Phil Padgham, Managing Director, possesses over 30 years of extensive experience in invoice finance. His career encompasses both independent and bank-owned sectors, where he has held senior roles in critical operational functions. These include client and risk management, facility structuring, and new business development. His combined technical and commercial acumen enables him to develop tailored solutions that effectively address clients’ strategic objectives. This expertise is particularly valuable in complex scenarios, though his commitment to delivering exceptional service extends to all client engagements.

Chris Falby, Regional Sales Manager, has cultivated over 20 years of experience in providing financial solutions to SMEs based in the South East. His understanding of the local business landscape has enabled him to build a strong network of contacts and a reputation for delivering tailored funding packages. Prior to specialising in independent finance, Chris honed his financial expertise through a career in mainstream banking, where he managed advance facilities. Chris recently published an article in Steer your business magazine where he discussed “The Death Valley Curve”, a period where new businesses fail.

Suzanne, our Client Manager, brings over 20 years of invoice finance expertise to her role. Having held diverse operational positions within both large banking institutions and the independent sector, she is uniquely positioned to deliver exceptional client service. Her career began at NMB Heller before she transitioned to the independent market 13 years ago to focus on client-centric solutions. Suzanne oversees all client relationships and daily operations, supported by a dedicated team of client executives and credit controllers.