Our Team

Our Team

The Huddle Capital management team have over 100 years of combined lending experience. We  source and structure secured lending opportunities that we fund with our own capital, giving our investors the confidence that we truly do put our money where our mouth is

Emily Rackham

Credit Director

Emily joined the Group as a Senior Credit Underwriter four years ago, and was appointed the Credit Director in July 2018. Emily came from Clydesdale and Yorkshire Bank, where she was a Small Business Risk Specialist, having previously worked within their Business Lending Unit.

Chris Conroy

Senior Credit Underwriter

Chris joined the Group as a Senior Credit Underwriter four years ago. Chris came from Clydesdale and Yorkshire Bank having spent 7 years there, where he was a Business Risk Specialist responsible for sanctioning and processing credit applications for Retail SME businesses.

Tony Pickthall

Finance Director

Tony has a background in practice accountancy and worked in a PE backed business rescue and turnaround boutique for 6 years where he joined as a national accounts manager and worked his way up to become their Finance Director. Tony then went on to work for a construction company based in the City of London. Two years after, Tony was headhunted to join the Huddle as a Group FD overseeing all aspects of finance across the Huddle Capital Group and its various other interests.

Norman Kenvyn

Non-Executive Director

Norman spent the earlier part of his career at Nat West Bank and Lombard North Central. He was then approached by GE Capitaland successfully created one of their top manufacturer vendor programmes with established relationships across Europe. Norman went on to then form an SME asset finance company, St Helen’s Finance, and successfully floated the company on the PLUS exchange raising both equity and debt to build the portfolio to a profitable and cash flow positive level. In 2011, Norman formed VFS Legal Ltd.

How We Work

We only want to offer our investors highly curated lending opportunities, with this in mind we have a stringent assessment process in place for our loans. Some of the core features we look at when accessing and approving a loan, are the following:

Security & Collateral

The quality of the underlying loans we make are enhanced by using tangible assets (usually property) as security. We work within strict parameters and a maximum LTV of 75%, with the majority of loans falling beneath that threshold.

Short - Medium Term Maturity

The loans we make typically range from 6 to 24 months. Short-medium term financing is naturally self-liquidating, as there are multiple take-outs due to the variation of underlying loan terms. This ensures loan capital is regularly returned to investors.


We prefer to lend to borrowers that have a clearly defined exit strategy. This allows us to control cashflow and manage repayment expectations as well as assess the credit risk of each borrower.

Find Your Next Investment Opportunity

Speak to a member of the Huddle Team today