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Fresh Thinking Capital

Helping businesses make the most of opportunities

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    What we offer...

    We understand what business owners want is a funding provider who understands them and is flexible to their specific needs. They don’t want funding to feel one size fits all, but to actually take into account what makes them unique as a business. When you take out funding with Fresh Thinking Capital, we take a tailored approach that ensures you have the right funding, when you need it.


    What our
    clients say...

    "Working with Fresh Thinking allowed me to move at speed and acquire the site. I took advantage of the opportunity to buy at a discount due to the speed they could move. Further value was added when I obtained planning permission. The value has since increased even further and I have agreed the sale of the site on a deferred arrangement receiving proceeds on a plot by plot basis. FTC agreed to work with me on the deferred payment structure with the uplift more than paying for the funding and deal costs for the full term of the loan."
    "The flexibility shown by Fresh Thinking allowed me to refinance the business with a more mainstream facility saving a significant cost enabling the business to grow. Fresh Thinking provided a top up facility which was tailored to the needs of the business which was a refreshing approach"
    "I was impressed with the speed at which FTC delivered the loan. From providing the terms to final drawdown it was a nine working day process which ensured the purchase of the land completed in a tight timeframe. In the current funding world everything seems to take longer and longer and this is a major restriction to all businesses."
    "Having had a difficult couple of years trading the relationship with the bank became strained and it was an enjoyable experience to deal with FTC. The business had working capital facilities of circa £12m with the bank which were continually being reviewed and monitored and in some cases were reduced placing pressure on the cash flow. The business required £750,000 of funds quickly to ensure the support continued from the bank. When I was introduced to FTC by our accountant the bank became much more relaxed as they had worked with them previously and this allowed sufficient time to complete the turnaround of the business and subsequently refinance to another bank"
    "In this day and age most funders run a mile when you mention administration and prepacks. Without FTC I would have lost everything and I will be forever grateful for the support they gave me at a time when I most needed it. The business is now on a stable footing and I can look forward to the future with confidence"
    "Until I met the team at FTC I was not aware this type of funding existed. It has been an ongoing frustration speaking to many lenders who are restricted in the funding they can provide and speed at which they operate. It was a pleasure to deal with a lender who was flexible and delivered in a tight timetable allowing the business to complete an excellent acquisition"

    Lending Process

    Here are some of our experts

    Mel Hird
    Co-Founder & Shareholder

    In the early part of Mel’s career she spent 10 years in Restructuring working for Ernst & Young, Kroll and seconded to HSBC Bank for businesses of all sizes across the UK and overseas.

    Mel has focussed on investing since 2007 and has co-founded a number of private investment funds where the focus included turnaround and growth capital. Mel has taken non exec roles and equity participation in the various investments.

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    Andrew Walls
    Co-Founder & Shareholder

    Andrew qualified as a Chartered Accountant in 2003 and gained experience in restructuring and turnaround whilst also spending 12 months on secondment at RBS. Andrew joined McInnes Corporate Finance in 2006 acting as a lead advisor on a wide range of M&A transactions and subsequently joining a property business as Group Finance Director. In 2012 Andrew joined Seneca to manage a private equity fund which included both turnaround and growth capital investments as well as taking a number of Non-Executive Director roles.

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    Marie Nicholl
    Director of Risk & Operations

    Marie brings a wealth of experience having spent over 30 years working within RBS Group supporting and working with SME’s across various specialist and generalist sectors, at both Relationship and Leadership level.

    “I love working at Fresh Thinking Capital because having the decision making within house enables us to do the right deals quickly”.

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    Courtni Cheeseman
    Executive Assistant

    Courtni has years of extensive experience providing executive-level support for SMEs in project management, information security, business operations, HR, and events.

    “Fresh Thinking is an amazing place to work with a ‘great can do’ culture that permeates right through the whole business. Being part of a team that truly help each other to achieve the right outcome for the clients is a joy to be part of. “

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    Jane Kirby
    Group Finance Director

    Jane has an honours degree in Business Studies and is a qualified accountant with over 30 years’ experience working in a variety of industries including engineering, textiles, construction and property.

    For many years Jane held the role of Finance Director within several businesses, some of which operated internationally and included participating in a Management Buy Out and working closely with the business owners and advisors to achieve successful business acquisitions and sales.  More recently Jane has worked as a consultant covering all aspects of finance and administration.

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    Rory Dolan
    Head of Marketing

    With experience in marketing agencies, financial services and the technology sectors, Rory is responsible for all things marketing and communication related at Fresh Thinking Capital.

    “My mission is to ensure that the great work Fresh Thinking Capital do with our clients is communicated to the world ensuring we can help more SMEs”.

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    Andrew Robertson
    Portfolio Management

    Having previously obtained experience in start-up business plan consultancy and strategic marketing, Andrew is a key part of the Portfolio Management team at Fresh Thinking Capital. With a focus on ensuring our clients and introducers are looked after before, during and after working with us.

    “Taking a positive look at lending by working with clients on a mutually cooperative basis is what I love about FTC.”

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    Niall Conlon
    Portfolio Management

    One of Fresh Thinking Capitals first employees, from the beginning Niall has shown an innate understanding of how to ensure clients get the best service. Always showing a can-do and enthusiastic attitude, Niall is one of the first ports of call when a client needs some information.

    “Fresh is an energetic, friendly and modern lending firm. With a committed team we always do our best to ensure clients get the right outcomes.”

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    As seen in

    • Yorkshire Post
    • Business Money
    • BDaily News
    • Business Link
    Fresh Thinking Capital