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Changing the face of business lending

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Welcome to

B-North is here to disrupt the £150bn UK business lending market.

It shouldn't take months to complete a loan facility with your lender.

We are partnering with global fintech leaders to deliver great personal service, transforming the lending experience, both for UK businesses and for commercial finance intermediaries.

To do this takes great people, so we have assembled a team with market leading experience to create a new force in business lending.

Value Proposition

Here at B-North we’re applying for regulatory permission and, if successful, will build a bank which has a singular purpose - to provide finance to UK businesses in a timely, professional & frictionless way. The first genuinely regional business bank in 150 years.

We are building a business with 3 core USPs...

1. We will deliver up to 10x faster than the market standard by combining cloud-native technology with the trust of face-to-face relationship banking;

2. Our unique decentralised model will place core banking functions closer to the customer, in a regional context, including relationship, credit and valuation professionals; and

3. Distribution will be augmented by the large and fast-growing commercial finance broker channel for which we have developed a unique economic proposition.

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Meet the team

Ron Emerson Ron Emerson Chairman Ron Emerson, Chair

Ron Emerson


Ron was the founding Chairman of the British Business Bank (BBB), the UK government's economic development bank aimed at improving access to finance for the small and mid-sized business sector.

During his three years at the helm of BBB, the bank mobilised around £7 billion of new money  for this sector, funded more than 40,000 new start-ups and worked with more than 80 new partners to provide finance from debt to equity, and delivered the Northern Powerhouse and Midlands Engine funds totalling in excess of £600 million. He was awarded a CBE in 2017 for services to International Banking and the financing of small and mid-sized businesses.

A long career in banking has included a period as a Senior Banking Advisor at The Bank of England, including the UK regulator, which was combined with a number of diverse NED roles, and 20 years as a member of the Faculty of Management Studies at Oxford University.

Jonathan Thompson, Founder and CEO Jonathan Thompson Founder & CEO Jonathan Thompson, Founder and CEO

Jonathan Thompson

Founder & CEO

Jonathan is a professionally qualified banker with 26 years’ experience, gained in established and challenger UK banks, having additionally worked in corporate finance and capital advisory as a Director for Deloitte. The majority of his career has been spent in business, commercial and corporate banking and prior to founding B-North, he was with one of the UK’s leading scale challenger banks, Santander, where he was a Divisional Managing Director in its business and commercial bank. 

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Dave Broadbent, Founder and CFO Dave Broadbent Founder & CFO Dave Broadbent, Founder and CFO

Dave Broadbent

Founder & CFO

David is a prize-winning Chartered Accountant who has nearly 20 years of financial services experience in international regulated markets, having served as CFO and CCO of IPF, a FTSE 250 provider of consumer finance. He was a member of the executive management team that developed the business from start-up to IPO. He was also instrumental in the establishment of IPF’s Digital Lending Division. He has an MBA and graduated from Harvard Business School’s Advanced Management Programme.

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Jon Hogan, Non-Exec Director Jon Hogan Non-Exec Director Jon Hogan, Non-Exec Director

Jon Hogan

Non-Exec Director

Jon, one of the B-North founders, is a chartered accountant with over 20 years' of executive and non-executive experience in international financial services, who has had significant NED exposure to UK banking start-ups in the last 8 years.  He was a member of the main board and risk and audit committees and chaired the Remuneration Committee at Atom Bank, one of the UK’s first successful “fintechs”, for its first 4 years, through build, licencing and launch.  Prior to this, he was a NED and audit/risk member at ING Australia, a large wealth management conglomerate, in Sydney for 4 years.  Previous executive roles include CFO of ANZ Australia, one of Australia’s “big 4”, and he was also CFO, COO and Deputy CEO at first direct bank, part of the HSBC UK business.

Jon is also currently on the board of Zopa Bank, a London based fintech start-up bank.

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Robin Churchouse, Independent Non-Exec Director Robin Churchouse Independent Non-Exec Director Robin Churchouse, Independent Non-Exec Director

Robin Churchouse

Independent Non-Exec Director

Robin is an independent non-executive director and Chair of B-North’s Board Risk Committee.  He has over 30 years’ financial services experience in leading finance, risk, operational and strategic planning teams in a wide range of regulated financial services organisations. After studying law at Cambridge, he qualified as a chartered accountant with Price Waterhouse, spent some time as a financial services regulator and then as a strategy consultant with KPMG. Following that he worked as finance and commercial director for a number of mortgage servicing companies before holding a variety of senior executive roles from 2004 to 2017 at the Yorkshire Building Society Group as CFO principally but also covering operational and risk roles.

Robin is also a non-executive director at Belmont Green Finance who specialise in non-standard residential mortgage lending, where he chairs the Board Audit Committee.

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Nimisha Patel Nimisha Patel Independent Non-Exec Director NP

Nimisha Patel

Independent Non-Exec Director

Nimisha began her career at General Electric, starting on the firm’s leadership program, before rising to IT Programme Manager. Nimisha holds a BS in Decision and Information Science from the University of Florida.

At PwC, Nimisha led the IT Internal Audit practice across Insurance and Investment Management. Before this, Nimisha worked at KPMG for 6 years as a Senior Manager, leading a number IT Risk and Consulting engagements in Financial Services. She then moved to insurer RSA where she was tasked with shaping the region’s IT strategy and services necessary to run the firm’s £3.1 billion portfolio, managing a large global team.

Nimisha is currently the Chief Digital Information Officer at the Cabinet Office, responsible for helping to shape the technology strategy at the centre of Government and last year Computer Weekly named Nimisha as their Chief Information Officer of the year.

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Nancy Butler, Commercial Director Nancy Butler Founder & Commercial Director Nancy Butler, Commercial Dir

Nancy Butler

Founder & Commercial Director

Nancy has over 36 years' experience in business/commercial banking with a strong focus on business development and is well respected by intermediaries. She has vast knowledge of the intermediary market and lead generation and was RBS's top performing regional BDM for 7 consecutive years and best in the UK for 3 years. At A&L and Santander Commercial, she was the top performing Relationship Director in the UK.

Recently, she spent time building a new brand in the marketplace for Atom Bank.

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Richard Baker, Founder and Products Director Richard Baker Founder & Savings Director Richard Baker, Founder and Products Director

Richard Baker

Founder & Savings Director

Richard is a start-up bank specialist with 30 years in technology and operational leadership, including at First Direct and HSBC’s UK Direct Banking division.

He has deep knowledge of the regulatory approval process, was the programme director behind the launch of Metro Bank and has advised several start-up banking businesses. More recently, he was part of the team that built and launched technology-led challenger bank, Atom Bank. He has an MBA, an MSc in AI and an Honours degree in computing.

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Ewan Hutton, CTO Ewan Hutton CTO Ewan Hutton, CTO

Ewan Hutton


Ewan has been at the ‘sharp’ end of retail Financial Services for 3 decades - he coded the solutions that launched First Direct in 1989, then their CRM, digital channels, and product innovation supporting a leading brand and the world’s most recommended bank. Internationally he led the global business design and development at HSBC Group in 7 countries.

In the last 6 years he led the software development for a major SaaS solutions provider and acted as an interim CTO for a number of clients.

Andrea Dalton, Programme Director Andrea Dalton Operations Director Andrea Dalton, Programme Director

Andrea Dalton

Operations Director

Andrea has over 30 years' banking experience, holding senior manager roles within Distribution, Operations and Transformation, across Commercial & Retail Banking, and Wealth Management. Andrea also has an excellent grounding in challenger banks having led the Williams and Glyn Commercial Banking Transformation team through the implementation of their new operating models.

Prior to joining B-North she also worked as a Consultant on the mobilisation of a new SME challenger, CivilisedBank.  

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Goi Ashmore, Treasurer Goi Ashmore CRO Goi Ashmore, Treasurer (2)

Goi Ashmore


Goi is the Chief Risk Officer for B-North, responsible for end-to-end second line of defence across all risk categories.

Previously he has been the Treasurer for B-North, Europe & Middle East Treasurer for Barclays, Financial Risks Director for Barclays UK Retail and Group Risk Management Director for Atradius NV.

Outside work he is Treasurer for Swansea University, on the Board of The Riverside Group and has chaired a number of Board level Risk and Audit Committees. He is a keen rock climber.

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Sue Murdoch Sue Murdoch Chief People officer Sue Murdoch, HR Director

Sue Murdoch

Chief People officer

Sue started her career at Yorkshire Bank and has extensive experience of leading HR teams in Financial Services and Banking as well as Professional Services and Telecommunications. Her most recent position was HR Director at KCOM PLC.

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David Travis David Travis Company Secretary & Legal Counsel David Travis pic2

David Travis

Company Secretary & Legal Counsel

Before joining B-North, David was General Counsel and Company Secretary of tech-advisory and investment firm GP Bullhound. David, who also serves as the Joint Honorary Secretary of Manchester Law Society, has previously worked at leading financial services firms including Interactive Investor, RBS, the Co-operative Bank and Citigroup. David began his career as a solicitor at law firm DLA Piper, holds a degree in Law and French from the University of Sheffield and is an Associate Member of the Chartered Governance Institute.

At B-North, David is a member of the executive team and will ensure strong corporate governance and provide effective management of legal risk as the business continues to grow.

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PaulSleney_1 Paul Sleney Head of Internal Audit PSleney_2

Paul Sleney

Head of Internal Audit

Paul is the Head of Internal Audit for B-North and brings with him over 30 years’ experience from across the Financial Services sector. Paul has held a number of Senior and Head of Internal Audit roles at HSBC, Lloyds Banking Group and at GE Consumer Finance which included a period of time as the regulatory “approved person”.

Amongst other roles, Paul has also worked in a consulting capacity at both Grant Thornton and Arthur Andersen where his duties included delivering Internal Audit co-source and outsource services and advising on technology, operational and conduct risk management, and wider regulatory and compliance matters.  

At B-North, Paul’s aim is to introduce a way of working for Internal Audit where he will be considered an independent and effective partner to the business.

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If you are interested in finding out more about the investment opportunities B-North provides, please contact us.
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Brokers are playing an increasingly important role in helping SMEs access the financial support they need.

We have been working closely with brokers to develop our proposition – our aim is to partner with high quality brokers over the long term and our proposition very much reflects this ambition.

If you would like to hear more, or even have a hand in the creation of a new way of SME lending, please get in touch using the email address below.

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Register your interest

Whether you’re an investor looking for new opportunities, a broker looking to join us on our journey to develop our service or just want to know more about B-North, you can email us at the addresses below:

Investment opportunities in B-North:


Careers at B-North:

We will use the information you provide to respond to your enquiry by telephone and/or email. We will not use your information for any other purposes nor sell or pass it on to anyone else. You can change your contact preferences at any time by getting in touch with us.