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United Commercial Finance: At your service…

Our experienced advisors will help you choose the most cost effective financial solution for your business.

Joe Patrick photo

Joe Patrick

Joe has a huge breadth of knowledge and experience in the construction sector, having worked in the steel industry for 25 years. His unique understanding from having actually used the products himself gives him great empathy with his customers, but, at the same time, he knows exactly what the funders are looking for to do a deal.

It is this unique, combined experience that enables Joe to find funding solutions where others have failed.

He is consistently able to save his clients’ money on their existing funding arrangements and gets a huge buzz in finding a superb deal for his clients.

Joe also plays pool... Badly.

Andy Smith photo

Andy Smith

After enjoying the success of managing a large retail outlet, Andy spent a decade as a senior figure in world of intellectual property.

His work brought him in touch with the broadest array of businesses of all sizes and industry sectors.

Andy combines this wealth of knowledge and experience of SMEs with his unparalleled enthusiasm and desire to help them succeed. A family man, Andy has represented his country in fishing; a pastime that he still enjoys when time (and wife) permits.

Chris Green photo

Chris Green

Chris has his foundation in construction, managing his own successful heating installation company for more than 20 years. So naturally, he is drawn back to this arena to help other business owners in this sector.

Now with his knowledge of invoice finance he has a range of funding solutions to hand from experts who really understand the construction industry.

His main focus is working with clients to ease them through their Applications for payment, CIS and Stage payments.

Joe Patrick photo

Joe Patrick

Joe has a huge breadth of knowledge and experience in the construction sector, having worked in the steel industry for 25 years. His unique understanding from having actually used the products himself gives him great empathy with his customers, but, at the same time, he knows exactly what the funders are looking for to do a deal.

It is this unique, combined experience that enables Joe to find funding solutions where others have failed.

He is consistently able to save his clients’ money on their existing funding arrangements and gets a huge buzz in finding a superb deal for his clients.

Joe also plays pool... Badly.

Andy Smith photo

Andy Smith

After enjoying the success of managing a large retail outlet, Andy spent a decade as a senior figure in world of intellectual property.

His work brought him in touch with the broadest array of businesses of all sizes and industry sectors.

Andy combines this wealth of knowledge and experience of SMEs with his unparalleled enthusiasm and desire to help them succeed. A family man, Andy has represented his country in fishing; a pastime that he still enjoys when time (and wife) permits.

Chris Green photo

Chris Green

Chris has his foundation in construction, managing his own successful heating installation company for more than 20 years. So naturally, he is drawn back to this arena to help other business owners in this sector.

Now with his knowledge of invoice finance he has a range of funding solutions to hand from experts who really understand the construction industry.

His main focus is working with clients to ease them through their Applications for payment, CIS and Stage payments.

Jos Patrick photo

Jos Patrick

Jos is the youngest member of the team, but he comes to United Commercial Finance with four years’ experience from two national brokerage firms.

During that time, he developed an envious relationship with some of the UK’s largest funders; relationships he has built on to open doors that other brokers may not know exist.

Jos’s clients can tell you how much of a petrol head he is as well.

Ian Lloyd photo

Ian Lloyd

As a business owner of 14 years, Ian has experienced all the ups and downs you have.

Having enjoyed a successful career in the IT industry, he then worked with SMEs across many industry sectors with the production of their business plans and marketing strategies.

Ian brings a broad range of experience to our clients from our satellite office in Farringdon, near Oxford.

When he’s not helping clients, you can find Ian walking his Labrador, drinking wine, and enjoying life with his wife and family.

Ozma Nasir photo

Ozma Nasir

Ozma joins us having run her own private language academies for 15 years.

She also brings a decade of experience in running facilities management companies, with clients in both the construction and commercial sectors.

During this time, she became an active user of invoice financing, and developed an uncanny knowledge of the pros, cons, pitfalls, and importance of invoice finance; something she now shares with clients on a daily basis.

She also understands first-hand the vital importance of a good broker.

With the back-up of the vast combined experience of UCF, Ozma is ideally placed to help guide her clients through the commercial finance maze.

Jos Patrick photo

Jos Patrick

Jos is the youngest member of the team, but he comes to United Commercial Finance with four years’ experience from two national brokerage firms.

During that time, he developed an envious relationship with some of the UK’s largest funders; relationships he has built on to open doors that other brokers may not know exist.

Jos’s clients can tell you how much of a petrol head he is as well.

Ian Lloyd photo

Ian Lloyd

As a business owner of 14 years, Ian has experienced all the ups and downs you have.

Having enjoyed a successful career in the IT industry, he then worked with SMEs across many industry sectors with the production of their business plans and marketing strategies.

Ian brings a broad range of experience to our clients from our satellite office in Farringdon, near Oxford.

When he’s not helping clients, you can find Ian walking his Labrador, drinking wine, and enjoying life with his wife and family.

Ozma Nasir photo

Ozma Nasir

Ozma joins us having run her own private language academies for 15 years.

She also brings a decade of experience in running facilities management companies, with clients in both the construction and commercial sectors.

During this time, she became an active user of invoice financing, and developed an uncanny knowledge of the pros, cons, pitfalls, and importance of invoice finance; something she now shares with clients on a daily basis.

She also understands first-hand the vital importance of a good broker.

With the back-up of the vast combined experience of UCF, Ozma is ideally placed to help guide her clients through the commercial finance maze.

Andrew Major photo

Andrew Major (Mags)

Andrew joins the brokerage with a breadth of experiences few people could match.

Having moved to London on a transfer with Legal & General in the 90s, Andrew found international fame with Newport-based satirical rap band Goldie Lookin' Chain.

The nation fell in love with Andrew all over again, as millions followed his journey on Celebrity Big Brother 2006 (…the one Chantelle won).

A great people-person and has already quickly established himself in the commercial finance market.

Business-minded, instantly likeable and intelligent, Andrew brings with him exactly the sort of integrity that we adore.

He’s never lost his love of music, so don’t be surprised to find him spinning vinyl to a clubbing crowd.

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