About
Have you ever wondered what happens to businesses that cannot obtain finance…
Services
Articles by David
Activity
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A recent survey says that property investors are increasingly looking at Multi Unit Freehold Blocks (MUFB) as their next investment. The yield and…
A recent survey says that property investors are increasingly looking at Multi Unit Freehold Blocks (MUFB) as their next investment. The yield and…
Shared by David Farmer
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Definitely feeling re-energised after the Gatwick Diamond Business event Key takeaways were: Resisting eating marshmallows for five minutes if it…
Definitely feeling re-energised after the Gatwick Diamond Business event Key takeaways were: Resisting eating marshmallows for five minutes if it…
Liked by David Farmer
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Thank you so much Sally Brown, Mandi Lloyd and Keeley Macconnell for inviting me to speak at Gatwick Diamond Business's Re-energise Event…
Thank you so much Sally Brown, Mandi Lloyd and Keeley Macconnell for inviting me to speak at Gatwick Diamond Business's Re-energise Event…
Liked by David Farmer
Experience
Education
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Birmingham City University
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Activities and Societies: Remote learning and mature student undertaking degree in financial services
I studied via University of Central England to achieve the then Chartered Institute of Bankers (now IFS) Banking Certificate with the qualification of CertCIB (now DFSM)
Licenses & Certifications
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AIFS
Institute of Financial Services
Issued -
Associate London Institute Banking & Finance
The London Institute of Banking & Finance
IssuedCredential ID ALIBF -
The London Institute Banking & Finance
LIBF Centre for Digital Banking & Finance
Issued Expires
Volunteer Experience
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Entrepreneurs Academy
Reigate & Banstead Borough Council
- Present 5 years 9 months
Education
Providing knowledge and learning on commercial lending, grants and access to finance as part of Reigate Council's 'Entrepreneurs Academy' workshops delivered at East Surrey College. The workshops are designed to assist local businesses in their growth and development.
I deliver a section on the course covering lending and sources of finance, this is done on an annual basis. -
Donor
DKMS UK
- Present 5 years 10 months
Health
Every 20 minutes someone in the UK is diagnosed with a blood cancer such as leukaemia, lymphoma or myeloma. Only around 30% of people with blood cancer find a matching donor within their family.
If you have two minutes please have a look, it could save a life
https://youtu.be/QyB686Gnbbg
https://www.dkms.org.uk/en/register-now -
Blood Donor
NHS Blood and Transplant
- Present 16 years
Health
For the cost of an hour every 14 weeks, for those who can and have no ethical objections then why not? Good for the soul to know you have helped someone in someway
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Fundraiser
Alice House Hospice
- 3 months
Health
Fund raiser through various events, fantastic cause and amazing support provided to a loved one which I am keen t repay.
Publications
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Essential Guide To Crowdfunding
Lime Consultancy
Crowdfunding, or peer to peer lending is a fast growing route for companies to raise finance. Crowdfunding offers advantages in terms of speed, spread of risk and appetite to lend, over traditional bank finance.
The challenge with any new innovation in financial services is that there is always a lag of take up and a hesitancy among businesses to get involved. All pretty understandable.
This guide to crowdfunding is designed to showcase what crowdfunding is, provide a basic…Crowdfunding, or peer to peer lending is a fast growing route for companies to raise finance. Crowdfunding offers advantages in terms of speed, spread of risk and appetite to lend, over traditional bank finance.
The challenge with any new innovation in financial services is that there is always a lag of take up and a hesitancy among businesses to get involved. All pretty understandable.
This guide to crowdfunding is designed to showcase what crowdfunding is, provide a basic understanding of peer to peer lending and then invite more detailed questions.
The publication is provided on video to ensure it meets the widest possible readership and is in a format which encourages participation.
For more details about crowdfunding then contact Lime Consultancy on 01293 541333 -
Late Payments Hurt Small Businesses
Microsoft BizTalk Daily
Contributor of articles and research, latest article attached
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Why Business Loan Agreements Are Like Findus Lasagne
Sales Surgery Local
Article about the content of business loan agreements and the lack of client understanding, in particular focusing on the finer issues within, and the risks this exposes to the client.
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Strategy Execution
Sunday Telegraph - Business Reporter
Contribution to the press publication on strategy, concentrating on the impact of poor planning and why business planning goes wrong for small businesses.
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Why is it so difficult for companies to borrow?
Freelance Advisor
Outline brief on why businesses find it hard to access traditional borrowing, the common pitfalls and best practise based on industry expertise
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The Risk of Bank Renegotiation
On Line
Highlights the risks of unknown or less obvious clauses in lending agreements, it raises the dangers of not fully appreciating the powers the lender has
Courses
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ADI
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Advanced Defensive Driving
Driving Standards Agency
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Advanced Negotiating
HSBC Internal
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Finance of International Trade
HSBC Internal
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Franchising lending and management
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IOEE Mentoring
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Projects
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A Guide to Bank Lending
- Present
We were asked to provide a presentation to a business group on why obtaining bank finance is so challenging. We started by getting the issues out in the open, then revealing a few secrets about what banks really mean
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Alternative Business Loans
- Present
This project was about looking at the broader options for raising business finance, being open to ideas and in seeking the most suitable deal for our client
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Turnaround Finance
- Present
This was a project where our client had been declined finance for a new project, however with a fresh perspective, some good honest discussions and a change of focus we managed to get the company's lending sanctioned
Honors & Awards
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'Deal of The Year' and 'Broker Innovation' 2021 NACFB National Awards
NACFB
National commercial finance awards, nominated by our peers and shortlisted for 'Deal of The Year' for a great deal put together that saved our client £000's, and 'Broker Innovation' for our work using SMS and Email Systems to enhance client communication and feedback post loan completion. Over the moon.
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Boutique Financial Advisory Firm of the Year 2015
Wealth & Finance Magazine, 2015 Finance Awards
For Lime Consultancy. Awarded the title of 'Boutique Advisory' of the year in recognition of the work done to help SMEs obtain finance and the work done in the alternative business finance space.
By offering mainstream and niche business finance solutions Lime Consultancy can offer distinctive USPs through being able to source lending where others have failed.
This award recognises the breadth of options we have sought to offer all our clients. -
Boutique Finance Adviser of the Year 2014
AI Finance Awards
Awarded 'Boutique Finance Adviser' of 2014 in the Acquisition International business awards. The award was made to myself as Lime Consultancy. The award recognises my work in seeking niche and innovative commercial finance solutions for SME businesses.
The notion of 'boutique' refers to my acceptance that the commercial lending sector has changed and that the level of advice companies require has moved forward. This includes the funding solutions available and that businesses need more…Awarded 'Boutique Finance Adviser' of 2014 in the Acquisition International business awards. The award was made to myself as Lime Consultancy. The award recognises my work in seeking niche and innovative commercial finance solutions for SME businesses.
The notion of 'boutique' refers to my acceptance that the commercial lending sector has changed and that the level of advice companies require has moved forward. This includes the funding solutions available and that businesses need more options and advice then ever. -
Crowdfunding Independent Specialist Adviser of Year 2014
M&A Awards
Crowdfunding is a growth business finance source in the UK. Recognised for the level of specialist advice and guidance offered in the crowdfunding sector. Recognises work done to help businesses secure crowdfunding, successfully complete crowdfunding campaigns and to secure essential business growth funding.
A national award which demonstrates a commitment to move with the times and to embrace new ideas and funding innovation. -
Small Commercial Finance Provider of 2013
Acquisition International Magazie
Awarded small commercial finance specialist of the year by Acquisition International Magazine. This recognises the work done with small businesses and how I have helped them to access business finance, crowdfunding, commercial mortgages and invoice finance in a simple and hassle free manner.
Lime Consultancy was set up for this very purpose and this recognition is testament to the hours of work spent moving toward the goal of making business finance simple.
The award also…Awarded small commercial finance specialist of the year by Acquisition International Magazine. This recognises the work done with small businesses and how I have helped them to access business finance, crowdfunding, commercial mortgages and invoice finance in a simple and hassle free manner.
Lime Consultancy was set up for this very purpose and this recognition is testament to the hours of work spent moving toward the goal of making business finance simple.
The award also recognises the broad product offering we provide to the small business sector. Business finance is the hardest at the sub £2m turnover bracket, with companies looking to borrow between £10-£150k being the hardest hit.
The business finance offering of Lime Consultancy has been recognised for it's work in London, West Sussex, East Sussex, Surrey, Kent and Hampshire. -
AIFS
Institute of Financial Services
Associate of Institute of Financial Services. The Associateship is awarded to qualified financial professionals who have the academic and real world experience in financial services. A background in banking practice, credit, risk and commercial finance.
Formal qualification awarded by IFS -
Start-Up Loans Scheme - Approved Mentor
Government Start-Up Loans Scheme
The Government backed Start-Up Loans Scheme is set up to help 18-30 year old entrepreneurs form their own businesses. The scheme provides funding to enable these businesses to happen, alongside that funding is ongoing business mentoring and guidance, which is what we will provide for start-ups in the Sussex area.
This is purely voluntary work, but the fact that I have been nominated and approved for this support is a huge statement of trust and official stamp of approval. -
MIOEE - IOEE Business Mentor
Institute of Enterprise and Entrepreneurs
Associate status to the IOEE which recognises my work in the business sector and adds credibility to my abilities as a business mentor.
Part of continued professional development which enables me to give more back to my clients, it also enables me to offer young enterprises 2 hours free mentoring each month as part of the government initiative. -
Chartered Institute of Bankers cCIB
Chartered Institute of Bankers (now IFS)
Employer sponsored qualifications from the Chartered Institute of Bankers, professional recognition of abilities in the finance arena. Studied from 1991-1997 to achieve. Now a full member of the IFS and IFS Alumni.
Organizations
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Gatwick Diamond Business Association
Member
- PresentMembers of The Gatwick Diamond Business Association from 2015 onwards. Placing Lime Consultancy among the good and the great of the Gatwick Diamond area.
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NACFB
Full Member
- PresentThe NACFB is the primary industry body for all commercial finance specialists in the UK. Providing voluntary regulation and continual professional development it is the core requirement any business should be looking for when working with a business finance specialist. Find us on the NACFB website at - http://www.nacfb.org/find_a_broker.html?searchPostcode=rh10+9se&searchAuto=1&action=search&x=-1253&y=-520 Read about our membership at http://www.limeconsultancy.net/blog/2013/03/26/nacfb
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4Networking
Group Leader
- PresentGroup Leader for a leading networking group in Kent. The Edenbridge group is a growing and active collective of businesses who work together. The group has grown steadily over the past 4 months and is now a networking event of choice for many businesses in the Sussex/Kent region.
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Chestnut Tree Hospice
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Regular competitor in the Annual 'Santas on the Run' fundraising initiative for a fantastic childrens hospice in Sussex. Dressing up as Santa and running a few miles every Christmas, who wouldn't?
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Town Allotment and Horticultural Society
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Dedicated to improving horticultural activities and home growing of produce for consumption and donation to local good causes. Based around a local allotment society, using combined skills and knowledge of all members, promoting activities and generating further interest in horticulture.
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