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Business Funding and Advice. Made easy.

Short Term Asset Backed Loans £100,000 - £2m for working capital, company acquisitions, asset purchases, stock or investments from our own funding.

Our services

Lending

We have our own funds to lend from our own balance sheet to be deployed today. We offer flexible debt finance solutions bespoke to the needs of the businesses. We make short term loans from £100,000 to £2m to SMEs across the UK for periods of up to 24 months. We typically lend for 12 months.

Our Lending arm can help.

Lending Advisory

Unsure on what type of funding you need?

Looking for non-asset backed funding?

Looking for funding greater than £2m?

Too often we see great businesses constrained by insufficient finance but with amazing potential.

Our Advisory arm can help.

Equity

Are you looking for equity capital on a stand alone basis or alongside debt financing?

We have a wide range of expertise in the arrangement and facilitation of equity transactions.

We have our own capital and also partner with a number of other funders.

Our Equity arm can help.

See what we can do for you
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Our People

Our flexible approach to lending starts from the relationships with people. Get to know the leadership team below.

Mel Hir Fresh Thinking Capital Founder

Mel Hird

Co-Founder
& Director

Mel is a founding director of Fresh Thinking Capital. Mel has over 20 years of experience in corporate restructuring, corporate finance and deal making... Read More

Mel Hird - Co-Founder

Mel is a founding director of Fresh Thinking Capital. Mel has over 20 years of experience in corporate restructuring, corporate finance and deal making. Her corporate career started with Ernst & Young and then Kroll working National and International. Mel also spent 12 months on secondment to HSBC Loan Management Unit working with 12 managers across the North. Mel started her investing career by founding Frontline Investments and subsequently a founding partner to Seneca Partners establishing and investing the first two equity funds within the Yorkshire Market.

Mel has a real interest in business and a passion to help people achieve their strategy which often requires assisting them in finding the right funding to help them along their journeys.

07917 888880 | Email Me | LinkedIn

07917 888880
Email Me
LinkedIn

Fresh Thinking Capital Founder

Andrew Walls

Co-Founder
& Director

Andrew is a founding director of Fresh Thinking Capital. He qualified as a chartered accountant in 2003 with an independent firm of accountants. Andrew joined... Read More

Andrew Walls - Co-Founder

Andrew is a founding director of Fresh Thinking Capital. He qualified as a chartered accountant in 2003 with an independent firm of accountants. Andrew joined Begbies Traynor in 2003, where he developed both his insolvency and turnaround skills, followed by a secondment to RBS where he was involved in the management of the bank’s higher risk portfolio. He then moved to McInnes Corporate Finance providing lead advisory services in a wide range of M&A transactions. In 2008 Andrew joined a Serviced Office business and Property Investment Group as Finance Director with particular focus on liaising with funding providers and providing commercial advice to the board. Andrew then joined Seneca Partners in 2012 to source and manage equity investments which involved taking a number of non-executive directorships to support the businesses deliver their strategy.

Andrew enjoys supporting business owners to achieve their objectives which has become increasingly difficult as funding has become harder to source in recent years.

07720 714448 | Email Me | LinkedIn

07720 714448
Email Me
LinkedIn

Dan Barrett

Director, Corporate Debt Advisory & Origination

Dan has a financial and operational background with significant experience of working with businesses and funders across a wide range of situations... Read More

Dan Barrett - Director, Corporate Debt Advisory & Origination

Dan has a financial and operational background with significant experience of working with businesses and funders across a wide range of situations.

He joined CreditSquare from FTI Consulting where he spent five years, most recently as a Managing Director in the Corporate Finance and Restructuring practice. At FTI, Dan worked closely with creditors, PE sponsors and corporates on a range of financial and operational engagements.

Prior to FTI Consulting, Dan worked in the Operations Advisory team at Ernst & Young focusing on pre-and post-deal and buy and sell side transactional engagements, and before that at Stroud Consulting.

Dan has a first-class degree in Engineering Science from Oxford and an MPhil from Cambridge in Manufacturing Engineering and Management.

 

03300 552255 | Email Me | LinkedIn

03300 552255
Email Me
LinkedIn

Fresh Thinking Capital member of Staff

Ewa Kijowska

PA to the Founders & Office Manager

Ewa has been with Fresh Thinking since the beginning and with the Founders prior. Never short of a job to do. Ewa is Personal Assistant to the Founders, office... Read More

Ewa Kijowska - PA to the Founders & Office Manager

Ewa has been with Fresh Thinking since the beginning and with the Founders prior. Never short of a job to do. Ewa is Personal Assistant to the Founders, office manager to the Leeds office and looks after the various offices across the country.

03300 552255 | Email Me | LinkedIn

03300 552255
Email Me
LinkedIn

Blogs

Business mentoring

Launch of Debt Offering by Mel Hird and Andrew Walls

Given our background in equity, you may be wondering why we raised a debt fund… The answer: It is clear that lending to businesses continues to be restricted and there is a gap in the funding markets. The signs are […]

See all our news

What our clients say

Fresh Thinking Capital might be a new name in the community, but the Founders Mel and Andrew have been around for some time.

Armed with a new fund, their reputation, connectivity, skill, experience and sheer appetite for doing good deals fast, it will not be long before it appears Fresh Thinking Capital have been around as long as I have.

My name is Stavros, I am the Founding Principal Partner of St. James’s Place, Founder of Deal Assured and Fluent Finance, and I am proud to align and work closely with a great team.

Stavros – Founding Principal Partner of St. James’s Place | Founder of Deal Assured and Fluent Finance

Having known Andrew for many years he has always provided commercial advice together with identifying a wide range of funding solutions to support the growth of the business. His knowledge of the funding markets and ability to understand the funding requirements of the business has allowed opportunities to be capitalised upon. His extensive knowledge of the corporate finance and lending markets and what can be achieved makes decision making at a board level much easier

Warren Hill, Chairman & Founder of Prospect Business Centres and Loxley Homes.

The Funding support provided by Mel and Andrew at an extremely difficult time was critical in ensuring the growth strategy was achieved.

The funding markets have changed so much in recent years that it is now a minefield to find the right partners who have the flexibility and appetite to support a growing business.

Craig Waddington, MD and Founder of Easy Bathrooms

The team at Fresh Thinking provided the funding to allow management to acquire the business in 2014. The strategic advice and commitment given by Mel and Andrew was a great help to the management team. They identified and delivered the sale of the business to Northern Bear in 2017, which was an extremely challenging process. Hopefully this has now provided a platform for the business to grow with the benefits of being part of a PLC

Dominic Brogan, MD of H Peel and Sons, Part of Northern Bear PLC

We identified Mel as the ideal person to set up the first fund at Seneca and she was instrumental in establishing the lending proposition of both debt and equity funding at Seneca in Yorkshire. We were able to use her track record of investing in SME Businesses to attract further investment and we are proud of the number of businesses that the Seneca funding has supported giving them a great foundation for their growth.

Ian Currie, Founder of Seneca Partners.

I approached a specialist lawyer to see if I had a professional negligence claim and gave him boxes of evidence. He informed me I had a good case which could run into millions of pounds but I had to bring proceedings before the cut-off date and the fees involved would be substantial. Because my cash flow was so tight I was advised to contact Mel and Andrew from Fresh Thinking. I explained the situation at a meeting and Mel came up with a plan that worked for me based on my circumstance and provided the funding.

Mel and Andrew have a great deal of experience running small businesses and have a number of contacts in the financial sector that are not mainstream. I use them now for any financial arrangements or problems to do with my business.

Geoff Dawson, Entrepreneur

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