Andy Francis

Expert Knowledge

  • Commercial Finance
  • Asset Finance
  • Development Finance and Bridging Finance


  • CeMAP (The Certificate in Mortgage Advice and Practice)
  • Diploma in Commercial Lending (Royal Bank of Scotland internal accreditation)


Andy has 37 years of banking experience with NatWest and latterly RBS, predominantly within the business and commercial world. He has over 12 years’ experience as a credit underwriter and a similar number as a Business Development Manager and Senior Commercial Relationship Manager. This involved managing a wide spectrum of businesses across a number of specialist sectors, including construction/development, leisure and trading sectors, with annual turnover up to £10m. Andy is currently focused on the commercial side of AdviserFinance, ensuring our clients receive a first-class service and matching customer needs with appropriate lenders cross the market.