B2B Cashflow Solutions

Whole life-cycle commercial finance in support of businesses of all shapes and sizes.

B2B Cashflow Solutions Ltd is a privately owned independent commercial finance, business banking and financial project-management consultancy.

Our Directors offer over 75 years combined experience in the business banking and commercial finance sectors, having each enjoyed successful careers with several of the major commercial banks and finance houses.

Nick Flower:

Nick’s background includes roles in the commercial lending sectors on behalf of Barclays, RBS, and Bank of Ireland.

He brings experience to the brokerage market derived from his role as Manager of the ‘in-house’ broker propositions at Mills Manufacturing Group now based out of Leamington Spa.

Nick's ‘hunter’ role within B2B delivers Asset Finance and Invoice Finance direct to market, and he is responsible for managing the development of existing relationships with B2B’s growing customer base. Naturally his role also derives opportunities for ‘whole-life’ financial solutions on behalf of our ‘Consultancy’ business.

Nick also trained as a Magistrate (JP).

Simon Reynolds:

Simon, who was previously part of the team which set up Clydesdale Bank in Norwich, has 25 years experience in the commercial financial and business banking markets including RBS and HSBC. Simon also specialises in Marine mortgages.

Professionally accredited to assess lending risk in the commercial sector, Simon's key role within the business is in project-managing ‘packaged’ finance solutions on a consultancy basis for our clients.

Many of these clients are referred to Simon from the Commercial Banking teams, Accountants, and Independent Financial Advisers (IFA's) where a more flexible or innovative approach may be required.

Within his role Simon is continually researching the markets for new solutions, and developing the relationships with new and existing professional Partners to complement, and benefit, the 'whole-life' financial cycle of a business.

Ian Hart:

Ian is attributed with bringing Simon and Nick together 20 years ago within his regional role with the Royal Bank of Scotland based in Norwich. Ian went on to set up Bank of Ireland’s first East Anglia regional team before taking on the national role to develop the bank’s products and service throughout the UK

A natural Manager, Ian is responsible for the relationships with our Associates, and our introducing dealers, vendors, and manufacturers from all over the UK.

His 'resource intensive' role includes the preparation of incoming proposals, negotiation of terms and pricing with our substantial suite of commercial lenders, and the completion and processing of the finance contracts and ancillary paperwork to ensure timely delivery of the funding where it's needed.

Throughout, Ian monitors our panel of over 20 funding Partners to ensure we have the appropriate mix of lenders to accommodate the substantial variety of applications received on a daily basis.