Commercial Finance Experience

A2B Financial Services was established in July 2015 by Keith Tennant.

Keith has extensive knowledge of the Commercial Finance industry, having worked over 40 years for a major High Street bank, he spent the last 20 years of this working in the Commercial sector, mainly helping business owners to raise finance and enable them to expand.

Following a lengthy service with the bank, Keith was offered a six month contract with Access to Finance – part of the Growth Hub in Manchester. The objective here was to help businesses in the North-West prepare to ask for investment (either debt or equity) and help them understand an ever changing economic sector.

During his time with Access to Finance, Keith learned a great deal about what was then classed as the alternative or secondary finance market. Upon completion of his contract with A2F Keith decided to set up A2B Financial Services, with A2B representing an “Alternative to Banks”.

In July 2016 Keith obtained FCA authorisation and is fully regulated by the Financial Conduct Authority.

An Alternative to Bank Finance

Prior to 2008, if one bank decided to lend you money, another bank would also offer finance on almost identical terms. In the present financial climate, with banks having to constantly manage and review sector exposure and capital ratios (not to mention cut backs on staff and branches) each lender has its own agenda in relation to its lending policies. As a result, this makes it more difficult than ever to source suitable funding.

Accessing the right type of finance at the right time and on the right terms – and maintaining this over the longer term – requires knowledge, skill, creativity, effort and planning. This is where A2B Financial Services can help.

A2B are wholly independent and have access to a whole range of lenders from property investment, development funding, commercial mortgages for own use, invoice discounting, asset funding, cash flow lending and equity investments.

The market is changing rapidly, whilst Banks are still rigid in their policies and take time to react, the new lenders provide funds rapidly, sometimes within hours. A2B aims to ensure we are up to date with such changes and provide access to any new lenders who become available.

Complete End-to-End Service

A2B will take you through the whole application process. This will involve sourcing the best lender for your needs and providing you, in most instances, with alternatives. Any discussions with the lender, where necessary, will be taken care of for you making the process as simple as possible and leaving you to continue running your business without any unnecessary distractions.

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