Andrew brings 25 years of experience across banking and specialist real estate finance. He began his career at NatWest/RBS, where he spent 16 years in a range of senior roles, including real estate finance, before transitioning into the specialist lending market.
Andrew has since held senior business development and leadership positions at Mint Bridging, Vitvo, and Acre Lane Capital, where he spent eight years as Sales Director, delivering bridging, development, and ground-up funding solutions.
Now Sales Director for Real Estate at Momenta Finance, Andrew will work closely with brokers and borrowers to structure pragmatic, execution-focused funding across bridging, development, ground-up schemes, and real estate throughout England, Wales, Scotland, and Northern Ireland.
“Andrew’s extensive background and proven leadership in property finance make him a perfect fit for Momenta Finance. We’re confident that his expertise will help us deliver even more tailored solutions to our clients and drive our business forward,” said Chris Forrest, CCO of Momenta Finance.
For introducers looking to connect with a seasoned professional who understands the nuances of the property industry, Andrew is the go-to person. Connect with him now here: andrew.gagan@momentafinance.co.uk.
About Momenta Finance
Momenta Finance is a leading provider of alternative finance solutions headquartered in London, United Kingdom. Established in 2013, Momenta offers a range of lending options, including unsecured and secured business finance, as well as bridging. The company’s commitment to transparency, tailored and credible funding has made it a trusted partner for businesses seeking financial support. Momenta Finance is accredited by the British Business Bank and upholds the highest industry standards.
Business Highlights and Awards
Over the past 12 months, Momenta Finance has reached several pivotal milestones, with 2025 marking a record year for lending as we supported more clients than at any other point in our history. We also secured an enhanced funding facility with Shawbrook Bank. This upsized £50 million line, coupled with a three-year extension, has significantly bolstered our capacity to support UK property lending and underscores the confidence our funding partners have in our robust business model.
Our commitment to excellence was also recognised by the industry. We were proud to be ‘Commended’ in both the Best Business Loan Provider and Best Alternative Business Funding Provider categories at the Business Moneyfacts Awards 2025. Furthermore, ending the year on a high note, we were shortlisted for ‘Unsecured Lender of the Year’ at the NACFB Commercial Lender awards in November.
Success Stories
Our core mission remains supporting UK SMEs with tailored financial solutions. throughout 2025, we have worked closely with our network of introducers to deliver funding across a diverse range of sectors.
The speed and flexibility of our team remain our greatest assets. Reflecting on a complex development refinance, Jenna O’Sullivan of Henray Capital noted, “Momenta Finance impressed us with how rapidly they structured a comprehensive solution, enabling seamless refinancing.” This ability to move at pace was echoed by Myles Smyth at TSF Finance, who described our competitive offering for a North East fire protection firm as “second to none” in the market.
Whether it was funding yard refurbishment for landscape contractors or growth capital for London-based consultancies, our focus has been on balancing “flexibility with affordability.” As Sean Thorogood of British Business Funding observed, our collaborative approach ensures that clients secure terms that “fully support their ambitions” without the constraints of traditional lending.
Team Growth and Community Engagement
2025 was a year of significant leadership appointments. In September, we welcomed Tim Boag as our new Chief Executive Officer to drive our ambitious growth trajectory. This was followed by the appointment of Chris Forrest as Chief Commercial Officer, further strengthening our commercial strategy.
We also continued our active engagement with the broker community, with our stand at the NACFB Commercial Finance Expo in June serving as a vibrant hub for connecting with partners and discussing the future of commercial finance. Our Business Development Managers continued to perform strongly within the broker community, engaging them at multiple events. These touchpoints have deepened relationships with partners and introducers and ensured we remain closely aligned with current industry trends.
Looking Forward
The successes of 2025 have set a strong platform for the future. With a strengthened leadership team, increased funding capacity, and a proven track record of delivery, we are excited about the opportunities 2026 will bring. We remain committed to maintaining the high standards of transparency and tailored funding that have made us a trusted partner for businesses across the UK.
”Our people-centric approach enables us to support brokers, and ultimately businesses, who require flexibility and speed from their lenders. We have made significant progress in 2025, and I am looking forward to 2026, which will be a transformational year for Momenta.“
– Tim Boag, CEO
To our introducers, partners, and clients, thank you for your continued trust and collaboration.
A well-known landscape maintenance contractor in the agriculture sector required a flexible funding solution. This was to undertake a major upgrade to their external yard facilities. Operating within a highly competitive market, the business identified an urgent need to refurbish approximately one acre of external space. This was to enhance both operational efficiency and site security.
The Opportunity
The client sought to invest in a comprehensive refurbishment of their existing yard. This included new fencing, gates with automation, improved drainage, upgraded lighting, enhanced security features, and renewed surfacing. These upgrades were needed to support ongoing operations, maximise asset protection, and improve site logistics. All were essential to deliver reliable service for their client base.
Momenta Finance’s Solution
Introducer Steve Gomes of AFS member Amiga Finance worked in partnership with Business Development Manager Ronan Carter at Momenta Finance. They assessed the contractor’s requirements and structured a tailored unsecured business loan.
- Loan amount: £300,000
- Loan term: 72 months
- Special feature: No early or exit repayment fees, offering total flexibility for future settlement
The solution allows the business to proceed with the yard upgrade without diverting capital from its core operations.
The Outcome
With funding in place, the contractor is now refurbishing the external yard to a modern standard. This strengthens site management and security. The flexible facility addresses all aspects of the project, providing the financial certainty required to deliver improvements smoothly and efficiently.
The Introducer’s Perspective
“It was a smooth and straightforward experience working with Momenta Finance and Ronan Carter throughout the process. Their collaborative approach and flexible funding package, including no early repayment fees, gave our client confidence to invest in their infrastructure and drive the project forward without constraint.”
– Steve Gomes, AFS member Amiga Finance.
Conclusion
This case demonstrates how Momenta Finance supports UK agriculture and landscape contractors with bespoke unsecured loan solutions. Our flexible approach, combined with dedicated business development support from experts like Ronan Carter, helps facilitate essential upgrades. It also ensures companies can grow and adapt to evolving business needs.
Established in 2017, Amiga Finance proudly supports UK businesses. We are dedicated to providing you with the financial support your business needs to grow. Over the years we have built a trusted reputation with our clients, our funders, and our strategic partners.
With over 50 years of industry experience, we help businesses navigate the complexities of financial products. Our expertise ensures you fully understand the pros and cons of each option, enabling you to make informed decisions. Through tailored funding solutions such as seasonal payments or lower upfront deposits, we prioritise cash flow making finance more manageable.
By understanding your ambitions and goals, we foster long-term relationships that support your business at every stage.
At Amiga Finance, we go beyond transactions, we build partnerships.
Amiga Finance Limited is an independent asset finance brokerage not a lender, as such we can introduce you to a wide range of finance providers depending on your requirements and circumstances. We are not independent financial advisors and so are unable to provide you with independent financial advice. Amiga Finance Limited will receive payment(s) in the form of commission from the finance provider if you decide to enter into an agreement with them. We work with both discretionary and non-discretionary commission models. Commission payments are factored into the interest rate you pay.
Amiga Finance Limited is an Appointed Representative of AFS Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority FRN: 625035
Late July saw one of our trusted introducers approach Momenta Finance. They needed to provide a fast and effective finance solution for their client. The client faced an approaching redemption date on an existing loan with another lender. Moreover, they required additional funds to complete their ongoing development project. An existing mezzanine loan was also in place.
The Opportunity
The client needed to refinance an existing loan and secure additional capital for the remaining works. The challenge was to structure a solution swiftly without disrupting the existing mezzanine finance, while satisfying the previous lender’s timeline.
Momenta Finance’s Solution
Momenta Finance worked closely with the introducer and client. They structured a development bridging facility that addressed both the immediate redemption requirement and the ongoing funding needs for the project’s completion. A bespoke finance solution was structured to repay the existing lender in full. Additionally, it provided the necessary capital to complete the remaining development works. The loan included provisions to retain the client’s existing mezzanine facility. This was successfully subordinated as a second charge behind Momenta Finance’s new first charge. Legal and due diligence processes were completed within just four weeks. This allowed the transaction to complete in time to satisfy the outgoing lender’s deadline. Consequently, the client could proceed uninterrupted with the next phase of development.
Loan Type: Development Bridging
Loan Amount: £2,600,000
Loan Term: 12 months
The Outcome
The refinancing allowed the client to meet obligations to their existing lender on time. Also, it enabled them to continue progressing their development project without interruption. Maintaining the mezzanine loan alongside the new facility ensured financial continuity and flexibility. This deal highlights Momenta Finance’s expertise in structuring complex property development finance. It is delivered with speed and precision.
The Introducer’s Perspective
“Our client was under pressure to refinance quickly but maintain their mezzanine structure. Momenta Finance impressed us with how rapidly they structured a comprehensive solution, enabling seamless refinancing and funding for works continuation.”
– Jenna O’Sullivan of Henray Capital.
Simon Michael, Senior Property BDM, Momenta Finance, concluded:
“This development refinance project exemplifies our commitment. We provide tailored financing solutions that meet urgent client needs amid complex capital arrangements. We work closely with brokers and clients to deliver swift, strategic funding. This keeps projects on track and unlocks growth.”
The enhanced partnership will drive further origination across a comprehensive suite of property-backed finance solutions. Loans funded by the Shawbrook facility can address property purchase, refurbishment, construction, and bridging requirements for both commercial and residential assets.
This expansion follows a year of strong growth, reinforcing Momenta Finance’s commitment to serving property developers, investors, and business owners nationwide with transparent, tailored, and competitive lending solutions. With the facility now running through 2028, Shawbrook’s continued support underscores its confidence in Momenta Finance’s specialist team and robust risk management.
Commenting on the extension, Liam McGall and Warren Mutch from Shawbrook said: “We are pleased to extend our funding line for Momenta Finance by a further three years and increase its capacity to £50 million. This transaction reflects our confidence in Momenta Finance’s track record, management team and their presence in the market. The enhanced facility supports continued growth plans and expands upon our successful partnership to date”
“We are delighted to have extended and upsized our facility with Shawbrook, one of our long-standing funding partners. This facility enables us to pursue our growth ambitions with confidence and certainty, in the knowledge that we will continue to deliver for our intermediaries and customers alike.”
– Tim Boag, CEO of Momenta Finance
About Momenta Finance
Headquartered in London, Momenta Finance is a leading provider of alternative business and property finance, offering borrowers and brokers fast access to tailored solutions across the UK. With funding lines from respected banking partners and a proven track record since 2013, Momenta Finance is committed to transparency, agility, and client-focused service.
A thriving education and training consultancy based in London specialises in agile training and consultancy around Microsoft services. It has taken a decisive step towards expansion. The company offers expert guidance to help clients sell, achieve certification, and adopt Microsoft technologies. They deliver dynamic solutions at the intersection of learning and IT.
The Opportunity
With new ideas and strategic projects on the horizon, this business sought an injection of capital to fuel ambitious growth plans. A loan requirement of between £50,000 and £75,000 was identified. This was earmarked to support business expansion and innovation.
Momenta Finance’s Solution
With the support of introducer Sean Thorogood from British Business Funding, and expert guidance from Business Development Manager Ronan Carter at Momenta Finance, the consultancy secured an unsecured business loan:
Loan Amount: £75,000
Loan Term: 36 months
Special feature: No over or early repayment fees
The flexible funding structure empowers the business to pursue new initiatives, boost market presence, and innovate across its core agile training and consultancy services.
The Outcome
Access to this funding has enabled the business to launch new training programmes and consultancy services. As a result, they have solidified their reputation for delivering high-value agile and Microsoft solutions in the education and technology markets. The company is now well-positioned to scale operations and embark on its next phase of growth with confidence.
The Introducer’s Perspective
“From the outset, it was clear the client required a lender that understood the nuances of their sector and could move quickly. Ronan from Momenta Finance worked seamlessly with us to structure a facility that balanced flexibility with affordability. The collaborative approach ensured the client secured funding without delay and with terms that fully supported their ambitions.”
– Sean Thorogood, British Business Funding
Conclusion
This case demonstrates how Momenta Finance supports London’s specialist education and training businesses. They provide flexible funding that translates big ideas and new projects into real results. By working closely with brokers and dedicated business development managers, Momenta delivers timely and effective growth finance for ambitious clients.
About British Business Funding
At britishbusinessfunding.co.uk, our aim is to support UK businesses in finding the most suitable and cost-effective finance facilities tailored to their needs. With a focus on debt funding, we work with an extensive panel of lenders and products. This helps deliver transparent and reliable solutions that help businesses manage cash flow, invest in growth, and achieve their goals.
Options include secured and unsecured term loans, asset finance, invoice finance, and purchase order finance. By simplifying the process and connecting businesses with appropriate lenders and facilities, British Business Funding ensures clients can access the right capital with confidence.
A fire safety and fire surveying business based in Tyne and Wear, established in 2016 by an industry expert with extensive experience in fire protection, has built a strong reputation for delivering passive fire protection services. The company offers a comprehensive range of services including consultancy, compliance inspections, risk assessments, 3D building scans, and installation of fire prevention systems such as fire extinguishers and fire doors. Serving diverse sectors like residential care, hotels, student accommodation, schools, and petrochemicals, the business ensures safety and compliance across commercial buildings nationwide.
The Opportunity
In recent years, the business has experienced significant growth, particularly after hiring two permanent staff members between year-end 2023 and 2024. This strategic expansion of the team increased operational capacity, enabling the company to service more clients while keeping costs relatively low. Building on this success, the business sought additional funding to further invest in its workforce and enhance its market-leading services-especially its innovative 3D scanning and modelling offering, which has seen strong demand.
Momenta Finance’s Solution
To support this next phase of growth, the business approached Momenta Finance through an introducer from tsffinance.co.uk. After a thorough assessment of the company’s financials and growth plans, Momenta Finance approved a £200,000 unsecured loan under the Growth Guarantee Scheme (GGS), structured over a 60-month term. This facility provided the flexibility to invest in new staff and technology without requiring asset security, allowing the business to respond quickly to emerging opportunities in the fire protection market.
The Introducer’s Perspective
“Momenta Finance’s fast and competitive offering was second to none for my client in the north east. It’s because of companies like Momenta and Jeremy Crinall that we are able to offer great solutions to our clients and help fuel their business goals and objectives.”
– Myles Smyth from TSF Finance
Conclusion
This case study highlights how Momenta Finance, in partnership with introducers like TSF Finance, supports ambitious businesses in specialist sectors. By providing flexible, unsecured growth funding, Momenta enables companies to invest in their future, expand their capabilities, and deliver even greater value to clients across the UK.
About TSF Finance
TSF Finance Ltd are a fully independent commercial finance brokerage focused on providing funding solutions to the SME market.
With over 25 years experience we pride ourselves on helping businesses to structure, understand and identify the best solutions for them, not only in the present but for the future.
“We see ourselves as part of our client’s business, bringing with us the expertise and experience to help them achieve their goals.”
We work with businesses of all sizes from early start ups to high growth and turnaround. Our service is at no cost to our clients, instead our lenders choose to pay us on successful funding applications.
Chris Forrest joins with deep experience in corporate and commercial banking. Most recently, Chris served as Head of SME at Barclays UK, where he led the national relationship and business development teams, supporting SMEs across a range of sectors. Chris has been central to developing distribution networks and championing customer-focused innovation.
In his role as Chief Commercial Officer, Chris will be responsible for leading Momenta Finance’s commercial strategy across both SME and property. He will focus on expanding distribution, strengthening intermediary and broker relationships and leveraging technology to enhance customer experience.
“I am pleased to welcome Chris to Momenta at this exciting time,” said Tim Boag, CEO of Momenta Finance. “His commercial expertise, strong business development network, and passion for customer outcomes will be instrumental as we continue to innovate and grow to serve many more SMEs.”
Chris Forrest commented: “I’m delighted to join Momenta Finance at such a dynamic and ambitious stage. The chance to shape the commercial direction of a fast-growing, progressive business with a focus on empowering SMEs and property clients is a tremendous opportunity. I look forward to working with the wider team to drive the next phase of growth.”
About Momenta Finance
Momenta Finance is a leading provider of alternative finance solutions headquartered in London, United Kingdom. Established in 2013, Momenta offers a panorama of lending options, including unsecured and secured business finance, bridging and cash advances. The company’s commitment to transparency, tailored and credible funding has made it a trusted partner for businesses seeking financial support. Momenta Finance is accredited by the British Business Bank and upholds the highest industry standards.
Tim Boag brings with him more than 35 years of experience in financial services. His career spans major UK banking institutions and specialist lenders, equipping him with a unique perspective to lead Momenta Finance into its next phase.
Most recently, Tim served as Group Managing Director of Business Finance at Aldermore Bank, where he led the commercial lending portfolio, driving strategic initiatives, delivering growth and strengthening credit performance.
His prior leadership roles include senior positions at Royal Bank of Scotland and NatWest, including Managing Director, Corporate & Commercial Coverage for London & South East, and Managing Director, Structured Finance, UK.
As Momenta Finance looks ahead, the group remains firmly committed to empowering SMEs with fast, flexible, and transparent financing solutions. Under Tim’s leadership, the company plans to expand its product offering, deepen its use of technology and data-driven decision-making, and extend its reach to support more businesses across a broad range of sectors.
“We are delighted to welcome Tim as CEO at this pivotal moment in our growth journey,” said Jonathan Stern, CFO of Momenta Finance. “Tim’s appointment reflects our commitment to ambitious expansion, continuous innovation, and our mission to empower UK SMEs with the capital they need to thrive.”
Tim Boag commented: “I am excited to join Momenta Finance at this key point in its evolution. I look forward to contributing to its ambition to become the UK’s leading non-bank SME specialist lending platform.”
About Momenta Finance
Momenta Finance is a leading provider of alternative finance solutions headquartered in London, United Kingdom. Established in 2013, Momenta offers a panorama of lending options, including unsecured and secured business finance, bridging and cash advances. The company’s commitment to transparency, tailored and credible funding has made it a trusted partner for businesses seeking financial support. Momenta Finance is accredited by the British Business Bank and upholds the highest industry standards.
A highly rated plumbing and heating business is based in Surrey. It is known for its commitment to reliability, quality workmanship, and customer service. The business recently sought a funding solution to optimise its day-to-day operations. The company has a reputation for delivering friendly, knowledgeable, and efficient service across a wide range of plumbing and heating needs. As a result, it has become a trusted name for both domestic and commercial clients in the region.
The Opportunity
As the business continued to grow, it faced the challenge of managing outstanding obligations. Meanwhile, it had to maintain the high standards its customers expect. Freeing up working capital became essential to ensure smooth daily operations. This allowed the company to remain agile in a competitive market. The management team recognised that addressing these obligations would enable the business to focus on delivering exceptional service. Additionally, investing in quality materials and supporting its skilled workforce would be possible.
Momenta Finance’s Solution
With the support of Padraig Connellan, an AFS member Commercial Finance Options Ltd, the business was referred to Momenta Finance. Our Sales Director Jeremy Crinall worked closely with Padraig and the client. Together, they structured a tailored unsecured business loan of £100,000 over a 60-month term. This facility provided the flexibility and breathing room needed. It benefited from no exit or early repayment fees. Importantly, it did not require asset security.
The Introducer’s Perspective
“Working with Momenta Finance and Jeremy Crinall was a seamless process. Their understanding of the client’s needs and flexible approach made all the difference, enabling the client to secure the funding required to keep their operations running smoothly and efficiently.”
– Padraig Connellan, AFS member Commercial Finance Options Ltd
Conclusion
This case illustrates how Momenta Finance, in collaboration with experienced brokers, can provide rapid, adaptable funding solutions. These are tailored to the unique needs of local businesses. By unlocking working capital, Surrey’s plumbing and heating specialists are well-equipped. They can continue their tradition of quality, reliability, and outstanding customer service.
About AFS
Asset Finance Solutions, part of the AFS Group, is a multi-award-winning broker network. It is one of the largest in the UK. AFS supports over 140 independent brokerages and places more than £1 billion in business lending every year. Founded in 2005 and headquartered in Blackburn, AFS provides commercial and asset finance expertise. AFS also offers compliance support and access to an extensive panel of more than 90 funders. This enables UK SMEs and finance professionals to secure tailored funding solutions.
Commercial Finance Options Ltd is an independent Asset finance broker not a lender. We can introduce you to a wide range of finance providers depending on your requirements and circumstances. However, we are not independent financial advisors, and so are unable to provide you with independent financial advice.
Commercial Finance Options Ltd will receive payment(s) or other benefit from the finance provider if you decide to enter into an agreement with them. Commercial Finance Options Ltd is an appointed representative of AFS Compliance Ltd which is authorised and regulated by the Financial Conduct Authority under number 625035.
