Michael Collins

Business development manager


Michael has a strong history of supporting SME and mid-market firms, with a specialist knowledge of complex debt structures and a focus on delivering exceptional service.

Some of Michael’s career highlights include a £4m FID facility to support recruitment for a Cheshire-based manufacturer and a £10m ABL for a North-East producer of cleaning equipment.

  • 7 years of commercial lending experience
  • Chartered banker with a Diploma in Financial Analysis and Level 3 and 4 Banking and Financial Services BPP
  • Specialist knowledge of logistics, recruitment and manufacturing
  • Previously worked for Metro Bank and NatWest Group
+44 7553 230959

Julian Hornby



Julian has strong commercial lending experience, with specialist knowledge of the consumer retail, technology and media sectors. Career highlights include a £5m facility for social-first publisher Jungle Creations and a £10m facility for a digital freight forwarding start-up.

He was also part of the GapCap team, which was acquired by the Growth Lending Group in 2020, bringing with him first-hand experience of the transition from start-up to scale-up.

  • More than 6 years’ experience
  • Chartered Management Accountant (CIMA, 2019) 
  • BSc, Management (Accounting and Finance), University of Manchester
+44 (0)20 3854 3530
Gemma Pyne

Gemma Pyne

Business development executive


Having two dogs and a daughter means that Gemma’s weekends are spent trekking around local parks, which almost always ends with her juggling a scooter, twigs and child. She enjoys interior design, from upcycling to making flower boxes from scratch, and recently discovered a hidden talent for darts.

  • Formerly worked for Siemens Invoice Finance
  • Currently completing a UK Finance foundation course
  • Previously completed a six-month Women’s IMPACT Programme
0203 746 1912
Tom Stewart

Tom Stewart

Regional director


Tom has structured and closed numerous transactions across London and the Midlands, including growth facilities, acquisitions and refinances.

Positive and motivated, with extensive experience in the ABL market, Tom works closely with the professional advisory community and has forged strong working relationships with accountancy firms, corporate finance, debt advisors, restructuring professionals and brokers – with the aim of being their first-choice funding partner.

  •  9 years’ experience in ABL and receivables finance
  • Previously worked at RBS and Bibby Corporate
  • BA (Hons), Business Studies, University of Northumbria
  • Jönköping International Business School, one-year International Entrepreneurship Course in Sweden
  • Tom’s experience abroad has embedded an appreciation and passion for structuring facilities for UK businesses with international growth ambitions
+44 (0)7783 767260

Vicki Taylor



A keen runner with marathons under her belt, Vicki loves escaping to the Lake District and is planning to walk all 214 Wainwrights. She is teaching herself (slowly) to play the piano and remains a 1990s indie girl at heart, forever praying that Oasis will reform.

  • BA, Politics, University of Liverpool
  • Began her career in asset-based lending in 2007
  • Previously worked for ABN AMRO, RBS and Entrepreneurial Spark
+44 (0)7933 821501

Kelvin Thomas



Kelvin has significant and broad sectorial experience, having supported numerous management teams and stakeholders with buy-outs, buy-ins, restructuring and scaling and has expertise in structuring complex, multi-asset class facilities.

He actively seeks to engage with external partners and funders to best-support the aspirations of growing businesses and in his spare time sports-mad Kelvin is a keen golfer, regularly plays tennis and enjoys skiing – as well as the après!

  • 25 years’ experience in ABL and receivables finance
  • 14 years with ABN AMRO as a Sales Director and has previously occupied senior roles at bank-owned and independent funders
  • Economics graduate
  • Deep appreciation and knowledge of key economic and market factors within Wales and the South West and their impact on SMEs
+447742 514101

Jack Trowbridge

Commercial director


Still holding on to his aspirations of making it as a professional sportsman in some shape or form, Jack can often be found on the football pitch, tennis court or golf course, slowly coming to terms with reality.

  • BA, English, University of Bristol
  • Founding partner of the fintech lender GapCap (now part of Growth Lending)
  • Played a key role in achieving Growth Lending’s CBILS accreditation in 2020
  • Now heads up the Growth Lending Commercial Team
+44 (0)7525 118397