Guy Prince

About Guy

Guy has over 30 years of experience arranging commercial finance for UK businesses, with a particular focus on invoice finance for SMEs. As a Director at First Oak Capital Limited, he leads the team at Invoice Finance Experts, ensuring that every business receives independent, whole-of-market comparison and genuine specialist advice.

Guy's career spans three decades of commercial finance, during which he has arranged funding for businesses across virtually every sector, from recruitment agencies and manufacturers to construction subcontractors and transport operators. His particular specialism is funding for new starts and businesses with imperfect credit histories, the profiles the mainstream turns away, and he has built relationships with the specialist providers who genuinely welcome them.

Over his career, Guy has arranged facilities ranging from £25,000 starter factoring lines for first-year businesses to £5 million+ whole-ledger discounting facilities for established manufacturers and wholesalers. He has worked with more than 30 invoice finance providers on the panel, from high street banks to specialist independents, and knows each lender's appetite, pricing model and contract quirks in detail. He is a member of the National Association of Commercial Finance Brokers (NACFB) and First Oak Capital Limited is authorised and regulated by the Financial Conduct Authority (FRN 984955).

Areas of expertise

• • Invoice factoring and discounting for SMEs
• • Funding for startups and new limited companies
• • Recruitment and staffing sector finance with back office
• • Construction and contractual debt funding
• • Bad credit and adverse history cases
• • Selective and spot invoice finance for occasional funding needs
• • Confidential facilities where customer disclosure is a concern

Qualifications & memberships

• • Director, First Oak Capital Limited (FCA FRN 984955)
• • Member, National Association of Commercial Finance Brokers (NACFB)
• • 30+ years arranging commercial finance for UK SMEs

Approach

Guy believes the value of a broker is not in access to lenders, which most businesses can find themselves, but in knowing which lender fits which business before a single application is made. His approach is to understand the business first, compare the panel honestly, and give straight advice, including when the answer is "not yet". That philosophy shapes everything Invoice Finance Experts does.