About R&BS

0800 781 1822 · North 0800 781 0639 · South

About

R&BS was established in 2004 with one aim - to help farm, rural and equestrian businesses find mortgage funding that is the best for them. That was something our Directors found difficult to deliver when they were employed by agricultural teams in banks and restrained by criteria and targets.

We understand farm and rural businesses – indeed, we only work with them.  Our team are all from farming, rural business and finance backgrounds. So, whether you have a strong, established farm or rural business or your business is falling outside lenders’ criteria, we know how to prepare your lending application so it’s exactly what the lenders want to see. And you’ll get the best results.

Our Team

Rob Lister

Director

From a farming family in Kent, Rob graduated in Rural Estate Management and qualified as a Rural Practice Chartered Surveyor.

He has a breadth of knowledge developed in a career spanning land agency and farm consultancy, as well as agricultural and rural finance. Rob spent three years in the NatWest Agriculture head office and four years as Regional Manager with Farming and Agricultural Finance (FAF) before launching Rural & Business Specialists (R&BS) with Jim in 2004.

Being of farming stock with hands-on business management experience, Rob can approach each situation with empathy and vision. His clients' needs are at the heart of every proposition.

Get in Touch

Telephone 01474 816500

Mobile 07736 858750

Email rob@randbs.co.uk

LinkedIn

Rob Lister

Understanding clients is essential - when you understand exactly what people are trying to achieve, and then deliver that – it’s exciting!

Jim Richards

Director

Jim is an agriculture graduate and has an extensive rural education.

Early in his career he specialised in agricultural and rural finance working for some of the leading lenders including The Agricultural Mortgage Corporation (AMC), ING (the Dutch banking group) and the Royal Bank of Scotland Group before joining forces with Rob in 2004 to form R&BS.

He’s a successful consultant with specialist rural and banking knowledge, tenacity and a determination to succeed on behalf of clients.

Get in Touch

Telephone 01904 607755

Mobile 07830 350094

Email jim@randbs.co.uk

LinkedIn

Jim Richards

For me, the real thrill is providing my clients with the freedom to fulfil their potential and realise their dreams and ambitions.

Seamus O'Neill

Consultant - North, Specialist in Equestrian and Leisure Funding

Seamus joined R&BS in 2007 and is our longest serving consultant. Over this time, he has seen every possible customer circumstance or borrowing scenario and always goes that extra mile to deliver appropriate funding solutions. He has developed a specialism in equestrian and leisure businesses and is the go-to consultant in the North for kennels and catteries. 

Seamus guides and assists our clients with his gentle and efficient approach.  His depth of knowledge of the market and our lending partners ensures that our clients get the very best support from beginning to end. 

Get in Touch

Telephone 01904 607755

Email seamus@randbs.co.uk

Seamus O'Neill

I get such great enjoyment from hearing how the right finance has transformed the lives of our clients and their families. That’s what makes my job so satisfying.

David Pilling

Consultant for Berkshire, Buckinghamshire, Bedfordshire, Oxfordshire and Northants

Joining us in 2019, David brings agricultural banking relationship management, credit appraisal and business development expertise to the team.

David’s banking career includes nine years as an Agricultural Relationship Manager with Barclays in the South East, where he supported over 200 farming and rural clients with finance for growth and diversification. During this time, he was one of the very few managers to receive 100% client satisfaction feedback in Barclays client surveys.  

David then spent three years with the RBS group, where he was first responsible for Business Development in NatWest’s business and commercial division. More recently, he was an Associate Director for Credit Delivery, which involved structuring deals and being the second line of credit approving the deals for the bank. This gave him a real insight into how a bank underwriter thinks and what specifics they are looking for. He was also responsible for liaising with valuers and solicitors post-sanction and ensuring a timely delivery of money to the client. 

Get in Touch

Mobile 07476 279382

Email davidp@randbs.co.uk

LinkedIn

David Pilling

I strongly believe that a high level of personal service is missing in much of today’s banking industry. With R&BS I can address that and provide clients with bespoke finance packages tailored to their unique needs.

Peter Reynolds

Consultant for Devon, Cornwall and parts of Dorset and Somerset

Peter’s banking career amounts to nearly 34 years. During this time, he gained a broad range of banking knowledge in particular, personal & business finance alongside branch management, credit analysis and audit work.

But it was during his 16 years of working in the South West agricultural community as a dedicated NatWest relationship manager for agriculture and rural business, that gave him the greatest enjoyment and interest. He also managed renewable energies.

Peter’s agricultural banking knowledge and experience helps him guide our clients through the minefield of mortgages and gets them the best rates and terms to help their businesses grow and achieve their ambitions.

Get in Touch

Telephone 01626 832336

Mobile 07542 036554

Email peter@randbs.co.uk

LinkedIn

Peter Reynolds

I derive real pleasure in helping others achieve their goals and succeed in business; and with finance a cornerstone of any venture, this is where I can add real value.

Graham Sanders

Consultant for Kent, Sussex and Surrey

Graham has a total of 43 years of experience in banking. Working his way up through various commercial banking roles in Lloyds Bank, he spent 16 years as a Regional Agricultural Manager for agricultural and rural businesses in Sussex and Surrey before joining R&BS in 2014.

His huge amount of business and agricultural banking knowledge and experience helps Graham ensure his clients are structuring their business plans and lending applications in exactly the right way for the right lenders to get positive lending responses.

Graham epitomises the R&BS ethos of putting clients first. He knows when and where there is room to negotiate with lenders and finds his clients the best and most suitable lending rates and terms to enable them to take their businesses forwards.

Get in Touch

Telephone 01474 816500

Mobile 07967 302796

Email graham@randbs.co.uk

LinkedIn

Graham Sanders

The satisfaction and thrill that you get when you’ve worked with dedicated and hardworking clients to help deliver their dreams is what I love about my role.

Patrick Sequeira

Trainee Consultant, North

Having spent the last 23 years of his life in Qatar in the highly competitive travel industry providing a bespoke service to the social elite, Patrick knows a thing or two about customer service, understanding clients needs and delivering a speedy and efficient solution.

Joining us in 2018, Patrick is a valuable addition to the R&BS team and will help us to continue to deliver the best possible customer service to each and every one of our clients.

Get in Touch

Telephone 01904 607755

Email patrick@randbs.co.uk

Patrick Sequeira

R&BS genuinely puts its clients first and will always go the extra mile. Coming from a background where customer service is paramount, that's an ethos I wholly identify with.

David West

Consultant for East Anglia

David has over 40 years’ experience with Lloyds Bank in a variety of roles. He spent 15 years as Regional Agricultural Director in East Anglia looking after a diverse range of agricultural and rural businesses.

David joined R&BS in 2016, after he had spent some time with Robinson and Hall Land and Property Professionals, where he was a consultant looking after their Agricultural Mortgage Corporation (AMC) clients.

He has a huge amount of experience from the agricultural banking industry and provides our clients in East Anglia with a high level of personal and local customer service giving them independent access to the most suitable lending products, rates and terms.

Get in Touch

Telephone 01474 816500

Mobile 07796 801784

Email david@randbs.co.uk

LinkedIn

David West

The real pleasure I get from my role is working closely on a personal level with clients, understanding exactly what they are trying to achieve and helping them get there.

Polly Stevenson

Marketing Co-Ordinator

Farmers’ daughter and now a partner in her family farm, Polly not only understands our audience, she is our audience. A graduate of Seale-Hayne, she’s been fully immersed in farming all her life, and in marketing and communications to farmers for over 20 years.

Crucially for R&BS, 15 of those years were in the marketing team of The Agricultural Mortgage Corporation (AMC) and Lloyds Bank Agriculture. She holds a Chartered Institute of Marketing (CIM) Post-Graduate Diploma in Marketing and is a member of the Guild of Agricultural Journalists. 

Polly brings tremendous experience of communicating financial services to our farming and rural professional audience, and applies that through our website, social media, newsletters, events and local marketing support. 

Get in Touch

Mobile 07789 188062

Email polly@randbs.co.uk

LinkedIn

Polly Stevenson

The strength of R&BS is in its independence, team expertise and their absolute commitment to delivering choice and first-class, personal service. It's a fantastic message to help deliver.

Job opportunities

R&BS are looking to recruit people with banking or finance experience and a strong understanding of agricultural and rural issues.

If you have a great customer service ethic and want to discuss opportunities with us, please get in touch.

North – Jim Richards
Phone: 01904 607755
Email: jim@randbs.co.uk

South – Rob Lister
Phone: 01474 816500
Email: rob@randbs.co.uk