Business. Moneyfacts. Business. Moneyfacts. Award 2015 AWARDS SUPPLEMENT 2015

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1 Business AWARDS SUPPLEMENT 2015

2 WINNERS LIST 2015 Best Business Current Account Provider WINNER: Santander Highly Commended: Barclays Bank Commended: Lloyds Bank Best Business Variable Rate Deposit Account Provider WINNER: Aldermore Highly Commended: Nationwide Building Society Commended: Cambridge & Counties Bank Best Business Fixed Account Provider WINNER: State Bank of India Highly Commended: Aldermore Commended: United Trust Bank Best Charity Account Provider WINNER: Lloyds Bank Highly Commended: CAF Bank Commended: The Co-operative Bank Best Online Banking Provider WINNER: Barclays Bank Highly Commended: HSBC Commended: Lloyds Bank - Online for Business Best Business Card Provider WINNER: Barclaycard Commercial Highly Commended: American Express Commended: HSBC Commercial Finance Specialist Distributor of the Year WINNER: Brightstar Financial Highly Commended: Vantage Finance Commended: Crystal Mortgages Ltd Best Buy-to-Let Mortgage Provider WINNER: Accord Mortgages Highly Commended: Coventry/Godiva Mortgages Commended: Santander for Intermediaries Best Service from a Buy-to-Let Mortgage Provider WINNER: Virgin Money Highly Commended: Skipton Building Society Commended: Aldermore Buy-to-Let Mortgage Broker of the Year WINNER: Mortgages for Business Highly Commended: London & Country Mortgages Commended: H D Consultants Best Commercial Mortgage Provider WINNER: Shawbrook Bank Highly Commended: Lloyds Bank Commended: Barclays Bank Best Service from a Commercial Mortgage Provider WINNER: Norwich & Peterborough Building Society Highly Commended: Shawbrook Bank Commended: Aldermore Commercial Mortgage Introducer of the Year WINNER: Omega Commercial Solutions Ltd Highly Commended: B2B Mortgages Commended: Christie Finance 2

3 Best Bridging Finance Provider WINNER: Dragonfly Property Finance Highly Commended: Lancashire Mortgage Corporation Commended: Precise Mortgages Best Service from a Bridging Finance Provider WINNER: United Trust Bank Highly Commended: MT Finance Commended: Bridgebank Capital Bridging Finance Introducer of the Year WINNER: Positive Lending Highly Commended: Niche Financial Solutions Commended: SPF Short Term Finance Best Development Finance Provider WINNER: Aldermore Highly Commended: Regentsmead Commended: United Trust Bank Best Factoring & Invoice Discounting Provider WINNER: Close Brothers Invoice Finance Highly Commended: Bibby Financial Services Commended: Hitachi Capital Invoice Finance Best Leasing & Asset Finance Provider WINNER: Lombard Highly Commended: Investec Asset Finance Commended: BNP Paribas Leasing Solutions Best Business Motor Finance Provider WINNER: Hitachi Capital Business Finance Highly Commended: Close Brothers Motor Finance Commended: Arval Best Service from an Asset Based Finance Provider WINNER: Investec Asset Finance Highly Commended: BNP Paribas Leasing Solutions Commended: Hitachi Capital Invoice Finance Asset Based Finance Broker of the Year WINNER: Touch Financial Support Highly Commended: B2B Cashflow Solutions Commended: Select Business Finance Best Business Recovery Specialist WINNER: SFP Highly Commended: Duff & Phelps Commended: Baker Tilly Best Corporate Finance Boutique WINNER: Beer & Young Highly Commended: Livingstone Partners Commended: Ebury Best Alternative Funding Provider WINNER: Funding Circle Highly Commended: MarketInvoice Commended: Boost Capital Best International Solution Provider WINNER: Santander Highly Commended: Barclays Bank Commended: HSBC Business Product Innovation of the Year WINNER: Lloyds Bank Highly Commended: Skipton Business Finance Commended: Just Cash Flow PLC Innovation in the SME Finance Sector WINNER: Santander Highly Commended: Alternative Business Funding Commended: Hitachi Capital Invoice Finance Business Start-up Bank of the Year WINNER: Lloyds Bank Highly Commended: Santander Commended: Barclays Bank Best Service from a Business Bank WINNER: Allied Irish Bank (GB) Highly Commended: Aldermore Commended: Shawbrook Bank Business Bank of the Year WINNER: Santander Highly Commended: Lloyds Bank Commended: Barclays Bank 3

4 Contents Meeting the Best Business Current Account Provider...7 Best Business Variable Rate Deposit Account Provider...9 Best Charity Account Provider...11 Commercial Finance Specialist Distributor of the Year...12 Buy-to-Let Mortgage Broker of the Year...13 Best Service from a Buy-to-Let Mortgage Provider...15 Best Commercial Mortgage Provider...17 Best Service from a Commercial Mortgage Provider...19 Commercial Mortgage Introducer of the Year...20 Bridging Finance Introducer of the Year...21 Best Bridging Finance Provider...23 Best Development Finance Provider...25 Best Factoring & Invoice Discounting Provider...27 Best Leasing and Asset Finance Provider...29 Best Service from an Asset Based Finance Provider...31 Best Business Recovery Specialist...33 Best International Solution Provider...35 Business Product Innovation of the Year 32 Day Base Linked Deposit Account...37 Innovation in the SME Finance Sector Trade Portal...39 Business Start-up Bank of the Year...41 Best service from a Business Bank...43 Business Bank of the Year...45 In March, the winners of the 16th annual Business Awards were announced at the prestigious Lancaster London Hotel, recognising those providers, brokers and trade bodies who helped to make last year a more positive one for businesses. Over 500 industry professionals from leading financial institutions and industry bodies gathered at a special dinner hosted by comedian Ed Byrne. Awards were presented to those companies and brokers who have consistently offered the most competitive products, given the best levels of service and shown the greatest innovation in the business and commercial finance world during the last 12 months. Invaluable support Special thanks go to the National Association of Commercial Finance Brokers, Asset Based Finance Association, Forum of Private Business, Federation of Small Businesses, and National Enterprise Network for their welcome support of the event. Thanks also go to BNP Paribas, Shawbrook Bank, United Trust Bank and West One Loans for their sponsorship of individual broker award categories. A final thank you goes to MT Finance and Dragonfly for their respective sponsorship of the drinks reception and the post-event entertainment. In order to ensure the continued relevance of the individual awards, this year witnessed the introduction of a new category. In recognition of the continuing financial importance for businesses trading overseas, we added the Best International Solution category to the list. By combining our rigorous product monitoring process with Asset Based Finance Broker of the Year

5 challenges feedback from the business community, we were able to shortlist a worthy list of finalists. Providing funding solutions While challenges remain for the business sector, especially for those seeking finance, there is little doubt that the levels of choice and a willingness to find real funding solutions both improved throughout the year. The continued growth of the alternative finance sector and the hunger for business being displayed by the challenger providers have provided a real boost. When added to the supportive work being undertaken by brokers, this combination has offered a real breakthrough within the commercial finance world. The need to continue the good work that has been started is vital and a continued commitment to quality and product choice displayed by the worthy finalists and eventual winners of these awards is of paramount importance. Many thanks to all the guests who attended the dinner and made the event the huge success it was. Congratulations to all the winners, and a special thank you to all those who took the time to vote. We hope to see you all again next year and look forward to an equally competitive set of categories at the 2016 Business Awards. Lee Tillcock, Editor, Business 5

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7 Best Business Current Account Provider WINNER L - R: Lee Tillcock, Pak Chan (Director of Business Banking, Products and Services, Santander) and Ed Byrne. By continuing to provide products that meet the needs of businesses of all sizes, Santander has once again claimed the title of Best Business Current Account Provider. In an increasingly competitive market, businesses have enjoyed the certainty of pricing that the monthly tariff range provides. HIGHLY COMMENDED Barclays Bank COMMENDED Lloyds Bank FINALISTS HSBC Norwich & Peterborough Building Society Royal Bank of Scotland The Co-operative Bank TSB At Santander, we are committed to helping people and businesses prosper. We are extremely proud and delighted to have won Best Business Current Account Provider for the 13th successive year. This award is a real testimony to our commitment to help businesses prosper and grow. We look forward to continuing our hard work to help businesses with our award-winning current accounts and great customer service provided by Local Business Managers. Reza Attar-Zadeh, Head of Retail Customer Relationship Management, Products and Services, Santander Contact Website: 7

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9 Best Business Variable Rate Deposit Account Provider WINNER L - R: Lee Tillcock, Richard Taylor (Head of Products Savings, Aldermore) and Ed Byrne. A deserved winner of this award for its straightforward, no-nonsense variable rate deposit accounts, Aldermore remains committed to providing customers with competitive interest rates and no hidden charges. Consistent appearances of accounts in best buy selections further underline this welcome approach. At Aldermore we believe business savings should be hassle-free and rewarding. We are therefore delighted to have won this prestigious award recognising our straightforward approach to providing small and medium-sized enterprises (SMEs) with consistently competitive savings accounts. Simon Healy, Managing Director of Savings, Aldermore HIGHLY COMMENDED Nationwide Building Society COMMENDED Cambridge & Counties Bank FINALISTS Bank of Cyprus UK Bath Building Society ICICI Bank UK Santander Shawbrook Bank Contact Aldermore Business Savings Telephone: Website: Opening Hours: Monday - Friday 8.00am pm 9

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11 Best Charity Account Provider WINNER L - R: Lee Tillcock, Ges Kavanagh (Operations Manager, Retail Business Banking, Lloyds Bank), Lee Hallam (Head of New Customer & Operational Support, Retail Business Banking, Lloyds Bank) and Ed Byrne. By winning this award for five years in a row, Lloyds Bank has displayed its firm commitment to the not-for-profit sector. Its continuing support from specialist relationship managers to provide tailored banking solutions, with free and convenient banking whenever possible, has best met the primary challenges in this specialist sector. HIGHLY COMMENDED CAF Bank We are delighted to be named Best Charity Account Provider for the fifth year in a row. The team here at Lloyds are truly focused on ensuring that all charities have the banking support they need to achieve their aims. Lee Hallam, Head of New Customer & Operational Support, Retail Business Banking, Lloyds Bank Contact Website: lloydsbank.com/business COMMENDED The Co-operative Bank FINALISTS NatWest/Royal Bank of Scotland Santander State Bank of India Triodos Bank Unity Trust Bank 11

12 Commercial Finance Specialist Distributor of the Year WINNER Winning this award last year meant a huge amount to the commercial team at Brightstar, but to be announced as the winner for 2015 and to hold the award for two consecutive years is very special indeed. L - R: Lee Tillcock, Robert Collins (Director of Commercial Lending, Brightstar Financial) and Ed Byrne. Following another year of impressive growth, Brightstar Financial has cemented its position as the premier specialist distributor in the commercial finance sector. The support and expert guidance it provides as standard practice was singled out for specific praise thanks to its continued dedication to making deals happen. HIGHLY COMMENDED Vantage Finance COMMENDED Crystal Mortgages Ltd FINALISTS 3mc AToM Finance 4 Business Intelligent Loans Y3S Group It feels like a real endorsement of everything we are trying to do as a team and as a company to bring expert, specialist knowledge and top quality service to our broker and introducer partners. Robert Collins, Director, Commercial Lending, Brightstar Financial Contact Address: Unit 7 Lake Meadows Business Park, Woodbrook Crescent, Billericay, Essex, CM12 0EQ Telephone: option 4 Website: 12

13 Buy-to-Let Mortgage Broker of the Year Sponsored by Buy-to-let is no longer the sole preserve of the portfolio landlord, with a range of investors now attempting to profit from property. However, whether you are a seasoned pro or a novice, it pays to use a broker to find the best buy-to-let mortgage available, and we are pleased to recognise those intermediaries who excel at helping their clients to do this. Stephen Wasserman, Director, West One Loans WINNER L - R: Lee Tillcock, Duncan Kreeger (West One Loans), Steve Olejnik (Sales Director, Mortgages for Business) and Ed Byrne. As part of the awards process we invited feedback on each of our finalists. Feedback for Mortgages for Business included: They have been extremely helpful and efficient in complex buy-to-let cases where others could not assist. They are an excellent group of individuals, working tirelessly for clients to get the best deals in town. Their personal service and follow-through is second to none. Communication, both on a regular basis and throughout the process of application, is superb. HIGHLY COMMENDED London & Country Mortgages COMMENDED H D Consultants FINALISTS AToM Coreco Positive Commercial Finance TBMC The Buy to Let Business We are delighted to have won this award for the fourth year running. It is very gratifying when an authoritative publication from the Group recognises our efforts, particularly in such a competitive market. Our sincere thanks go to all who supported us. I would also like to thank all the staff at Mortgages for Business for working so hard and competently over the last year. The team s commitment to customer service and going the extra mile has really paid dividends. Steve Olejnik, Sales Director, Mortgages for Business Contact Telephone: Website: 13

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15 Best Service from a Buy-to-Let Mortgage Provider WINNER L - R: Lee Tillcock, Simon Wallace (Head of Commercial Lending, Virgin Money) and Ed Byrne has been a year in which this provider has made giant strides, with its Partnerships approach finding particular favour. As a result, Virgin Money was a worthy victor in this competitive category. Specifically praised for its constantly improving service levels and the expert knowledge of its BDMs, it also offers long-term, good value products that meet the current needs of brokers and landlords. HIGHLY COMMENDED Skipton Building Society COMMENDED Aldermore It s fantastic that Virgin Money received the accolade of Best Service Provider from a Buy-to-Let Mortgage Provider in the 2015 Business Awards. Providing a high-quality service to our intermediary partners and customers is very important to Virgin Money - recently demonstrated by the intermediary commitments we announced for and it s great to be recognised in this way, especially as intermediaries themselves are invited to vote as part of the judging process. Thank you to everyone who has supported us in winning this award. Peter Rogerson, Mortgages Commercial Director, Virgin Money Contact Website: FINALISTS Bank of China BM Solutions Kent Reliance Keystone Buy to Let Mortgages Paragon Mortgages 15

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17 Best Commercial Mortgage Provider WINNER L - R: Lee Tillcock, Stephen Johnson (Managing Director, Commercial Mortgages, Shawbrook Bank), Karen Bennett (Sales & Marketing Director, Commercial Mortgages, Shawbrook Bank) and Ed Byrne. An innovative product range has seen Shawbrook Bank win this category for the first time. A strong commitment to lending has seen it offer businesses a wide product choice at the same time as making lending decisions based on a common sense approach. It has subsequently taken the crown as the premier commercial lending provider. HIGHLY COMMENDED Lloyds Bank COMMENDED Barclays Bank FINALISTS Aldermore HSBC InterBay Commercial Norwich & Peterborough Building Society Santander It is hugely satisfying to be the recipient of such a prestigious award and each department at Shawbrook Bank, Commercial Mortgages, may take a share in this achievement. I would like to extend my personal thanks for their efforts over the past 12 months, and know that they remain committed to supporting a market that provides crucial funding to investors and SMEs across the UK. Equally, we would not have realised this success without the support of the brokers that sit at the heart of our business. Their professionalism and dedication to servicing clients in the best possible way is one of the reasons we have experienced this success, and I look forward to our continued partnership. Karen Bennett, Sales and Marketing Director, Commercial Mortgages, Shawbrook Bank Contact Telephone: Website: 17

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19 Best Service from a Commercial Mortgage Provider WINNER L - R: Lee Tillcock, Graham Toy (Head of Commercial and Social Housing, Norwich & Peterborough Building Society) and Ed Byrne. By utilising its specialist commercial mortgage team, Norwich & Peterborough Building Society has clearly offered excellent support in the commercial mortgage sector. Its continued use of an innovative and flexible approach has enabled it to win this highly competitive category. Delivering exceptional customer service to our existing customers and the broker community is at the core of our proposition. We pride ourselves on delivering fast and flexible bespoke decisions. An example of meeting customer needs is our unique commercial offset mortgage. All of our staff are contactable on a direct-dial basis, ensuring that we can build and maintain a strong and productive relationship. We are proud to receive national recognition for the hard work and dedication of the team at N&P by receiving the award for Best Service from a Commercial Mortgage Provider. Graham Toy, Head of Commercial and Social Housing, Norwich & Peterborough Building Society HIGHLY COMMENDED Shawbrook Bank COMMENDED Aldermore FINALISTS Barclays Bank InterBay Commercial Lloyds Bank Metro Bank Santander Contact Address: Lynch Wood, Peterborough PE2 6WZ Telephone: Website: full-mortgage-range/commercial-mortgages/ 19

20 Commercial Mortgage Introducer of the Year Sponsored by Brokers make up a crucial part of the financial landscape and we are proud to support a category that recognises outstanding service in this space. As regulatory pressures increase, we look forward to continuing to work with professional broker partners in order to build sustainability and deliver desired outcomes for customers. Stephen Johnson, Managing Director, Commercial Mortgages, Shawbrook Bank WINNER L - R: Karen Bennett (Sales and Marketing Director, Commercial Mortgages, Shawbrook Bank), Mark Jones (Sales Director, Omega Commercial Solutions Limited), David Sampson (Operations Director, Omega Commercial Solutions Limited) and Ed Byrne. As part of the awards process we invited feedback on each of our finalists. Feedback for Omega Commercial Solutions Limited included: Omega are considerably proactive with a vast amount of knowledge and experience, which enables me to structure a request in a manner that finds solutions for the client and lender alike. The team and back-up facilities offered by Omega appear to be spot-on, so as an entity, Omega seems to be a very tightly run operation. Having dealt with a number of similar firms over the years, Omega proved to be a 'cut above' the others. HIGHLY COMMENDED B2B Mortgages COMMENDED Christie Finance FINALISTS Acorn Commercial Finance B&P Finance Consultants Ltd Bespoke Business Finance LLP Building Funding Solutions Ltd Mortgages for Business We d like to take this opportunity to thank everyone who has supported Omega, and to say that we are extremely proud to have won the award. We re conscious of the fact that this recognition is the result of hard work from both our team and our business partners. We pride ourselves on the service we deliver to our customers and this award is a testament to the quality of that service. From everyone at Omega, thank you. We are absolutely thrilled to have won Commercial Mortgage Introducer of the Year. Mark Jones, Sales Director, Omega Commercial Solutions Limited Contact Address: 1 Arlington Court, Arlington Business Park, Whittle Way, Stevenage, Herts SG1 2FS Telephone: Website: 20

21 Bridging Finance Introducer of the Year Sponsored by United Trust Bank s Bridging Department has placed broker relationships and service excellence at the centre of our proposition. The importance of professional brokers to the continued growth and professionalism of the bridging sector cannot be overestimated. Our sponsorship of this important award category is a recognition of the role that brokers play in the short-term bridging sector. Alan Margolis, Head of Bridging, United Trust Bank WINNER L - R: Alan Margolis (Head of Bridging, United Trust Bank), Paul McGonigle (Managing Director, Positve Lending [UK] Limited) and Ed Byrne. As part of the awards process we invited feedback on each of our finalists. Feedback for Positive Lending included: An excellent service from start to finish. Paul McGonigle and the team at Positive excelled in all areas, dealing with issues outside of office hours and working through problems with calm professionalism. Very knowledgeable, friendly and efficient service with commission payments, which is very valuable in today s climate. HIGHLY COMMENDED Niche Financial Solutions COMMENDED SPF Short Term Finance FINALISTS Brightstar Financial Enterprise Finance Finance 4 Business Only Bridging Voltaire Bridging I was delighted to collect the award on behalf of all those at Positive Lending who strive to ensure that our intermediaries and clients get the very best service in specialist lending. After being shortlisted for three years without success, I was overjoyed to receive this accolade from Business, and for the team around me it is a rewarding acknowlegement of their continued excellence. I would like to thank the publication and all those who nominated us for this category. Paul McGonigle, Managing Director, Positive Lending (UK) Limited Contact Address: Positive Lending (UK) Limited, Arena Business Centre, 9 Nimrod Way, Ferndown Industrial Estate, Ferndown, Dorset BH21 7UH Telephone: Website: 21

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23 Best Bridging Finance Provider WINNER L - R: Mark Posniak (Head of Sales & Marketing, Dragonfly Property Finance), Justin Cooper (BDM, Dragonfly Property Finance), Maria Magnussen (BDM, Dragonfly Property Finance), Dmitri Zaprzala (Head of New Business, Dragonfly Property Finance), Suparn Sapatnekar (Credit Manager, Dragonfly Property Finance) and Ed Byrne. Another extremely successful year has seen Dragonfly Property Finance retain its place as the leader in this growth sector, making it five wins in a row. By charging competitive rates and displaying an innovative approach, it has continued to offer a wide range of short-term lending products to retain its award with style. To be named Best Bridging Lender for five years in a row at the prestigious Business Awards is something we, and Octopus as a whole, are extremely proud of. Many of us at Dragonfly have been working together for a number of years now, and this latest award is an example of what can happen if a dedicated and driven group of people pull in the same direction. We were up against a number of excellent lenders in this category and to win despite this makes the award better still. Mark Posniak, Head of Sales & Marketing, Dragonfly Property Finance HIGHLY COMMENDED Lancashire Mortgage Corporation COMMENDED Precise Mortgages FINALISTS Bridgebank Capital Masthaven Bridging Finance Ltd MT Finance Shawbrook Bank United Trust Bank Contact Address: Dragonfly Property Finance, 33 Holborn, London EC1N 2HT Telephone: Website: 23

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25 Best Development Finance Provider WINNER L - R: Lee Tillcock, Keir Morris (Property Development Manager, Aldermore) and Ed Byrne. By providing fast and available finance at competitive rates, Aldermore is the inaugural winner of the Best Development Finance Provider award. Its team of property development finance experts have delivered flexible tailored funding solutions across a full range of loan-to-cost and gross development values. HIGHLY COMMENDED Regentsmead COMMENDED United Trust Bank FINALISTS Bishopsgate Funding Goldentree Financial Services Hampshire Trust Bank Omni Capital Precise Mortgages Aldermore is grateful to the readers of Business for helping us achieve the Best Development Finance Provider award. Our industry is full of talented and hardworking people who care immensely about their jobs. Awards like these reward organisations and people who innovate and support their customers: Aldermore grew strongly in 2014 and this would not be possible without support from brokers, intermediaries and customers. This award has been great in solidifying Aldermore s reputation for great service in development finance, and is an effective way of demonstrating our commitment and expertise to brokers and customers. Charles Haresnape, Managing Director, Mortgages and Commercial Lending, Aldermore Contact Aldermore Property Development Finance Telephone: Website: property-finance/property-development-finance// 25

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27 Best Factoring & Invoice Discounting Provider WINNER L - R: Andy Leopold (Head of Sales, South, Close Brothers Invoice Finance), Clive Gould (Director of Credit, Close Brothers Invoice Finance) and Ed Byrne. Excellent product options and services delivered via a flexible approach have seen Close Brothers Invoice Finance retain this extremely hard-fought category. By providing creative solutions to businesses of all sizes, it has remained the leader in this incredibly important sector. HIGHLY COMMENDED Bibby Financial Services COMMENDED Hitachi Capital Invoice Finance FINALISTS ABN AMRO Commercial Finance Aldermore RBS Invoice Finance Santander Invoice Finance Skipton Business Finance We re thrilled to have beaten off stiff competition and been named the UK s Best Factoring & Invoice Discounting Provider for the second year in a row. To win this accolade again is an outstanding achievement and one that demonstrates the dedication and commitment of our team. We understand that obtaining appropriate finance continues to be an issue for many businesses and we are still working hard to increase awareness of the benefits of invoice finance as a sustainable form of funding. I would like to thank all our customers and intermediaries who voted for us and for their continued support. David Thomson, CEO, Close Brothers Invoice Finance Contact Address: Ridgeland House, 165 Dyke Road, Hove BN3 1UY Telephone: Website: 27

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29 Best Leasing and Asset Finance Provider WINNER We re proud to have been named Best Leasing and Asset Finance Provider for 2015 and even prouder to win the award for the seventh consecutive year. L - R: Lee Tillcock, Deborah Ring (Director of Operational Risk & Support, Lombard) and Ed Byrne. By continuing the good work of previous years, Lombard s wide-ranging product choice across the full range of asset types has seen it become a magnificent seven-time winner in this category. A real commitment to value and choice ensures that it has maintained its support for businesses of all sizes when they need it most. HIGHLY COMMENDED Investec Asset Finance COMMENDED BNP Paribas Leasing Solutions FINALISTS Barclays Corporate Close Brothers Asset Finance Hitachi Capital Business Finance Lloyds Bank Commercial Finance Ultimate Finance Group Plc But what also makes us tick is supporting UK businesses and financing the assets they need. Our proactive approach, knowledge and insight have helped hundreds of businesses. So we won t be resting on our laurels. We re here to help UK Plc succeed, and seeing that happen is the most rewarding part of all. Contact Telephone: Website: Security may be required. Product fees may apply. 29

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31 Best Service from an Asset Based Finance Provider WINNER L - R: Lee Tillcock, Mike Francis (Head of Asset Finance, Investec Specialist Finance) and Ed Byrne. By delivering rapid, on-the-ground decisions with a desire to do its best for clients, Investec Asset Finance has retained its crown. Extensive experience and teams of dedicated and local finance specialists were praised in feedback, while the ability to access the best funding solutions for businesses was singled out for specific praise. We are delighted to have won the Business award for Best Service from an Asset Based Finance Provider for the second year running. At Investec we pride ourselves on the quality of service we provide to both brokers and end users, and are constantly looking for ways to deliver a better service; whether that is improving the speed of our credit decisions or developing increasingly userfriendly technology. The team s ongoing hard work and dedication is also reflected by the highly commended award in the Best Asset Finance Provider category. Mike Francis, Head of Investec Asset Finance HIGHLY COMMENDED BNP Paribas Leasing Solutions COMMENDED Hitachi Capital Invoice Finance FINALISTS Aldermore BLME Close Brothers Asset Finance LDF Lloyds Bank Commercial Finance Contact Address: Investec Asset Finance plc, Reading International Business Park, Reading, RG2 6AA Telephone: Website: 31

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