About Mike
Mike’s 30-year career in the banking sector was driven by his desire to help people build their creative or business visions, which was what he did.
But like all things, times change. As banks became computerised, as digital credit scores started to make the decisions, human connection, empathy and understanding stopped being part of the financial process. And with this, access to fair funding.
The Banks continued closure of Branches, from over 15,000 in 1986 to just 5,100 in 2023, has had massive impact on SME’s funding options.
In 1992, UK Banks lent around £39.5 Billion to SME’s, 1998 £36 Billion, it was also noted that total External Finance for SME’s was made of 60.6% Bank Lending, HP around 16% with the balance made of Family input and insignificant amounts of Equity. By 1995 – 97, the first two figures had changed to 47.4% Bank Lending, HP around 27%.
In Q 2 2024, Bank Lending was now just £4 Billion.
In 1997 SME’s with 49 or fewer Employees made up 40% of all SME’s, but in 2024 SME’s with 49 or fewer Employees make up 99.2% of Total SME’s, being around 5.45 M out of 5.5 M SME’s
All the above has seriously impacted on the potential for people to find fair finance, which I have seen from direct experience, in the last 5 years.
He especially looks to work with Enterprises where Sustainability and Circular Economy principles are key factors.
He can also provide a Fully Integrated, feature laden and accurate financial Projections inc P & L, Balance Sheet, Cashflow, Funds Flow, taking the options way beyond an Excel Spreadsheet.
In addition, in his far-reaching Network, he has contacts who have skills in helping create teams, if needed, provide the right levels of Legal, Insurance, Bookkeeping, Accountancy etc.
For those with a powerful business idea, but without any in-roads to the proper funding, he could be the missing piece that you are looking for.
And whether you are new to the business world, or a seasoned veteran, Mike’s unparalleled knowledge and experience can offer insight in ways you never thought possible.
Create the structure.
Implement the strategy.
General Business Consultancy
Wide range of Network Introductions
Fundraising Options
Pitch Decks / Business Plans
Professional Guidance / Mentoring
Interview Coaching
Team /Personnel Consultancy
Financials
Full Professional Indemnity Insurance is in place.
Services
Notable projects
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iPowerz
A project led by a University Professor looking to change the way businesses can seek support. iPowerz needed advice about the process and how they might secure and structure funding.
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Fielder
This project made it easier for businesses and individuals to find flexible and fairly paid work. Mike provided an independent overview of and insight into all processes involved.
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Ninety Four Finance
The company required insight and guidance to help them become the best in the UK. Mike also helped them to bring together a vast array of partners.
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Community Alliances
Amongst other things, Mike helped this project to secure a range of new partners and opportunities, which paved the way for two promising grant applications.
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New Water Project (Portugal)
Mike is assisting this world-changing project by opening meaningful routes to funding and assembling a full team to drive the project into and beyond its next phase.