Why we do it...

Our Mission


Is to have raised £25 million for the Merseyside business community by 2022, whilst supporting at least 30 businesses into long term sustainability and prosperity we will evidence this through helping them; achieve their goals, develop their skills and meet the aspirational targets they have set for themselves.



Our Vision


That F & M will be known as the go to organisation for quality, transparency, treating customers fairly and setting high standards of delivery. We want to be working with clients who are actively committed to sustainable growth within the business, looking for new opportunities and who are willing and able to make those ambitions a reality. We want a high success rate for raising money for clients and those funds will be utilized to create flourishing businesses that meet the aims and objectives of the owners and managers who have created them.




Everyone has potential and when the opportunity to realise that potential comes along most people don't have the contacts they need to make that dream a reality. Through getting to know our clients, working with them to visualise and articulate the goals they have we help them by providing the knowledge and resources they need to practically take steps to achieve those targets. Our client’s success is our success and we strongly believe that you shouldn't be denied the chance to reach your full potential by not having access to the right resources at the right time.




Mark Rea

I am an experienced director and business builder; from my early days founding and running a small IT reseller to be a director of a National Financial Intermediation Services provider I have always been ideas and innovation led.

My reseller company was an early vendor of cloud computing solutions to accountants and solicitors, now Open Payment Solutions provide new and innovative payment systems that get merchants and customers the quickest turnarounds possible.

All my businesses. be they IT, Property, Investment/Finance or Service based, have had one thing at the very centre and that’s exceptional transparent service. From the smallest to the largest, every company needs clients/customers who want to engage with them and buy from them again, helping them to be identified as a sector leader and ultimately establishing a trusted brand - this has always been achieved with processes, systems and people capable of delivering a first-class honest service and product every time.

I like to work with motivated people who are looking for ways to make a business stronger. Some businesses need to strip back to basics to see what they are good at and how they can energise core success, others are ready to take those next big steps to either regional, national or international presence through natural growth and expansion or by acquisition.

As a strong believer in relationships, I always look to establish sustainable partnerships with both internal and external stakeholders because people are always the key to long term success, they will help you, challenge you and importantly develop you - I know what the power of relationships can do and have seen first-hand how positive relationships can transform the way you do business. My aim is to be a trusted critical friend to business owners who can feel comfortable bouncing ideas off me or simply being a sounding board.


Francesca Rea

I am a customer focused people manager with 15 years' experience working with both Corporates and small start-up businesses, managing up to 60 people across multiple sites.

In my career I have successfully built and maintained relationships with Key Stakeholders including senior management and departments within the same business as well as businesses and suppliers who I have worked alongside. This ensures that processes and procedures are in place for best service delivery to be provided to all customers be they internal or external. Our Vision and Mission at F&M is to create a client focused process, designed to work around the needs they have and the ways we can meet them - the right person for the right job bringing the right solution.

I wanted to work with SME's to bring my Corporate experience and help them create fantastic, sustainable businesses. I completed the CeMAP qualification to enable me to help them with Commercial Mortgages which I know will underpin business growth and investment.

I like to work with teams to ensure motivational techniques are designed to work for them and they are fully aware of the influence on the customers they have, which allows them to achieve their career goals and the goals of the business.


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F&M Finance is a trading name of F&M Consulting Services Ltd which is authorised and regulated by the Financial Conduct Authority and a proud member of the NACFB