will lie ahead. However, with great people within our community, I know that Members, Patrons, and partners will continue to flourish and remain integral to the UK economy in supporting small businesses.”

Norman Chambers, NACFB Board Director

“We joined the NACFB as its first Associate Patron in 2018 and since then we have valued and enjoyed working with the Members, Patrons, and their clients. The Association has proven to be a critical organisation in the commercial finance landscape, bringing together all market participants to help small businesses access finance and trade through the significant market headwinds faced over the last two years. The NACFB has given us a great platform to share our insights, products, and services.”

Todd Davison, Purbeck Personal Guarantee Insurance “There’s a great deal of professional pride in the way UTB shows up for the NACFB Expo. I believe a stand is a great bellwether not only of how a business is performing but the importance it puts on those attending. Our relationship with NACFB and its broker Members has played a key role in UTB’s growth and success and maintaining those strong bonds is vital. We’re delighted to be returning once again, meeting old friends, and making new ones.”

Mark Stokes, United Trust Bank

“Closely aligned during the last 30 years, the partnership between the NACFB and Business Moneyfacts has been both productive and enjoyable. In an industry where reputation is key, the NACFB should be proud of their standing in the sector as they continue to lead the drive for higher standards. On a personal level the NACFB staff members (past and present) are always a pleasure to work with and I look forward to maintaining these key relationships moving forward.”

Lee Tillcock, Business Moneyfacts

“As part of the NACFB trade body, Rainstone Money has gained a level of credibility and professional notoriety, evidenced by the increasing number of clients that have approached us since joining. As commercial brokers, we now rely on NACFB to source new lenders and products, keep up-to-date with the latest rate changes, as well as develop a broader understanding of the financial market as a whole.”

Grace Woolerton, Rainstone Money “As an intermediary-only lender, becoming a Patron of the NACFB in 2021 has boosted business volumes with Members in search of an agricultural funding specialist. Before becoming a Patron, we attended the NACFB Expo as delegates and always found it a great way of meeting our peers in the commercial finance arena. In 2022, we will exhibit at the Expo for the first time and very much look forward to introducing ourselves to the wider NACFB community.”

Robert Bourn, Farm Finance

“I started working at the NACFB eight years ago, when the team were known as the famous five, and today, we have 19 staff. I am the first point of contact onboarding to the membership, and it is always great to meet those same Members and Patrons in-person at our events. The membership continues to grow year-on-year and every day we receive requests to add additional brokers and support/admin staff who can enjoy the benefits of membership. I am proud to say that we remain by far the largest independent trade body dedicated solely to commercial finance professionals.”

Ann Walsh, NACFB

“Back when I joined the NACFB in 2013, the head office team was made up of just five staff members. The organisation was just settling in its new home after moving from Exeter and the annual yearbook was being sent out. There were piles of books in the office and a conveyer belt system to write seal and stamp the envelopes. Fast forward to 2022, we are now a team of 19 and growing, and our correspondence, information, and even some events are slicker and available online. We’re evolving.”

Lorraine Jones, NACFB

“As a former Chair and founding Member of the NACFB, I have seen first-hand the progression of the organisation, the compliance support it provides, and the great relationships it helps to foster between brokers and lenders. At Omega, we fully support the ethos of the NACFB and have been a Member since our own formation – recognising the importance of shared professional expertise. As the Chair of the Bridging Committee for the last three years, I’m delighted that both Omega and the NACFB have been able to celebrate 30 years in business together.”

Kevin Jones, Omega Group

“As a new lender offering a specialist approach to buy-to-let lending and bridging loans, membership of the NACFB is invaluable for Monument as it provides us with access to a broad selection of brokers who are both active in our market and have also demonstrated a commitment to high standards and customer focus. We have made use of the editorial opportunities to raise our profile and establish our strong credentials, and this has enabled us to hit the ground running, forging strong working relationships that have meant we have already been able to deliver solutions to many happy customers.”

Conor McDermott, Monument Bank “The NACFB has been an integral stakeholder in the development of the short-term lending industry, becoming an essential conduit between brokers and lenders. As well as becoming a staunch advocate for the lending industry, the Association has been at the forefront of promoting communication and education within the industry. Its events, highlighted by the annual NACFB Expo in Birmingham, are seen as industryleading events and a ‘must attend’ for both brokers and lenders alike.”

Matthew Anderson, Arbuthnot Specialist Finance

“NACFB or Business Money? 1993, join NACFB, or launch Business Money? I did both and was an honorary Member. I had early day, lender boardroom access, and promoted NACFB vigorously as a dedicated, but fun-loving team, one that took the Association forward. I received an NACFB Lifetime Achievement Award in 2003: a hint to retire? One I ignored! Congratulations to those pioneers, some no longer with us, and those that seized, and now carry, the torch to light up what we see today.”

Bob Lefroy, Business Money “Having been a Member of the NACFB since our origin in 2014, we highly value our association – enjoying the many sponsored events and contributing to success stories in our industry over the years. Our journey from broker to lender means we rely hugely on the success of the brokers and intermediaries we serve. Our industry has become more innovative, and the NACFB has been at the forefront of this change. We celebrate its contributions and are proud Patrons.”

Mark Lester, Renaissance Asset Finance

“The NACFB has been a touchstone for me all throughout my career. I’ve been lucky enough to work for a number of lenders and with some excellent teams. Wherever I’ve worked, the NACFB brings a consistently professional approach to broker relationships. The NACFB team have always been a first port of call for any technical questions and always essential in helping build relationships with old and new broker contacts for me.”

Mike Davies, YBS Commercial

“I am lucky enough to work on Commercial Broker magazine. The first edition I was involved in was the January 2019 edition, ‘Issue 66’ – the first edition of the rebranded, refreshed, renamed, ‘Commercial Broker’ magazine. Thirty-four editions later, I am still as proud, if not prouder, to work on the publication as I was back then. It remains a magazine filled with an inspiring mix of education, insight, and opinion.”

Laura Mills, NACFB

“In my early days and months with the NACFB, a lot of the talk was about the future and how the NACFB was looking to move forward with the times. The great thing for me, is that is exactly what we are doing. Constantly looking at ways to improve our systems, processes, and membership offering to ensure we are giving our Members and Patrons the best membership experience possible. Saying something and doing it are two very different things. The NACFB is definitely doing what they are saying.”

Rob Levitt, NACFB

“In my time at the NACFB I’ve seen our Association grow in so many ways. I’ve seen the team around me grow from a mere six in 2015 to the 19 we have today. I’ve seen the number of Members we serve, and indeed the ways in which we serve them, expand and diversify. And perhaps most importantly, I’ve seen a thriving commercial finance community grow in both output and esteem. I feel incredibly proud to work with such an amazing team, supporting such a vital sector.”

Nicholas Murphy, NACFB “Being part of the ongoing journey from my early years of involvement with the NACFB when it was based in Exeter, is an incredible honour. I am especially humbled by the way Members have continued to support our trade body as it evolves. Embracing the regulatory changes in our sector, supporting our minimum standards reviews, and championing our training and educational activities. The Association and its Members have never shone so brightly, at a time when UK plc needs us most.”

Paul Goodman, NACFB Chair

“In the five years I have worked at the NACFB, I have witnessed continued professionalism, determination, and successes of our Members; they continue to be the beating heart of the commercial finance industry. This to me, then means the NACFB represents a badge of honour, a kitemark, providing assurance to the SME community that their interests are supported, to the highest possible standards.”

James Hinch, NACFB “As a source of knowledge and reassurance for myself growing into the industry the NACFB has been invaluable. Be it the morning round up of the financial news (saving me an FT subscription) to the ease of on hand support when you just need to ask someone a silly question, the NACFB has been there for me to lean on.”

Nick Chwiej, Acorn To Oaks Financial

“In the surrealness of 2020, where everyone’s lives changed and the lines between work and home life blurred – we won at the inaugural NACFB Commercial Broker Awards. We sent bottles of Champagne to each team member to enjoy whilst watching the virtual ceremony, never really believing we would win. When we were announced as winners – we were stunned! This has definitely been our highlight. The prestige from winning the award greatly assisted our new business generation during such unprecedented and challenging times.”

Ed Ogden, Knox Capital

“I find the help and support of the NACFB for new and established brokers is vital to support the work we carry out in the intermediaries market. I have been involved with the NACFB Expo at the NEC which is a great opportunity for both lenders and introducers to come together and share a wealth of knowledge in the financial sector.”

Kate Silcock, Lloyds Bank “I have been involved with the NACFB for a number of years now, and the NACFB Expo at the NEC is always one of the highlights of my year. It’s a great opportunity to catch up with my broker contacts, and to make new connections. I get a huge amount of value from attending the event, there’s always such an energy in the room and a fantastic insight into the market in general.”

Jason Farren, Lloyds Bank

“As a youthful specialist lender to the market the NACFB has supported us throughout our journey helping to showcase our milestones and provide insight to its Members. NACFB has always provided a high level of support, advice and education for both Patrons and Members and this can be seen by the quality of its audience. We also use NACFB compliance training for our staff to ensure they are up to date on industry knowledge and requirements.”

Elise Coole, Keystone Property Finance

“Joining the NACFB family has really benefitted Mercia. The NACFB is renowned in the business and finance communities for its professionalism and our experience with this Association has only cemented its good reputation. Its Morning Briefing always contains valuable observations and industry insights. The NACFB is well-known for its network of financial professionals, and the many new relationships we’ve formed with other lenders and brokers since joining has certainly been to our advantage as a funder.”

Sarah Hex, Mercia Asset Management

Becoming an NACFB patron was transformational in the growth of Blackfinch Property. It triggered an immediate and material jump in the number and quality of new enquiries and contacts. Our first attendance at the NACFB Expo in 2019 provided the next step-change and we make sure we have a stand every time. The Association has become an important forum for us in understanding how the market is addressing issues and new ideas. This was particularly important when we all had to adjust to the pandemic. The annual Gala Dinner, where we have been fortunate to be shortlisted in the last three years, has become a key event for us to thank our NACFB brokers for their support in the usual manner.”

John Hartigan, Blackfinch “At Apex Bridging, the NACFB has provided the opportunity for us to work with other professionals to build strong relationships within the sector. We like the transparency of the NACFB because we treat all our customers fairly. As we’re a small firm, we’ll never be a household name because we’re niche, but the support of the Association has given us the ability to demonstrate our credibility. The NACFB also ensures we’re up to date with news issues and developments.”

Sonia Shortland, Apex Bridging

“TREC Associates has been involved with the NACFB and has been one of its original full Members since its inception in 1992. We have seen many positive evolvements over this journey and time. The bringing together and representing of brokers, the promotion of Patron lenders, and the compliance support has been paramount. With the hosting of various annual events, it is always good to catch up and network with other industry professionals as well. It is good to see the NACFB still leading from the front. A big congratulations for the 30th year milestone and long may it continue.”

Tony Roberts, TREC Associates “As a small but growing commercial broker, the NACFB has played a pivotal part in our success to date. It has enabled access to lenders and support services more quickly than we might have achieved independently. We certainly appreciated being shortlisted for SME Champion of the Year 2021, and the awards ceremony was a great team builder after a year of CBILS and BBLS! As a professional body, they are active in the market supporting our cause – a huge benefit!”

Lucy Painter, Funding Round

“The bridging sector’s unregulated status gives lenders flexibility to deliver innovative solutions at pace, free from unnecessary red tape. However, it also raises questions regarding trust and quality. The NACFB is a valuable organisation in helping drive up standards and address those concerns. Having been part of the NACFB for many, many years, MFS has benefitted from being able to connect with brokers through a shared understanding that we adhere to extremely high standards and have a reputation for serving their interests and those of the borrower. The NACFB instils confidence and, by working closely with both lenders and brokers, continues to fuel progress in the commercial finance sector.”

Tiba Raja, MFS

“The team at the NACFB has always welcomed commercial lenders with open arms, which is a trait we value at REIM Capital. Each time we attend the NACFB Expo, we immerse ourselves in networking opportunities and enjoy lots of laughs with over 130 fellow exhibitors. With maximum loans of £15 million, commercial bridging is a key service at REIM Capital, and we view NACFB as a positive way to unite lenders and brokers. Here’s to many more years of the Association!”

Kunal Vaitha, REIM Capital

“When I started as operations manager, I was completely new to the industry, the NACFB has been amazing and helped me establish myself within the role. Working with Erica and the NACFB has enabled me to build confidence, understand expectations and receive support varying from terminology and definitions to templates and advice on reporting. The business has peace of mind that compliance training is from a trusted provider and that we have access to support and resources when needed.”

Emma Traynor, Acorn Business Finance

“I’m immensely proud to see NACFB reach 30 and privileged to have been involved in so many memorable events over the years. Taking stock, the growth of the Association is impressive both in terms of coverage and the quality of support provided. As was the case with their predecessors the current leadership team are continuing to build a lasting legacy that benefits its membership, their clients and the UK economy as a whole.”

David O’Hare, Lloyds Bank

“We have been a Patron of the NACFB for many years and during that time have built a number of fantastic relationships with broker Members. It is brilliant to be a part of something, which plays such a significant role in ensuring bridging finance is considered as a leading option in today’s lending sector. Congratulations to the team at NACFB for achieving this milestone – we look forward to continuing be a part of your journey in the future.”

Jonathan Sealey, Hope Capital “I've worked with the NACFB for most of my career, and it's been brilliant to become even more involved as a business development director at Allica. I have particularly enjoyed discussing future funding as part of the Patrons’ Engagement Group, with a special focus on the environment. Having two young kids, this is a real passion project for me, and the work the NACFB is doing to promote environmental matters in financial services is both essential and very welcome.”

Stephen Spinks,Allica Bank

“Our brokerage was set up by both of us in 2018 to provide commercial and residential mortgages to SMEs. The NACFB is our most important partner since joining in 2019. The NACFB has been invaluable in providing us with both support and advice within the compliance and regulation space, its endorsement has been second to none for our business.”

Mayuri Bhalsod & Naheed Niazi, Bhalzi Consultancy

“Having joined the NACFB just under a year ago, it’s certainly been an interesting first year, one which has included some unique industry challenges. The NACFB made the decision to forge ahead and deliver in-person events in a very uncertain time. With the combined challenges of COVID-19 and a national petrol crisis to contend with I have been proud to be part of the team that delivered the first NACFB Expo post-lockdown. I look forward to developing and delivering great events in the future on behalf of the NACFB.”

Rebecca McGarrity, NACFB “As one of the founding brokers with the NACFB, it is our privilege to have been able to watch its evolution into a financial services community, facilitating how business works. Its Code of Practice drives trust and professionalism; one of my own clients reflected that our NACFB membership gave us credibility and kudos, and provided them with reassurance about working with us, especially when dealing in a non-regulated part of the industry. This direct positive impact on our clients shows how our business continues to benefit from working alongside the NACFB. Plus, they throw the best party every year!”

Jeni Browne, Mortgages for Business

“The NACFB gives us great insight into the market through the regular newsletter and magazine. Featuring in the magazine has been a great opportunity for us to showcase how we can support brokers. We attend the Association’s events which are a great opportunity to meet many of our brokers which helps to deepen relationships. I was lucky enough to attend the most recent Gala Dinner which was a fantastic event celebrating the growth of the commercial broker market.”

Allan Gillson, Lloyds Bank

“The NACFB is about a lot of things, but it strikes me that the heart of the success is the value of the people involved. The enthusiasm and passion for the industry from the board; the dedication and commitment from the growing head office team; the buzz at all the events from Members and Patrons catching up, socialising and networking. A genuine collective desire to lead, develop, change and ultimately deliver for UK SMEs.”

David Newborough, NACFB Board Director

“Working in partnership with brokers and their SME clients is at the heart of the way we work at Praetura Asset Finance. Being a proud Patron of the NACFB strengthens and enhances that relationship, offering a platform that no other association could offer in quite the same way. Becoming a Patron was one of the first things we did when PAF was founded. Much has changed since, but the NACFB has developed and grown. We’re excited for the next chapter!”

Ric Simmons, Praetura Asset Finance

“In our 25th year, Kingsway Finance is proud to be a long serving Patron of the NACFB. Our close link with the NACFB has enabled Kingsway to establish relationships with a great number of brokers throughout the UK. Whether it be advice with compliance or regular updates on industry issues and developments the trade has been vital to the success of Kingsway. The NACFB Expo is the first thing in our diary every year and long may it and the Association continue.”

Mike Day, Kingsway Finance

“As a NACFB Patron, Redwood Bank receives a host of benefits including access to an unrivalled directory of UK leading commercial finance brokers. The quality of contacts, varied events, and communication platforms all help to deliver Redwood’s ‘it’s about time’ promise. With fast decision-making and quick turnarounds we use staff experience, skill and knowledge rather than AI, working alongside NACFB to be the business bank that supports both brokers and their SME clients.”

Gary Wilkinson, Redwood Bank “As a co-founder, the NACFB has been an invaluable source of insight and support to me personally and to us as a business. It was with some trepidation that I turned up to my first Expo last year but any concerns I had soon evaporated within the warmth of its welcoming atmosphere. It was great to spend time with brokers, Patrons and the NACFB team – I left convinced that we should be part of it. Look out for our stand this year!”

Hector Macandrew, Hydr

“When Fleximize first opened its doors, the NACFB was exactly what you needed as the new kid on the block. We were immediately introduced to their valued Members and fellow lenders, and we’ve continued to learn and develop through its rich and diverse network. Whether through its events programme or publications, the NACFB is brilliant at getting the right people in the right place at the right time. When it comes to relationshipbuilding, you couldn’t ask for more.”

Peter Tuvey, Fleximize “Our membership of the NACFB has enabled us to continue strengthening our relationships with brokers meaning that, together, we can better serve borrowers. It’s a friendly, supportive community that really works in partnership with Octopus. The NACFB is on the ball with industry news and developments, and we love that we can attend their events including conferences throughout the year to further our commitment in making the lending process as pain-free as possible for brokers and their clients.”

Steve Matthews, Octopus Real Estate

“The NACFB is a well-respected and trusted commercial finance trade body, one widely relied upon for professional development, business support and guidance. At Empire Finance, we value authentic relationships, and we appreciate the NACFB as a key facilitator in the overall connectivity between ourselves and lenders. The annual NACFB Expo is a great event for this! It is these relationships, coupled with up-to-date industry news delivered through Morning Briefings, that supports us with providing an informed and professional service to our clients.”

Jo Sutton, Empire Finance “Shawbrook has worked alongside the NACFB ever since our inception over ten years ago, supporting the Association across a variety of important initiatives to assist the broker market and its diverse range of customers. We have made so many connections and friendships over the years with a group of people that share our passion for the development and growth of our industry in a sustainable and societally productive way. Happy 30th to the wonderful NACFB team, and we hope to continue working closely together into the future.”

Neil Rudge, Shawbrook Bank