About SMA Finance

SMA Finance is an independent commercial finance advisory specialising in funding solutions for property investors, developers and businesses across the UK.

Built on senior-level experience and deep industry relationships, SMA Finance combines over 50 years of collective expertise across commercial banking, credit, operations and global consulting.

Our founder brings more than 24 years of experience in commercial and corporate banking, having structured, negotiated and approved complex lending transactions across a wide range of sectors. This provides a deep, practical understanding of how lenders assess risk, structure credit and make funding decisions.

Our partner brings over 25 years of experience leading major projects, operational transformation programmes and strategic initiatives within leading banks and global management consultancies. This adds a powerful dimension of operational, strategic and commercial insight, helping clients position their businesses for growth and long-term success.

Alongside this combined expertise, SMA Finance maintains established relationships with over 200 lenders, accessed through our network. This includes high-street banks, challenger banks, specialist lenders, credit funds and private capital providers, ensuring clients benefit from true whole-of-market coverage rather than restricted lending panels.

Together, we combine lender relationships, banking expertise and strategic advisory capability to identify, structure and secure the most appropriate funding solutions for each client.

We advise on a full range of finance solutions, including commercial mortgages, development finance, bridging loans, business loans, asset finance, invoice finance, trade finance, and bespoke structured funding.

Our approach is straightforward: understand your objectives, structure the transaction effectively, and connect you with the right funding partners, delivering the best deal available for you.

SMA Finance – Banking Expertise. Strategic Insight. Better Funding Outcomes.

Combining over 50 years of banking, consulting and commercial experience with access to 200+ lenders through our network, helping businesses and property investors secure capital with confidence.