About Rural and Business Specialists

0800 781 1822 · North0800 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

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 Rural and Business Specialists (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.

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 R&BS with Jim.

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!

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.

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.

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 R&BS, please get in touch.

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

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