North ·  0800 781 1822 South ·  0800 781 0639

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.

Contact

Phone 01474 816500

Mobile 07736 858750

Email rob@randbs.co.uk

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.

Contact

Phone 01904 607755

Mobile 07830 350094

Email jim@randbs.co.uk

Jim Richards

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

Charlotte Douglas

Trainee Equine Consultant

Charlie is from an equestrian background and and has recently graduated with a First Class BSc (Hons) in Equine Science from Askham Bryan College near York, with additional excellence awards too! She is now continuing her studies and pursuing an MSc in Applied Animal Behaviour and Welfare.

Having been brought up around horses from an early age, studying equines and experiencing multiple equine sectors, Charlie brings an excellent blend of practical experience and leading-edge equestrian knowledge to R&BS.

With her venture into the finance arena with R&BS, Charlie is primed to become a unique and formidable addition to the R&BS consultancy team.

Contact

Phone 01904 607755

Email charlie@randbs.co.uk

Charlotte Douglas

I understand how much the possibility of a dream home or business means to our clients, and I love helping them to ensure their vision becomes a reality.

Geoff Hall

Consultant for North and Scotland, Specialist in Large Loans for Agriculture and Landed Estates

Geoff brings a wealth of farming and finance experience to R&BS. With 44 years working at Lloyds Banking Group (of which over 30 years were in Agriculture) and ending as Area Director for Agriculture for the North of England, he is hugely respected.

Geoff is still involved in the industry and has chosen to assist our clients with his vast knowledge of banking, lending, farming and rural business. We're delighted to have such an esteemed, well-networked and influential agricultural finance specialist on the R&BS team. 
 

Contact

Phone 01904 607755

Mobile 07836 249680

Email geoff@randbs.co.uk

Geoff Hall

I've helped many farm businesses over the years to achieve their goals. R&BS presents the opportunity for me to continue to do this with freedom across the full range of agriculture and the much wider rural market.

Seamus O'Neill

Consultant for North and Scotland, 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. 

Contact

Phone 01904 607755

Mobile 07722 043153

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.

Kim Pickering

Consultant for North and Scotland, Specialist in Agriculture for funding up to £300K

Kim is a customer of R&BS. She liked us so much she decided to work for us!

Having been brought up working closely with her farming family in Yorkshire, Kim has been immersed in practical farming all her life. With the help of R&BS she now farms in her own right running a mixed livestock enterprise.

Kim is a graduate in Animal Science and combined with her extensive practical farming experience, she brings technical expertise and first-hand farming knowledge to the R&BS team, which will be invaluable for understanding our clients' requirements and translating that into credible lending proposals. 

Contact

Mobile 07823 335088

Email kim@randbs.co.uk

Kim Pickering

R&BS helped me to realise my dream and farming ambition. I’m excited to help others achieve their dreams and ambitions too.

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. 

Contact

Mobile 07476 279382

Email davidp@randbs.co.uk

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 clients through the minefield of mortgages and get them the best rates and terms to help their businesses grow and achieve their ambitions.

Contact

Phone 01626 832336

Mobile 07542 036554

Email peter@randbs.co.uk

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 clients the best and most suitable lending rates and terms to enable them to take their businesses forwards.

Contact

Phone 01474 816500

Mobile 07967 302796

Email graham@randbs.co.uk

Graham Sanders

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

Simon Shepherd

Consultant for South and West Yorkshire

Simon is a progressive, enthusiastic and motivated professional and a great addition to the R&BS team.

With over 15 years of experience in the banking and finance sector specialising in the rural market, combined with operating his own independent agricultural and equestrian asset finance consultancy, Simon is excellently equipped to play the vital communication and facilitation role between our clients and our funding partners.

From Simon’s industry knowledge, professionalism and his own business experience, he knows the paramount importance of customer service and delivering on behalf of clients - an ethos shared with R&BS, making him a perfect fit with the team.

Contact

Mobile 07383 516197

Email simon@randbs.co.uk

Simon Shepherd

Rural businesses need specialist financial assistance. R&BS lead in this field. Our ethos, integrity and professionalism allows us to deliver funding solutions that achieve the aims and ambitions of every client.

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 us in 2016, after he'd been 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 clients in East Anglia with independent access to the most suitable lending products, rates and terms.

Contact

Phone 01474 816500

Mobile 07796 801784

Email david@randbs.co.uk

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. 

Contact

Mobile 07789 188062

Email polly@randbs.co.uk

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