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Praetura Commercial Finance

There are two golden threads running throughout our business; our commitment to a relationship-driven approach and our ability to structure and deliver multi-product, multi-asset facilities, combining invoice discounting, stock, plant & machinery, property and cash flow lending. With our people, proposition and process and strong key business introducer relationships, we look forward to building on an established platform, enabling more SMEs to gain the transformational funding they need to fully realise their potential.


You will have a single point of contact and access to our senior team. And since our board makes all credit decisions in-house, you will benefit from a responsive service at all times.


We deliver our promises every step of the way, providing dependable and innovative working capital solutions and debt structures that will enable you to drive your ambitions.


Relationships are at the core of everything we do. We will take the time to listen to your requirements and understand your business before structuring the optimal solution.

Our Numbers

Key client facts

Total SME employees
Total client turnover


Meet our Management Team

Praetura Commercial Finance is a trusted independent finance partner with an entrepreneurial approach. Our senior team has a proven track record with over 80 years combined asset based lending experience. We have real empathy with our clients and know what it takes to start and run a growing company. Importantly, we also understand how to structure and deliver transactions that will maximise the level of funding available to your business. The board of directors and senior management team comprise:

Lisa Wood

20 years plus financial services experience, majority in the asset based lending sector. Wealth of underwriting, client relationship management and operational risk management expertise. Previous roles include Deputy MD, Chief Credit Officer at Shawbrook Business Credit, Chief Credit Officer at Centric Commercial Finance. Head of Underwriting & Audit at GE Commercial Finance. Lisa also held roles at NMB Heller Financial, Bank of Scotland and Lloyds International Factors.

Lisa Wood
Founder & Managing Director

Stuart Bates

20 Years plus financial services experience, majority in asset based lending sector. Recognised deal-maker with a proven track record in deal origination, driving business growth in numerous senior roles. Previous roles include Commercial Director Shawbrook Business Credit, Executive Sales Director Centric Commercial Finance, Regional Director GE Commercial Finance. Stuart also held roles at Davenham, Barclays & Lloyds Banking Group.

Stuart Bates
Founder & Commercial Director

Nicola Woodhams

20 years’ experience in asset based lending sector. Extensive client relationship experience and outstanding customer service skills. Previous roles include Senior Client Manager at Shawbrook Business Credit, Senior Client Manager and Auditor at GE Commercial Finance and Auditor at GMAC Plc.

Nicola Woodhams
Relationship Director & Shareholder

Chris Davison

Over 10 years advisory/finance experience, the majority spent within KPMG's Restructuring practice advising SMEs and lenders. Secondment to Santander's Commercial Restructuring team, managing a portfolio of SME customers across a wide range of industries. Licensed Insolvency Practitioner. ACA qualified.

Chris Davison
Head of Finance

Paul Taylor

Paul Taylor
Client Executive

Gary Davison

Managing partner Tosca Debt Capital LLP, established north-west based debt fund. Ex Partner debt advisory at EY. 20+ years ABL experience including establishing bank of Ireland ABL division

Gary Davison
Chairman & Shareholder

Peadar O’Reilly

Founding Partner Praetura Capital. NED & Co-Founder Praetura Asset Finance, established in 2014 - £80m gross lending to date. Leads Asset Backed investments for Praetura Capital. 20 years financial services including ABN Amro & establishing UK ABL business for Bank of Ireland.

Peadar O’Reilly
Non-Executive Director & Shareholder

Danny Summers

Partner of Praetura Capital, ex-Finance Director and current board member of Praetura Asset Finance since 2014. Focus on Financial Services Investments for Praetura since joining the business in 2014. ACA qualified, ex Grant Thornton.

Danny Summers
Non-Executive Director & Shareholder

Our Solutions

Working capital, acquisition and growth finance to SMEs with £5m + turnover


(Core Facility) Up to 90% advance of eligible debts


80% - 100% of Net Orderly Liquidation Value (NOLV) 90 day realisation


Up to 85% ex situ 120 day valuation 2-5 years amortising


Up to 75% of 180 day valuation 3-10 years amortising


Cash Flow Term Loans (12 to 36 months amortising loan multiples) subject to EBITDA

Case Studies

Some Recent Projects

Praetura Commercial Finance - The Entrepreneurs' choice. Please find below a selection of Case Studies based on Praetura Commercial Finance clients' experiences. Simply click on the deal summaries in each case to read the full story.


“What sets Praetura Commercial Finance apart from the banks is that you never feel that you are just a number. Right from our initial conversation, their team looked to understand our business and build a positive relationship."

Director, Plant Hire business

“Partnering with Praetura Commercial Finance in this transaction has been an absolute breeze. They are highly commercial and most importantly we can always speak to decision-makers directly without any unnecessary layers of bureaucracy.”

Andy Dodd, Partner, PHD Equity Partners

“We had worked with the team at Praetura Commercial Finance a number of years ago therefore they were on our radar when we were looking to change funders. They were very positive throughout the process and we know from previous experience that we can rely on them to think outside the box.”

Julie Parmenter, CEO, Molinare Group

“As business owners themselves, Praetura Commercial Finance were very commercial and made immediate decisions to get the deal over the line within a very tight timeframe. The ABL facility and cash flow loan has given us the extra headroom we needed to get the business off to a flying start.”

Tom Wade, Managing Director of Renthal Limited


Keep In Touch

Tel: 0161 302 6310


Ground Floor, Giant's Basin
Potato Wharf
Manchester M3 4NB

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