When a lender advertises or offers an interest rate, is that really the full cost of borrowing?

In this episode of Business Finance Matters, David Grosse and Trevor Pirie explore one of the most misunderstood areas of business finance, the true cost of debt finance.

Many business owners focus solely on the headline interest rate, but the actual cost of finance can include lender fees, intermediary fees, arrangement charges, and other costs that are not always obvious at first glance. The discussion examines how these charges arise, why some lenders apply them, and whether they are always fair and transparent.

David and Trevor also consider why some lenders charge fees instead of increasing the interest rate, how fees can help avoid early settlement penalties, and why pricing often reflects the risk of defaults within a lender's portfolio.

The episode asks some important questions:

• Are lenders doing enough to make the total cost of borrowing clear?
• Are intermediary fees always reasonable and proportionate?
• Should there be limits on the fees that brokers can charge?
• Is it better for intermediaries to charge clients directly for their expertise, rather than through lender commissions?

The conversation also tackles the confusing language used throughout the finance industry. What do words such as APR, yield, flat rate, and rate per £1,000 actually mean? How can business owners compare finance products when lenders use different methods of presenting their pricing? Is interest calculated daily, weekly, or monthly, and why does that matter?

As always, David and Trevor focus on helping business owners make informed decisions. They explain why understanding the full cost of finance is just as important as securing approval, and why working with an experienced business finance professional, including members of The Guild of Business Finance Professionals, can help ensure every cost is clearly explained before any agreement is signed.

If you've ever wondered what you're really paying for when you take out business finance, this is an episode you won't want to miss.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

Join David and Trevor as they examine whether the relationship between lenders and homeownership remains fit for purpose, or whether the industry needs to adapt to support the next generation of UK businesses.

For decades, homeownership has often been viewed by lenders as an indicator of financial stability. For many business owners, owning a home has made it easier to access business finance, particularly where a personal guarantee is required.

However, the UK has changed over the past 20 years or so.

Homeownership continues to decline, with a growing proportion of people choosing, or having no option, to rent. In fact, the UK is moving closer to countries such as Germany and Switzerland, where renting has long been the norm rather than the exception.

So, should lenders continue to place so much emphasis on whether a business owner owns their home?

In this episode, David Grosse and Trevor Pirie explore whether traditional lending criteria still reflect today's economy. They discuss why many lenders continue to favour homeowners, whether this approach is disadvantaging new start and small business owners that are suppose to be providing the lifeblood of the UK economy, and if the lending market needs to evolve to reflect changing demographics.

The discussion also considers whether new and existing lenders have an opportunity to rethink their credit policies, particularly as more first-time entrepreneurs and small business owners enter the market without owning property.

For start-ups and SMEs, understanding how different lenders assess applications has never been more important. While some lenders still place significant weight on homeownership, others are taking a more flexible approach. 

Knowing the difference can have a major impact on securing the right funding. Therefore, ensuring that business owners seek the best professional guidance, is a case in point in this episode.

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To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, David and Trevor discuss a topic that has become a major concern to many members of The Guild of Business Finance Professionals and other industry stakeholders.

Both discuss the concern regarding the growing number of business owners that are being exposed to an increasing volume of online advertisements, emails and marketing campaigns promoting business finance debt options. 

While these messages often present funding as quick, simple, and easily accessible, the reality is very often, far more complex.

They explore how aggressive digital marketing combined with modern online consumer behaviour is shaping the way businesses access finance. They discuss the concerns around misleading messaging, the use of oversimplified language and the growing number of advertisements swamping business owners every day. 

Members of the The Guild of Business Finance Professionals are reporting a growing number of cases where businesses receive multiple approaches from lenders and brokers, creating confusion and increasing the risk of poor financial decision-making.

The conversation examines the impact on vulnerable business owners with limited knowledge of the funding marketplace. 

Following COVID-19, concerns continue to grow for businesses entering short-term high-cost borrowing arrangements and mulitiple loan situations, from platforms that make access to debt appear effortless.

With no regulation or best practice guidance governing these marketing practices, important questions are now being asked across the sector.

How can businesses be better protected? 

What role should lenders, broking intermediaries and professional advisers play? 

Would clear signposting and mandatory disclaimers directing SME business owners to seek independent guidance from qualified finance professionals before taking any form of debt finance assist?

As David and Trevor discuss, there is an undoubted need for greater transparency, improved financial education and stronger support mechanisms to enable business owners make informed borrowing decisions.  

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

What does "best practice" really mean in today's business finance landscape, and why is it more important than ever?

In this episode, David & Trevor explore the principles that should underpin every business finance journey. From understanding a business owner's objectives and financial position to identifying the most suitable funding solutions...more importantly, they examine the process that should be followed to achieve the best possible outcome for UK business owners.

They discuss why the finance process must always start with a comprehensive understanding of the business and its owners. What does "best-fit" finance look like? In their opinion, no finance application should be submitted to a lender without first carrying out a full assessment of the business's financial circumstances.

The conversation also addresses growing concerns within the market that some brokers and lenders may not be adhering to the fundamentals of best practice, potentially leaving business owners exposed to unsuitable options and poor outcomes. 

Both highlight the fact that unless effective signposting is maybe available to the qualified and ethical business finance professionals, standards will contniu3d to fall across the industry.

Finally, they explain how business owners can take control of their financial journey by engaging with The Guild of Business Finance Professionals and accessing guidance from professionals committed to delivering best practice, transparency, and best outcomes for the business owners...and lenders!

Whether you're a business owner seeking funding, a finance professional, or simply interested in raising standards within the industry, this episode provides valuable insight into what good practice looks like and why it matters.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, hosts David and Trevor explore why the lending market is packed with so many different lenders, and why each one operates with its own approach to underwriting and risk.

They discuss the growing challenges business owners face when applying directly to lenders, or working with the wrong brokers, and how this can often create more setbacks than solutions. 

For example, some businesses, such as those owned by non-homeowners, may struggle to access certain funding options simply because not all lenders are willing to support them.

David and Trevor break down how lenders assess risk, what “responsible lending” really looks like, and why the market is becoming increasingly risk-averse as confidence drops in an uncertain economy.

With insights from a members  of the Guild of Business Finance Professionals, the episode offers a clearer understanding of lender expectations, decision-making, and realistic timescales. They also highlight why knowing when to say no to debt is just as important as securing funding, and why applications should never be submitted if they are unsuitable or unaffordable.

Finally, they discuss how early-stage lending decisions are shaped by key factors, and why greater transparency from lenders could lead to better outcomes for both businesses and the finance industry.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

Starting a business has never been more challenging. From an initial idea to an ambitious start up, the country continues to try and promote a nation that is wanting more entrepreneurs and small business owners. But turning an idea into a sustainable business often comes down to one critical factor, funding.

In this episode, David & Trevor explore how new and growing businesses can find the right type of finance without overpaying or choosing the wrong option. Raising capital is not just about securing money, it is about finding finance that fits the business properly and can support it’s early stages of growth.

They discuss why many new business owners still lack awareness of the different types of debt finance available to them, including Director loans such as those offered by the British Business Bank and initiatives like the Growth Guarantee Scheme. Understanding these options together with who the best lenders are, can make a significant difference when considering the best-fit funding strategy.

They also talk about the importance of start up capital. Ideally, many early costs should be covered by funds introduced by the business owners themselves, or through support from friends and family maybe. Having some initial capital in place can strengthen a business before seeking external debt finance.

A realistic and well structured business plan is also essential. It should clearly outline capital needs, projected cash flow, and the overall financial path of the business. With a strong plan in hand, the next step is presenting it to experienced business finance professionals who can help guide the process.

Unfortunately, signposting across the finance landscape remains poor for both start ups and established businesses. That is why seeking guidance from a member of The Guild of Finance Professionals can be invaluable. Before searching online, approaching lenders directly, or rushing into a funding decision, getting independent guidance first could save time, money, and costly mistakes.

Do not search the internet. Do not contact a lender directly. Do not pass GO without contacting a Guild member at the very least.

If you are starting a business, or looking to grow one, this episode highlights the steps to take before pursuing finance and why speaking to the right professionals early can make all the difference.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, David and Trevor take a closer look at how the relationship between banks and small businesses has changed over time, and whether things might finally be shifting again.

They reflect on the fallout from the 2008 financial crisis and how it marked the end of the traditional bank manager relationship, once seen as a trusted partner in a business’s growth and development. What used to be a personal, supportive connection has, for the majority of business owners, turned into something distant and non-transactional.

The conversation explores how today’s banks often feel disengaged, especially for businesses with turnover under c.£5 million, many of which now operate with little to no meaningful contact from their bank. David and Trevor also discuss the lingering issue of security held against businesses, sometimes tied to lending that is largely reduce or repaid.

But it’s not all negative. There are early signs of change. Drawing on insights from member of The Guild of Business Finance Professionals, they talk about a renewed appetite among some banks to support smaller businesses, especially when the right match is found on both sides.

They wrap up by asking the big question: could we see a return to trust, stronger relationships, and better access to funding via the high street banks again? And if so, what would that mean for the future of small businesses and the wider UK economy?

A thoughtful discussion for any business owner wondering where they stand with their bank today.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

Short-term business funding is becoming more common, and more visible across the market. In this episode, David and Trevor look at the rise of non-bank lenders offering 12 to 24 month business loans, and why so many businesses are turning to them.

These products are typically fintech-driven, quick to apply for, and funds can often land in a business account within days. For companies dealing with immediate pressures, such as unpaid invoices, VAT bills, or a short-term cashflow gap, that speed can be a lifeline. Many of these facilities are also designed to be repaid quickly and often come with no early repayment penalties.

But convenience comes at a cost. Interest rates can be high, and  personal guarantees are typically required, which means business owners carry personal risk. The key question becomes...is this type of funding the best fit, and can the business realistically repay the loan over a short period?

The conversation also explores some of the risks that are starting to appear in the market. Multiple applications through different brokers, stacked loans from several lenders, and decisions made too quickly because the process can be so easy. When speed and convenience take centre stage, careful decision-making can sometimes fall behind.

This episode also looks at when short-term funding works well and, more importantly, when it doesn’t…and why guidance from experienced business finance professionals can make a real difference before committing to any form of debt finance.

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Thanks for listening

Cash really is king and in this festive episode, David and Trevor discuss why cashflow is the true lifeline of any successful business.

They explore how business owners can better understand, monitor and manage their cash position to stay ahead of the inevitable peaks and troughs that come along from many business owners . In particular, a significant proportion of cash can be tied up in unpaid or late invoices, making forward planning absolutely essential.

The conversation highlights the importance of identifying potential cashflow pinch points early, whether from VAT liabilities, payroll commitments or unexpected costs, so that challenges can be managed proactively rather than reactively. With the right visibility and preparation, business owners can replace financial stress with confidence and control.

David and Trevor also discuss practical strategies, including maintaining a “rainy day” reserve and exploring suitable finance solutions when needed. 

Working with a member of The Guild of Business Finance Professionals ensures tailored, case-by-case guidance to help businesses maintain a strong and sustainable cashflow position.

A must-listen for any business owner focused on stability, resilience and peace of mind.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

Once a business finds its footing and gains confidence in where it’s heading, the real challenge begins: funding growth the right way. 

Growth takes more than ambition…it takes careful budgeting, smart cashflow planning, and making sure the right capital is in place so growth doesn’t become painful or restrictive.

In this episode, David and Trevor explore how business owners can make confident, well-informed decisions that support steady, controlled, and ultimately successful expansion. 

They discuss why growth should never be left to chance and why the financial structure behind it matters just as much as the strategy itself.

With such a wide range of finance products and lenders in the market, choosing the right solution can feel overwhelming. The reality is that most business owners don’t have the time or the specialist knowledge to navigate every option effectively. That’s where professional guidance becomes invaluable. Working with an experienced professional , such as a member of The Guild of Business Finance, can mean the difference between funding that fuels growth and finance that may hinder or restrict it.

If your business is growing or you’re planning to grow, the. this episode is a reminder to plan carefully, structure funding correctly, and surround yourself with the right expertise to support the journey.

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, David & Trevor tackle one of the biggest challenges facing entrepreneurs: how to access funding as a brand-new startup or during those crucial early years of trading.

They share some of the ways that David has been able to support early-stage businesses, while Trevor challenges the conversation by digging into what he sees as the most realistic and effective finance options in today’s UK lending market. 

The truth is, many traditional lenders still struggle to back businesses with limited trading history, so where does that leave business owners that are struggling to raise the capital needed to start their businesses?

Both agree that it starts with two essentials: solid planning and, where possible, private investment. When those foundations are in place, the funding landscape can open up, including options supported by lenders such as the British Business Bank.

As with every episode published, the goal is simple: clear signposting and practical guidance. Business owners deserve straightforward information that helps them understand their options and navigate a market that now includes more than 300 non-bank lenders.

Working together and in partnership with The Guild of Business Finance Professionals, both believe more can and should be done to make funding information more accessible, transparent, and easier to navigate for every business seeking the right-fit finance.

If you believe that improving the access to finance for new and infant businesses, please share this episode and continue supporting the cause.

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, David and Trevor dig into a topic business owners are raising more and more: interest rates and what do they actually equate to in terms or cost to the business.  

Banks and other lenders alike, price interest to ensure they can cover their costs and deliver a return to the sources of the capital. But for many business owners, interest rates are still confusing, especially when they are described in different ways. APR, yield, flat rate, fixed, variable, gross, net of fees, the list goes on.

They also tackle the idea of what a “fair” rate of interest actually means. That question only makes sense once you understand the length of the borrowing, the type of finance being used, and whether all the available options have been properly considered. Most importantly, is the finance genuinely the right fit for the business?

Short-term lending products come up a lot in conversations and are often criticised publicly. David and Trevor take a balanced look at these options, explaining when higher interest products might make sense and when they probably do not.

The real focus is the cost to the business. Once the right type of finance is identified, the key questions are whether it is affordable and whether it supports the business’s goals.

This episode breaks interest rates down in plain terms. Hopefully, business owners will now have a better understand what they are being offered and the actual costs that apply...and especially if fees are included, too.

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Thanks for listening

In this final block of *Finance in Fifteen*, David and Trevor look at why lenders protect themselves by taking a legal charge over a business and/or specific assets.

In the previous episode, they explained why lenders ask for Personal Guarantees. A charge, however, offers a different level of security, and it is important that business owners clearly understand what this means and how it affects them.

As is often the case in business finance, things are rarely simple and not always explained well. Lenders may take fixed charges, floating charges, or sometimes a combination of both. Charges can also rank as 1st or 2nd, and some may be fixed solely against individual assets such as property, land, or other tangible assets.

Before agreeing to any form of charge or guarantee, business owners should understand why it is being taken and have the advantages and disadvantages clearly explained.

In a complex and often unregulated market, no decision about providing security should be made without proper guidance, whether from a legal adviser or a member of The Guild of Business Finance Professionals.

For further information, please do contact the show at podcast@bfpguild.org 

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Thanks for listening

Most markets come with plenty of moving parts, and business finance is no different. In this episode, David and Trevor talk through why lenders ask for Personal Guarantees (PGs), what they mean, and how they affect the people signing them.

Like any type of guarantee, the details depend on several important factors. The aim of this episode is to make the topic clearer so business owners understand their obligations before taking on any debt finance.

Some directors see PGs as a high risk, but that is not always the case. David and Trevor look at the mindset behind why lenders ask for this type of guarantee, the reasons lenders rely on them, and what the actual liabilities could be if a business fails.

Legal advice is always recommended, although working with a recognised business finance professional, such as a member of The Guild of Business Finance Professionals, can give business owners the clarity they need before applying for finance. In many cases, a skilled professional can even negotiate the terms of a guarantee when there is a valid reason to do so.

If there are any business owners that require any further information on PGs and their legalities, please contact the show for further support. In addition, legal support is available in conjunction with legal partners Paris Smith.

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To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this Finance in Fifteen episode, David and Trevor have an honest conversation about the hurdles many business owners run into when they try to secure funding and, in particular, if the business in question has not undertaken the basic requirements to prepare in advance of any application.

Business finance now comes in many shapes and sizes and the number of lenders in the UK has grown to more than 300. With so much choice, it is easy to see why many businesses miss out on the best-fit and do not get the outcome they hoped for because they have been unable to prepare for finance in advance. 

Preparation matters on both sides of the application process. With the right guidance and by working with a Guild member in the first instance, business owners can give themselves the best chance of securing funding that truly fits their needs.

With consideration to annual and management financials, coupled with each lenders criteria for affordability testing, plus an array of other requirements, this podcasts underlines the importance for business owners to avoid applying directly to a lender. Fail to prepare...prepare to fail!  

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To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

A new season, a fresh approach: the Business Finance Matters podcast is back, continuing to be the only podcast that supports UK business owners who are navigating the complex world of finance—whether they are seeking funding or simply want to understand their options better.

After a successful run in audio-only format, the podcast is now available to watch as well as listen to, giving you a more engaging way to follow the conversation. Please see click here: https://www.youtube.com/watch?v=mTy0gEb4-yQ 

Based on your feedback, we are introducing a new series of short episodes called 'Finance in Fifteen'. Each episode dives into a specific business finance topic, packed into just 15 minutes, so you can get practical insights without the fluff.

The podcast will also continue to include guest interviews.

In this first episode, David and Trevor explain why working with a recommended Business Finance Intermediary is crucial before accessing any type of finance. With over 300 lenders offering a wide range of products, expert guidance can help avoid costly mistakes. Recent case studies reveal businesses ending up with unsuitable products, uncompetitive interest rates, or excessive fees...problems this podcast aims to highlight and prevent.

Produced in partnership with The Guild of Business Finance Professionals, this series continues its mission to guide business owners safely through the finance landscape, whether dealing with lenders directly or through those various uncredible broker channels.

Listen or watch, and share your feedback...your insights will help shape future episodes and ensure business owners get the guidance that’s been missing since the 2008 financial crisis.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, David and Trevor speak with Paul Marston, CEO of The FSE Group and Non-Executive Director at Allica Bank.

Paul knew from the age of 11 that he wanted to work in banking. Today, that passion continues as he focuses on supporting small and medium-sized businesses that struggle to access finance and what he refers to as the “market gap.”

Many lenders only back businesses that are already profitable and whose owners are homeowners. FSE takes a different approach. Their mandate is to support strong entrepreneurs with realistic business plans and forecasts that show potential for growth and job creation.

Outside of work, Paul’s a big fan of Padel Tennis and Queen. He can even play Bohemian Rhapsody on the piano!

David recently helped a client secure a £200k facility when no other lender was willing to step in. If you are a business owner or Guild member looking for funding, you are welcome to contact David or Paul directly to learn more about the £400m+ in funding available through FSE and other British Business Bank fund managers across the UK.

There are plans to meet up and reminisce with Paul's romantic past at 'Bog Island' in Bath. Everyone is welcome...but no proposal of marriage in guaranteed!

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this short episode, Dave and Trev share a few updates from The Guild of Business Finance Professionals, including news about new members joining the cause.

Dave takes a break from his holiday to join Trevor for a quick conversation about growing frustrations in the market. They touch on how some lenders and online brokers are still using misleading language to chase commissions or rates, often without making sure business owners get proper advice before applying for finance.

Later this month, they'll be joined by a lesser-known lender connected to the British Business Bank. That episode will be worth a listen.

Enjoy the heatwave, and as always, feel free to share, comment, or check out past episodes.

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

Season 3 kicks off with a candid conversation featuring Robert Schogger, co-founder of Metspace London Ltd.

Robert shares his journey from leaving school at 17 to building a successful business, moving from an entry-level "gofer" role in the 1980s to running his own company. A key part of that story is his evolving relationship with business finance...from using post-dated cheques to securing credit lines with established lenders like Arkle Finance of Weatherbys Bank.

A big part of Robert’s success has been his long-term connection with Guild member Nash Giardina at Ideal Leasing & Finance. Their relationship, which spans over two decades, highlights how valuable it is for business owners to work with professionals who truly understand the finance landscape.

This episode dives into the importance of finding the right lender, the right finance product, and how hard that still is in today's market. Robert also shares his frustration with the lack of clear signposting available for business owners trying to navigate the maze funding options.

One question that was asked..."Is the UK the only nation in the world that consists of so many lenders offering so many finance options?" If so, are UK businesses in a unique business finance black hole?

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this special episode, David and Trevor sit down with Stephen Bassett, Chair of The Guild of Business Finance Professionals, to talk about the state of business lending in the UK.

On March 13, 2025, the Government launched a call for evidence to review the current lending landscape and better understand what’s holding UK businesses back from getting the best financial support they need.

It’s a conversation that builds on previous episodes, all 3 voice the growing concerns and especially around ensuring that business owners’ best interests are at risk unless the signposting to a business finance professional is not high enough. 

Are lenders who deal directly with business owners really acting in their clients’ best interests? Or are sales targets taking priority? And is the pressure to compete leading to questionable marketing tactics that are misleading and are leaving many business owners in the dark and, at worst, with the wrong and/or an expensive debt option.

Stephen doesn’t hold back. He’s calling on the Government to recognise the chaos in the marketplace and the urgent need for proper signposting, so that businesses know where to turn for reliable advice before taking on debt.

All three bring deep experience and strong views to the table, tackling the real obstacles businesses face in finding the right finance from the right lenders. They argue that a trusted advisory route is key to helping UK businesses survive, grow, and boost the economy.

Agree? Disagree? Got your own experience to share whether it be good, bad, or ugly? Drop a message and join this ongoing conversation.

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Thanks for listening

Reflections, Insights, and What’s Next

In the final episode of Season 2, David and Trevor take a well-earned break in the stunning Algarve and look back on the standout moments from the past nine episodes.

As the BFM Podcast marks its first anniversary — alongside The Guild’s birthday on 6 June — a reminder to members: the AGM will take place on 3 June at County Hall, London.

This episode features valuable insights from a recent meeting with Rachael Raymond, Head of Broker Sales, and Ben Frank, Relationship Manager at Funding Circle. 

In that meeting, David and Trevor raise important concerns around the use of misleading language in the marketing of debt finance, reinforcing the vital role of qualified professionals — particularly members of The Guild of Business Finance Professionals — in helping businesses secure the right funding.

The pair also revisit some of the season’s most inspiring guest stories. Notably, in Episode 6, former England and Leicester rugby star Rory Underwood reflects on his sporting career, time in the RAF, and his journey as a business owner.

With exciting plans already underway for future seasons, David and Trevor thank you for tuning in and encourage you to keep your feedback coming.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this inspiring episode, Dave and Trev sit down with Joe Regan, one half of a brotherly duo behind Rootd Adventure Limited—a business dedicated to delivering unforgettable residential adventure experiences for primary and secondary school children.

Still in their mid-twenties, Joe and his brother Jamie are already making waves. With a strong foundation laid by their mother’s experience in the industry, they’ve built a business that’s quickly gaining momentum. But their journey hasn’t been without challenges.

Joe opens up about the pivotal role played by Guild member Neil Baxendale, whose guidance and financial expertise helped steer the business in the right direction. Joe is candid in saying that without Neil’s support, the business may have never reached its current success.

As a start-up less than 18 months old, accessing finance wasn’t easy. But finding the right support made all the difference—highlighting the importance of working with a trusted business finance professional early on, and to avoid the temptation of apply for finance either directly or online.

Enjoy!

For further information on Rootd Adventure, please go to the following website: www.rootd-adventure.com 

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

After the hugely popular episode with Rory Underwood, Dave and Trev are thrilled to announce that Rory has officially joined The Guild’s mission as an Honorary Ambassador.

This episode also dives into growing concerns about the state of the business finance marketplace — where some lenders and brokers are turning it into a ‘Wild West’. Dave and Trev discuss how misleading and false information, spread through social media and direct mail, is luring businesses into applying for debt finance under questionable pretences.

On a lighter note, Trev skilfully sidesteps any Six Nations rugby talk and shifts focus to Crufts, while Dave seizes the dog theme to proudly share his recent success in raising capital for a brand-new dog parlour venture.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, Dave and Trev sit down with rugby legend and business owner Rory Underwood. 

From his illustrious sports career to his time in the Royal Air Force, Rory opens up about the challenges he’s faced in the business world as Founder and Managing Director of Wingman Limited. 

He reflects on the struggles of navigating the 2008 financial crisis and the pandemic—when traditional banks offered no support—highlighting a reality many small business owners can relate to then...and now.

The conversation also turns to The Guild of Business Finance Professionals, with Rory passionately supporting its mission. And of course, rugby makes its way into the mix, leading to a friendly wager on the upcoming Six Nations clash between England and Scotland.

Tune in for a candid and compelling conversation with a true gentleman with a story to tell—while, for once, the hosts say very little!

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To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

As they gear up for the next episode dropping at the end of the week, Dave and Trev tease some clues about their exciting special guest. Also, this is good news for the show’s growth and listenership, too!

In other updates, there's more news on the much-loved podcast mugs - plus an intriguing invitation to take the show to the USA.

Dave also shares details of a recent transaction supported and funded by Rivers Leasing.

Plus, a record-breaking number of downloads in Scotland following last episode with business owner, Neil Cameron!

And, of course, no apologies for some of rugby talk—especially with the highly anticipated England vs. Scotland match coming up on Saturday, February 22.

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

With the holiday season now a distant memory, this episode returns to spotlighting a business owner who successfully built their company with the support of a business finance professional and Guild member, Charlie Wilson at Asset & General Finance.

This episode’s guest is Neil Cameron, Managing Director of Carmichael & Baxter Groundworks Limited. Neil shares his journey from Chartered Accountant to leading a groundworks company, offering insights into his career transition.

David and Trevor introduce a new segment, Transaction of the Month, highlighting a business that secured the ideal funding solution through Guild members, Amanda, Nick & Jane at Corporate Leasing & Finance.

As fellow Scots, Trevor and Neil quickly find common ground—leading to some light-hearted England rugby banter and bold predictions for Scotland’s victory on February 22.

Tune in, enjoy, and keep your messages coming!

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

The boys have returned from their festive adventures! Trev enjoyed sunny days on the Southampton docks, while Dave endured the cold on the Algarve—or maybe it was the other way around. Either way, they’re back, and this episode is packed with the usual mix of humour and insight.

First up, there’s an emotional chat about their new mugs, proudly adorned with both the Podcast logo, and The Guild’s logo to highlight the strong partnership between the two.

The conversation then turns to a sobering topic: the troubling rise of business failures throughout 2024. Trev and Dave express their concern about this ongoing trend and their frustration at the lack of action to being taken by those that run the run country et al. They share their personal insights and some practical, common-sense solutions for tackling the issue, adding some unusual depth to the discussion.

Of course, it wouldn’t be an episode without a dose of light-hearted chaos. This time, Trev discovers a mysterious tub of cheese in the boot of Dave’s car, leading to some hilarity that only these two could deliver.

In an exciting new twist, the boys announce a monthly competition and, in addition, they’re calling on Guild members to submit case studies, with the chance to win... well, some very cheap looking mugs.

As always, we encourage you to listen, share, and keep the comments coming. Who knows? If luck isn’t on your side, you might just end up with a mug!

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this final episode of the year, David and Trevor bring some much-needed festive cheer to the often serious and challenging world of business finance. Their efforts are made even merrier by the lively presence of guest Martin Lewis, founder of 'EVESS' (Graduation Attire Ltd).

At just 36 years old, Martin shares his remarkable entrepreneurial journey, which began on the very day he graduated—12 July 2013. He reveals how a chance meeting with business finance professional and Guild member Duncan Payne (aka Martin Kemp) from 'Adamantean' became a turning point. Thanks to Duncan’s introduction of a tailored asset finance and trade finance facility, Martin’s business found the support it needed to thrive.

This inspiring conversation is packed with valuable insights for business owners, but it’s not all serious! Martin’s sense of humour matches the hosts’ clownish charm, leading to hilarity as they dream up a band called “Rock & Robe,” with Duncan as the lead singer.

If you’re looking for the perfect blend of laughs, light-hearted banter, and practical business wisdom, this episode is a must-listen!

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

After a sun-soaked break enjoying beers and beaches in the Algarve, Dave and Trev are back!

Riding on the success of Series 1, the duo couldn’t resist returning for another round of lighthearted chatter. This time, they’ve teamed up with The Guild of Business Finance Professionals.

Since the Guild’s launch in June, the timing feels spot on, with a natural synergy bringing these two worlds together. While Dave’s wedding bells are still echoing in Trevor’s ears—along with the groans of other fellow “sufferers”—this new collaboration aims to strike a chord with business owners in need of financial expertise.

So, kick back, toss a log on the fire, and see if you can stay awake for the full 21 minutes and 35 seconds!

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

After nine previous episodes, Dave and Trev wrap up Series 1 with a recap of all that’s unfolded on the show over the past six months.

The duo reflect on memorable guests, including Jo Hughes, the business owner from Episode 3, and Andrew Frost, the lender from Episode 9. Between these, there’s been a mix of other guests, some awful humour, and a quiz effort that didn’t quite capture the audience’s enthusiasm.

Since the founding of The Guild of Business Finance Professionals on June 6th, it seems fitting that future shows will align with the Guild to strengthen it's growing membership and  communication channels.

As for Series 2, plans remain hidden under a big red blanket and still waiting for a clear direction. In the meantime, Dave and Trev will continue their playful mission to conquer South America, ponder a world tour, consider selling out to Netflix, or perhaps go off gallivanting with their showbiz pals, Mr Benedict Cumberbatch and Ms Gillian Anderson.

For more market updates and buffoonery, stay tuned for Series 2—coming to all nearby mobile phones in November/sometime soon!

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

On this penultimate episode of Series 1, David and Trevor enjoy a lively conversation with Andrew Frost from Genesis Asset Finance, a family business with nearly 25 years of experience lending to small businesses. 

Andrew, now leading the company alongside his brother Edward, offers his candid perspective on the current marketplace, emphasising that lending is an "art," not a "science." He speaks passionately about the importance of personal connections in business, such as meeting customers face-to-face and working closely with intermediaries. This approach highlights the company's traditional values in a rapidly evolving industry.

As usual, the podcast gets lost down a pathway of both serious and light-hearted topics. In a fun twist, this episode marks the milestone of the podcast being downloaded on every continent, after finally reaching Bolivia—unlocking the long-closed and bolted South American "door."

On the lighter/darker side, "toilet chat" makes its debut, and there's a quirky introduction to the Royal Family of Bhutan, all in line with the usual mix of serious insights and awful banter that has become a flaw and frailty of the show.

This episode also welcomes the podcast’s first external sponsor, Finance Technology Services Limited, and introduces a new website that gathers all the key people and moments from the podcast's journey so far. For more details, listeners can visit the podcast's website: https://bfm.buzzsprout.com/.

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

As with all of the 'Little Fillers' to date, David & Trevor have tried to keep the content short, sweet and engaging. Despite their best efforts, the chat bounces from one extreme to another and many are forced to switch off and never to return!

Following the last episode, the conversation around mental health was spoken about with Gordon Larson and the feedback received was interesting and hence it was felt necessary to raise this important subject again.

Trevor decides to become a Quiz Master...and fails, leaving David bemused by the unfair scoring that was implemented...and David surprises Trevor with an alleged fan message sent to him by Gillian Anderson, yes, the American actress best known for her X-Files and Sex Education.

Finally, Trevor leaks out a personal secret that David has been keeping under wraps and now there is an unwanted and unnecessary competition between Oasis and David to see who can sell the most tickets. Currently, Oasis are ahead by a supernova and more.

Enjoy

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

In this episode, Dave and Trev get carried away with the recent Olympic action but, eventually steer themselves down the professional running track.

The guests on this show are two business finance professionals and founder Guild members. First, the boys chat to Ian Woodley who is the owner of Finance Kitchen. Ian's focus is to provide the much needed business finance support for the UK's restaurant market that continues to face a myriad of challenges following the pandemic and the current cost of living.

The 2nd guest is Gordon Larson who is a director at Asset and General Finance. Gordon talks passionately and our industry sector and speaks about a younger generation of business finance professionals that is needed to ensure the future remains bright. 

The boys talk about Gordon's passion for cycling and old men in tight fitting lycra!

Enjoy

Support the show

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

This weeks little filler episode includes views following the recent introduction to a new Government and some impressive data about past Olympic games.

Sadly, the boys have still not had any downloads in South America, but do they really care?

David give us all clear understanding on how Benedict Cumberbatch helps him to warm before recording the podcast and Trevor continues to bleat on about how they should both set-up a splinter Podcast that follows in the same genre as the great and late Dudley Moore and Peter Cook.

In the serious and important stuff, the boys talk some more about The Guild of Business Finance Professionals and warm us up for the two guests that will be appearing on the next Episode

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

David and Trevor welcome Stephen Bassett onto this show to talk about his role as Chairperson for The Guild that was founded and officially launched in London on June 6th 2024.

Stephen talks openly about why The Guild has been formed and what he hopes The Guild will become. The conversation opens up into how the organisation will provide an important signpost for those business owners that are looking for help in their conquest to gain access to the best-fit finance.

In addition, Trevor and Stephen explain how The Guild we work along alongside the existing industry trade bodies including the NACFB, FIBA and the FLA

As always, this episode is peppered with a mix of various attempts to be comedic, witty, sarcastic and unique. Most of these attempts fail, but its good to laugh at others at times like these.

So, get you winter duvets at the ready and relax to the dulcet tones of 3 men in a Guild/Boat. Spitfire

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

On this show, the boy's are tickled pink to bring you their 2nd 'little filler'...and especially as they have some exciting news to deliver.

Dave and Trev have also been receiving positive feedback from the business finance marketplace including a number of case studies that clearly demonstrates the many advantages for business owners that are seeking the best-fit access to a very crowded lending landscape.

The message continues to remain clear and support the fact that the vast majority of business owners should not engage with directly with any lender without seeking professional guidance beforehand.  In addition,  avoid engaging with many of the online or social media adverts that may be offering quick access to cheap finance.

If you are happy to subscribe and follow BFM, then please search on the following platforms:
> Spotify
>Apple
> Amazon
> YouTube
>LinkedIn

Or you find more details on Instagram and X (formerly Twitter)

Thanks for your support and for listening.

All comments and welcome and may be discussed on future  episodes.

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening

On this show we welcome Jo Hughes.

Jo is a director and co-owner of MaxWifi (UK) Limited. 

Jo talks openly about her career path and explains how she and her husband Richard, were able to cope with the many financial challenges that they had to endure...including a conversation with their bank manager that could have lead to their demise had they taken his advice.

The good news is that Jo was able to engage with a business finance professional shortly after and ignored the advice of the bank manager. Today her business is thriving once more.

Most importantly, Jo gives an honest and frank view on the importance of why every small business should be able to gain quick access to a nearby business finance professional. 

Dave and Trev hope that this will be the first of many first hand business owner experiences that will resonate and garner support from all those that identify and support the cause behind this Podcast series.

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

Following on from the 1st Episode that went live on 19th April, this next Episode will cover off the feedback and responses received so far and continues to push home the principle cause ie to ensure that the UK's business owners are given the signposting that will give them the access to the best-fit finance.

Dave & Trev, of course, add their own twist of humour and banter that most of the listeners appear to enjoy, however, some have already switched off and moved quickly into a dark room to reflect.

Whatever your views on this Podcast maybe, the boys welcome all comments and feedback and, if relevant, will discuss the feedback on future Episodes.

All Episodes can be found on all the major platforms including Apple, Spotify and Amazon. 

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To access our visual channel please click here https://linktr.ee/bfmpodcast

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All comments are welcomed and may be discussed on future episodes.

Thanks for listening

This Episode is the first of a brand new series of Podcasts that will focus on the business finance marketplace. In particular, the principle cause is to raise the signposting to the majority of business owners that need access the best-fit financing options.

This episode is formal introduction and introduces the hosts and the cause. 

Support the show

To access our visual channel please click here https://linktr.ee/bfmpodcast

Please subscribe and follow us on LinkedIn, Instagram, YouTube and Twitter/X. Just search for 'Business Finance Matters'.

To listen to the Podcast, all episodes can be found on all the major platforms including Spotify, Apple, Amazon and YouTube and https://bfm.buzzsprout.com/

All comments are welcomed and may be discussed on future episodes.

Thanks for listening