This is a well-respected board of directors. Their collective experience is something that a company cannot put a price on.

They recognise the potential and clear growth strategies of the businesses that the Group will fund.

John Davies

John Davies - Director

John’s passion is helping businesses thrive and grow by providing much needed funding where possible and sharing his hard earned business lessons.

As the founder of Just Loans Group PLC, he is focussed on helping to bridge the funding gap that has restricted the growth of British industry.

The Group helps businesses to invest and grow through its three subsidiaries, Just Cash Flow PLC, Just Finance Loans & Investments PLC and Just Bridging Loans PLC

John draws on his 30 plus years of experience gained through founding and running a number of companies to give guidance to existing and potential business owners.

He is frequently asked to chair or contribute at industry-wide events under the key theme of helping businesses avoid potential pitfalls and the need to focus on key business fundamentals such as planning, forecasting and managing cash flow.

He is a strong advocate for there to be a formal qualification for directors before they set up in business.

Recently he has shared his experience and expertise at a number of FinTech events to educate tech entrepreneurs about the different forms of funding available to them and the need to bring their products to market.

John McLellan

John McLellan - Chief Operating Officer

John McLellan is Chief Operating Officer of the wholly-owned subsidiary, Just Cash Flow PLC, and a specialist in business finance, including credit, collections and risk sectors.

Before joining the Group, John ran his own consultancy, undertaking various projects across Pan-European Financial Services providers to optimise performance and reduce costs.

Prior to starting his own business John held senior management positions with Aktiv Kapital (UK) LTD, Cabot Financial (Europe) LTD and Royal Bank of Scotland.

John is a former Director and Council member of the Credit Services Association and is a member of The Chartered Banker Institute.

The Just Loans Group PLC

The Just Loans Group PLC - Corporate Director

The Parent company of The Just Loans Group.

The Group has entered the alternative finance sector to help bridge the funding gap that has restricted the progress of UK businesses, by providing income-producing loans to its subsidiaries in order that they can finance appropriate companies.

Just Cash Flow PLC is a 100% wholly owned subsidiary of The Just Loans Group PLC.

Robert Boot

Robert Boot - Finance Director

Robert Boot is a Fellow of the Institute of Chartered Accountants in England and Wales.

Robert has held senior executive and non-executive positions in a number of industries, in particular construction services, property development, IT and Corporate Finance. He has been responsible for, or directly involved in, listing companies on AIM, GXG and ISDX.

Robert has been responsible for investment, mergers, acquisitions and sales of many SME businesses in various parts of the world including the UK, Continental Europe, the Middle East, Far East, Australia and the USA.

He has been a member of the Bank of England's Panel for South London since 1997.

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Philip Ruddall

Phillip Rudall - Head of Risk

Phillip has over 25 years experience as a commercial solicitor specialising in a number of areas including commercial lending, corporate sales and commercial litigation.

He also has acted in an advisory role to a variety of financial institutions throughout Europe including GMAC, Masterlease and ING Bank.

His experience and expertise helped create many of our lending policies and practices. He is responsible for sanctioning all lending and assists in the ongoing management of our loan book.

Patrick O'Malley

Patrick O'Malley - Business Analyst

Patrick brings a wide spectrum of underwriting skills, he joined 2nd November 2015 as a Business Analyst from Zenith Lease Drive, where his role was to underwrite the Business and Directors for the purpose of gaining approval to run a white label car leasing operation.

Prior to that he worked at Secure Trust Bank for 5 years as an underwriter for lending and asset finance.

Wayne Martin

Wayne Martin - Broker Relations Manager

Wayne has built up a wide range of financial services experience and prides himself on his ability to help customers cut through any jargon.

"It's very important to assess someone's level of financial knowledge and talk in a way everyone can understand - customers really appreciate this," says Wayne.

What's also appreciated is his ability to assist colleagues with the more complicated finance applications and his expert Property and Bridging knowledge.

He developed his knowledge, skills and customer focus during his time with Egg Finance, Purple Loans and G.E. Money.

Ken Ramsay

Ken Ramsay - Account Director

Ken has over 38 years experience with Royal Bank of Scotland and has always taken immense pride in delivering excellent service to his customers. Evidence of his successful approach is the number of customers that asked to follow him whenever he moved branch or portfolio.

With over 15 years direct relationship management experience he is ideally placed to assess business finance applications with a focus on how the additional finance is going to help a business prosper. His knowledge and customer service focus ensures the right businesses get the right amount of finance they require.

"The facts and figures behind a finance application are important but I really enjoy asking the right questions that help me understand what motivates the person behind the business and how we can support their growth plans," says Ken.

Douglas Neil

Douglas Neil - Account Director

Douglas and his colleagues are the reason we receive outstanding customer feedback - "This is like Business Banking used to be".

This isn't surprising as during a long career with Clydesdale Bank he took responsibility for managing a large portfolio of SMEs. Excellent relationship management skills, the ability to identify customer needs and a record of providing innovative solutions were a winning combination that led to a series of rapid promotions.

"Many businesses tell us they were initially put off applying for finance because they believed it would take several weeks and they simply 'didn't have the time'. It's good to regularly receive positive feedback on how we sort everything out in just a number of days," says Douglas.

David Kerr

David Kerr – Account Director

David has over 36 years experience in a variety of senior roles in Commercial Banking, Asset Finance and Corporate Real Estate where he prided himself in being able to assist his customers meet their growth aspirations.

In his short time with Just Cashflow, David says, "Many customers comment on the speed of our response and the positive attitude we show to seeking an appropriate solution to their funding requirements"

Kenny Ramsey

Kenny Ramsay – Account Director

Kenny Ramsay is proud to say he has ‘been round the block a few times’.

On that journey he clocked up 40 years with Clydesdale Bank - 16 of these focussed on business banking.

After a short break to ‘recharge the batteries’ he was tempted to start using all of his experience with Just Cashflow and says "I really enjoy the entrepreneurial spirit and customer focus".

He adds, "It is refreshing to have the time to talk to a customer about their business and ask how we can support them both now and in the future. It’s like business banking used to be.

“It’s very rewarding to get such positive customer feedback such as - thanks for showing such genuine interest in my business”.

Steven McNair

Steven McNair  – Account Director

Steven McNair had a plan when he retired after 40 years with the Clydesdale and Allied Irish banks - to get what his friends describe as a ‘very competitive’ golf handicap down. 

However, this has now been postponed because he has decided to keep using all of that Business Banking relationship experience. 

He says, “Increasingly businesses are saying we can’t wait for an appointment in two weeks time when we need an answer now. This isn’t surprising given that opportunities such as being able to buy a competitor's stock at half price don’t last for long.

“At Just Cashflow I can use all my experience to give those timely answers and get back to developing a relationship with customers - it’s what they want, what I enjoy and what feedback tells me is really appreciated.”

Danny Bulloch

Danny Bulloch  – Account Director

Danny Bulloch prides himself on being a man that can ask the right questions. It’s an excellent skill set to have when you are dealing with businesses that want a timely response to their finance applications.

This ability has been developed through many years of practice - 28 with RBS; first as a Business Relationship Manager and then as an Area Director. 

He is really enjoying his new challenge with Just Cashflow and says, ”It’s really important to ask the right questions as that quickly allows you to get to understand more about the customer’s business and assess their finance application.

“It’s refreshing to receive such positive customer feedback - on many occasions I am told they haven't previously experienced such a professional service and good questions.”

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Jenny Cooper

Jenny Cooper - Head of Marketing

Jenny has over 25 years marketing experience and drove the integrated marketing activity that made ING Direct one of the most successful ever new savings entrants to the UK marketplace.

She has a key role to play in ensuring our targeted marketing activity both builds our Brand awareness and delivers business results.

Toni Evans

Toni M Evans - Head of Engagement

Toni has a First Class Hons Bachelor Degree and Masters Degree in Law. She has worked in the Travel, Print and Design industries for over 20 years.

One of her key roles is managing the company's social media ensuring that the online marketing potential and relationships are maximised within the social spectrum.

Martin Rutland

Martin Rutland - Head of Communications

Martin has over 30 years experience in financial corporate communications with companies that include Legal and General, Access, HSBC, Household International, and ING Direct. He has taken the lead media role in the launch and establishment of major brands such as the Goldfish Credit Card and ING Direct.

He is responsible for our communications strategy with the media and increasing range of business partners.

Joseph Lee-Brown

Joseph Lee-Brown - Digital Creative Head

Joseph has over 20 years of global experience with an emphasis on identity development and brand implementation across numerous touch points.

He has invaluable knowledge of the rapidly changing digital world.

Past experience covers a range of major blue chip companies including Lloyds Banking Group, HSBC, HSBC Midland, Vodafone, Standard Bank and Hanson PLC.

Barnaby Wynter

Barnaby Wynter - Head of Marketing Strategy

Barnaby spent many successful years in the advertising industry before being appointed as the youngest MD of a top 200 ad agency in 1999.

He has since been dedicated to developing and nurturing a formula for success that addresses fundamental changes in marketing.

Now a professional business speaker in disruptive marketing, along with experience in working on a number of major brand launches, Barnaby is using his considerable experience and expertise to help develop and deliver our overall brand strategy.

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Just Cash Flow PLC
1 Charterhouse Mews
London EC1M 6BB

020 3199 6379

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