Why Choose Yaba
I am a huge advocate of equality and fairness, and the principle of treating everyone like you would want to be treated. I am very grateful for many of the relationships and support I have from both my clients and family and I have a huge desire to the always do the right thing even when no one is watching. This is echoed in what I see about YABA hence I was keen to join!
About me
Over 15 years SME Banking experience. Started my career at Natwest where I managed a portfolio of clients across various sectors of up to £25m turnover. I moved on to Santander covering Yorkshire and the North East structuring new to bank Asset Based Lending facilities for over 5 years. I went over to Metrobank in the early days of their Northern presence covering the whole of the north and latterly managed the corporate team at Bibby Financial services across the North. All the experiences some great some not so much, encouraged me to want to start my own business.
Im very fortunate that many of my old clients through my banking years have actively looked me up to use my services since I started my business funding advice business and I think that’s a testament to my ethics and principles.
Why did I start Independent cashflow solutions ?
The desire to be able to help everyone, regardless. There is a gap in the lending market, all lenders are very good at what they do specifically in their sector of the market, subject to their credit policy… BUT what happens when a business doesn’t fit a certain lenders criteria, or things change and they are no suitable, or they decide they want more than their lender can happily provide… that’s where I come in..
I was unhappy with not being able to help ALL clients when I worked for lenders, I could help some businesses but only if they had a very specific requirement and financial profile… and others I could not. Additionally over the years I saw businesses with funding structures that weren’t necessarily the best for their business but were the only way in which they could get funding. The whole fitting a square peg in a round hole scenario – so that’s where my business comes in!
My motivations
I am the first female in my family to set up my own business and I am immensely fortunate and proud to be able to do that. I have enjoyed a varied and senior career in banking which allowed me to learn many things but crucially understand the needs, wants and challenges that SME businesses face, a lot of this came in handy when I set up my own business also!
What do I do
- My specialism is Invoice finance but I can do all types of lending including property, bridging and term and full supplier reviews.
- Reviews and market comparisons of existing facilities to check clients are getting the best and most cost effective funding
- Fund Raise
- Refinance existing facilities
- Growth Funding
- General Business funding support
Contact details
riana@independentcashflowsolutions.co.uk
077 11765 174
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