Whether you’re an experienced introducer after a rapid response, or a developer considering your first project please give us a call on the direct line for our team, or complete our online enquiry. Our direct line will be quickly answered by one of our property finance experts. Please note that calls are recorded for training and monitoring purposes.
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Our experienced team are here to help. Get in touch today.
General Enquiries
- 01942 295 982
- enquiries@senecabridging.co.uk
- 9 The Parks, Haydock, WA12 0JQ
Send a message
Sales Team Enquiries
Paul Ratcliffe
Paul joined Seneca in September 2024 with over 30 years of experience in banking and property finance.
Paul spent 25 years with Yorkshire Bank and Santander and over the most recent six years has focused his time and energy in the bridging and development finance space. He has a great reputation for looking after brokers and direct clients, tailoring funding solutions to their specific needs. Paul’s experience in bridging and development finance has enabled him to deliver consistent results for his introducer network, the origins of which span many years.
As Head of Business Development, Paul supports the wider team and will continue to expand the business’s reach to brokers and developers nationwide.
- 07341 869 483
Paul Ratcliffe
Paul joined Seneca in September 2024 with over 30 years of experience in banking and property finance.
Paul spent 25 years with Yorkshire Bank and Santander and over the most recent six years has focused his time and energy in the bridging and development finance space. He has a great reputation for looking after brokers and direct clients, tailoring funding solutions to their specific needs. Paul’s experience in bridging and development finance has enabled him to deliver consistent results for his introducer network, the origins of which span many years.
As Head of Business Development, Paul supports the wider team and will continue to expand the business’s reach to brokers and developers nationwide.
- 07341 869 483
Paul Ratcliffe
Paul joined Seneca in September 2024 with over 30 years of experience in banking and property finance.
Paul spent 25 years with Yorkshire Bank and Santander and over the most recent six years has focused his time and energy in the bridging and development finance space. He has a great reputation for looking after brokers and direct clients, tailoring funding solutions to their specific needs. Paul’s experience in bridging and development finance has enabled him to deliver consistent results for his introducer network, the origins of which span many years.
As Head of Business Development, Paul supports the wider team and will continue to expand the business’s reach to brokers and developers nationwide.
- 07341 869 483
Sophie Moore
Sophie joined Seneca Bridging in December 2023 with over 6 years of underwriting experience. Prior to joining, Sophie had spent 2 years as a team leader in one of Seneca’s other lending businesses where she excelled in fast lending decisions and managing intermediary relationships.
Sophie is relationship-driven and brings her passion for business development and underwriting experience to her role at Seneca.
- 01942 295 982
- 07436 786 208
Sophie Moore
Sophie joined Seneca Bridging in December 2023 with over 6 years of underwriting experience. Prior to joining, Sophie had spent 2 years as a team leader in one of Seneca’s other lending businesses where she excelled in fast lending decisions and managing intermediary relationships.
Sophie is relationship-driven and brings her passion for business development and underwriting experience to her role at Seneca.
- 01942 295 982
- 07436 786 208
Sophie Moore
Sophie joined Seneca Bridging in December 2023 with over 6 years of underwriting experience. Prior to joining, Sophie had spent 2 years as a team leader in one of Seneca’s other lending businesses where she excelled in fast lending decisions and managing intermediary relationships.
Sophie is relationship-driven and brings her passion for business development and underwriting experience to her role at Seneca.
- 01942 295 982
- 07436 786 208
Sean Carbery
Sean joined Seneca as Relationship Director for the Midlands, bringing more than 14 years’ experience across real estate and commercial banking.
Sean spent over six years with Lloyds Banking Group, where he built a strong foundation in structured lending, credit analysis and long-term client relationship management. More recently, Sean has focused on the lending and development market, developing a reputation for combining technical knowledge with a relationship-led approach.
He works closely with brokers and introducers to structure tailored funding solutions, navigate complexity and drive transactions through to completion, ensuring deals are executed efficiently and with certainty from initial structuring through to drawdown.
- 01942 295 982
- 07392 879 371
Sean Carbery
Sean joined Seneca as Relationship Director for the Midlands, bringing more than 14 years’ experience across real estate and commercial banking.
Sean spent over six years with Lloyds Banking Group, where he built a strong foundation in structured lending, credit analysis and long-term client relationship management. More recently, Sean has focused on the lending and development market, developing a reputation for combining technical knowledge with a relationship-led approach.
He works closely with brokers and introducers to structure tailored funding solutions, navigate complexity and drive transactions through to completion, ensuring deals are executed efficiently and with certainty from initial structuring through to drawdown.
- 01942 295 982
- 07392 879 371
Sean Carbery
Sean joined Seneca as Relationship Director for the Midlands, bringing more than 14 years’ experience across real estate and commercial banking.
Sean spent over six years with Lloyds Banking Group, where he built a strong foundation in structured lending, credit analysis and long-term client relationship management. More recently, Sean has focused on the lending and development market, developing a reputation for combining technical knowledge with a relationship-led approach.
He works closely with brokers and introducers to structure tailored funding solutions, navigate complexity and drive transactions through to completion, ensuring deals are executed efficiently and with certainty from initial structuring through to drawdown.
- 01942 295 982
- 07392 879 371
Ben Thompson
Ben joined Seneca Bridging in March 2026 with over 11 years of underwriting experience across financial services. Prior to this, Ben developed a strong track record in making sound lending decisions and supporting intermediary relationships.
Ben brings his underwriting expertise and takes a collaborative, relationship-driven approach to deliver a responsive and reliable service.
- 01942 295 982
- 07551 918 164
Ben Thompson
Ben joined Seneca Bridging in March 2026 with over 11 years of underwriting experience across financial services. Prior to this, Ben developed a strong track record in making sound lending decisions and supporting intermediary relationships.
Ben brings his underwriting expertise and takes a collaborative, relationship-driven approach to deliver a responsive and reliable service.
- 01942 295 982
- 07551 918 164
Ben Thompson
Ben joined Seneca Bridging in March 2026 with over 11 years of underwriting experience across financial services. Prior to this, Ben developed a strong track record in making sound lending decisions and supporting intermediary relationships.
Ben brings his underwriting expertise and takes a collaborative, relationship-driven approach to deliver a responsive and reliable service.
- 01942 295 982
- 07551 918 164
Adam Bluma
Adam joined Seneca in June 2026, bringing over 15 years of experience in banking and specialist property finance.
Adam spent 11 years with NatWest Bank, building a strong foundation in lending, credit analysis and client relationship management. More recently, Adam has focused his time and energy in the bridging and development finance space, holding senior roles at Assetz Finance and Bridging Finance Solutions.
Adam has developed a reputation for providing quick, commercial decisions and for his relentless focus on driving transactions through to completion. He works closely with brokers and clients alike, ensuring that deals are progressed efficiently and with certainty from initial enquiry through to drawdown.
Adam's experience across both mainstream and specialist lending enables him to structure tailored funding solutions that meet the specific needs of each transaction, delivering consistent results for his introducer network.
- 01942 295 982
- 07884 738 796
Adam Bluma
Adam joined Seneca in June 2026, bringing over 15 years of experience in banking and specialist property finance.
Adam spent 11 years with NatWest Bank, building a strong foundation in lending, credit analysis and client relationship management. More recently, Adam has focused his time and energy in the bridging and development finance space, holding senior roles at Assetz Finance and Bridging Finance Solutions.
Adam has developed a reputation for providing quick, commercial decisions and for his relentless focus on driving transactions through to completion. He works closely with brokers and clients alike, ensuring that deals are progressed efficiently and with certainty from initial enquiry through to drawdown.
Adam's experience across both mainstream and specialist lending enables him to structure tailored funding solutions that meet the specific needs of each transaction, delivering consistent results for his introducer network.
- 01942 295 982
- 07884 738 796
Adam Bluma
Adam joined Seneca in June 2026, bringing over 15 years of experience in banking and specialist property finance.
Adam spent 11 years with NatWest Bank, building a strong foundation in lending, credit analysis and client relationship management. More recently, Adam has focused his time and energy in the bridging and development finance space, holding senior roles at Assetz Finance and Bridging Finance Solutions.
Adam has developed a reputation for providing quick, commercial decisions and for his relentless focus on driving transactions through to completion. He works closely with brokers and clients alike, ensuring that deals are progressed efficiently and with certainty from initial enquiry through to drawdown.
Adam's experience across both mainstream and specialist lending enables him to structure tailored funding solutions that meet the specific needs of each transaction, delivering consistent results for his introducer network.
- 01942 295 982
- 07884 738 796
Operations Team Enquiries
Laura Govan
Laura joined the operations team in 2017 and is the Portfolio Manager for the business. Laura oversees the progression of credit approved deals and manages Seneca’s panel of professionals to ensure that both clients and brokers alike receive an excellent level of service.
Being the Portfolio Manager, Laura maintains close working relationships with our clients so that an efficient and complete service can be provided, particularly with clients who have periodic borrowing needs during the construction phase of projects. In doing so, Laura works closely with Seneca’s credit committee and the professionals appointed by Seneca on the various projects we fund.
Laura supports clients as they approach the end of their term with Seneca and ensures that developers are keen to work with us in the future.
- 01942 295 982
Laura Govan
Laura joined the operations team in 2017 and is the Portfolio Manager for the business. Laura oversees the progression of credit approved deals and manages Seneca’s panel of professionals to ensure that both clients and brokers alike receive an excellent level of service.
Being the Portfolio Manager, Laura maintains close working relationships with our clients so that an efficient and complete service can be provided, particularly with clients who have periodic borrowing needs during the construction phase of projects. In doing so, Laura works closely with Seneca’s credit committee and the professionals appointed by Seneca on the various projects we fund.
Laura supports clients as they approach the end of their term with Seneca and ensures that developers are keen to work with us in the future.
- 01942 295 982
Laura Govan
Laura joined the operations team in 2017 and is the Portfolio Manager for the business. Laura oversees the progression of credit approved deals and manages Seneca’s panel of professionals to ensure that both clients and brokers alike receive an excellent level of service.
Being the Portfolio Manager, Laura maintains close working relationships with our clients so that an efficient and complete service can be provided, particularly with clients who have periodic borrowing needs during the construction phase of projects. In doing so, Laura works closely with Seneca’s credit committee and the professionals appointed by Seneca on the various projects we fund.
Laura supports clients as they approach the end of their term with Seneca and ensures that developers are keen to work with us in the future.
- 01942 295 982
Rachel Hardie
Rachel joined the operations team in May 2025, having spent 2 years working in one of Seneca’s other lending businesses. Prior to joining Seneca, Rachel had a 20-year career in the housing sector working as a commercial and home ownership manager.
Rachel works closely with the Portfolio manager to ensure our clients receive a smooth and excellent service.
- 01942 295 982
Rachel Hardie
Rachel joined the operations team in May 2025, having spent 2 years working in one of Seneca’s other lending businesses. Prior to joining Seneca, Rachel had a 20-year career in the housing sector working as a commercial and home ownership manager.
Rachel works closely with the Portfolio manager to ensure our clients receive a smooth and excellent service.
- 01942 295 982
Rachel Hardie
Rachel joined the operations team in May 2025, having spent 2 years working in one of Seneca’s other lending businesses. Prior to joining Seneca, Rachel had a 20-year career in the housing sector working as a commercial and home ownership manager.
Rachel works closely with the Portfolio manager to ensure our clients receive a smooth and excellent service.
- 01942 295 982
Mark Hopton
Mark qualified as a chartered accountant with KPMG in 1991.Mark gained extensive experience of corporate finance, restructurings and an AIM flotation in his roles as Head of Finance at Raytheon Corporate Jets and as Finance Director of FADS Group.
Mark joined Cenkos Fund Managers in 2009 as an Investment Manager and further enhanced his experience of fundraisings, mergers, acquisitions and restructurings during his three years with the company.
Mark joined Seneca in 2011 to assist in the management of our investee companies and lending activities. He provides invaluable financial management, analysis and reporting both internally and as an outsourced client service.
- 01942 295 984
- 07825 941 357
Mark Hopton
Mark qualified as a chartered accountant with KPMG in 1991.Mark gained extensive experience of corporate finance, restructurings and an AIM flotation in his roles as Head of Finance at Raytheon Corporate Jets and as Finance Director of FADS Group.
Mark joined Cenkos Fund Managers in 2009 as an Investment Manager and further enhanced his experience of fundraisings, mergers, acquisitions and restructurings during his three years with the company.
Mark joined Seneca in 2011 to assist in the management of our investee companies and lending activities. He provides invaluable financial management, analysis and reporting both internally and as an outsourced client service.
- 01942 295 984
- 07825 941 357
Mark Hopton
Mark qualified as a chartered accountant with KPMG in 1991.Mark gained extensive experience of corporate finance, restructurings and an AIM flotation in his roles as Head of Finance at Raytheon Corporate Jets and as Finance Director of FADS Group.
Mark joined Cenkos Fund Managers in 2009 as an Investment Manager and further enhanced his experience of fundraisings, mergers, acquisitions and restructurings during his three years with the company.
Mark joined Seneca in 2011 to assist in the management of our investee companies and lending activities. He provides invaluable financial management, analysis and reporting both internally and as an outsourced client service.
- 01942 295 984
- 07825 941 357
Richard Manley
Richard holds a BSc (Hons) in Mathematics from the University of Birmingham and qualified as a chartered accountant with KPMG in 2003. He worked for KPMG for over 5 years, initially in their audit business and latterly in their corporate recovery division working on financial and operational restructurings and formal insolvencies.
In 2007, Richard joined NM Rothschild’s leveraged finance team in Manchester before joining Cenkos Fund Managers in June 2008. During his time with Cenkos Fund Managers, manager of the £60m pre-IPO investment fund RRF Ltd, Richard gained extensive experience of flotations, fundraisings, mergers, acquisitions and restructurings.
Richard is a member of the Credit Committee.
- 01942 295 982
- 07825 941 362
Richard Manley
Richard holds a BSc (Hons) in Mathematics from the University of Birmingham and qualified as a chartered accountant with KPMG in 2003. He worked for KPMG for over 5 years, initially in their audit business and latterly in their corporate recovery division working on financial and operational restructurings and formal insolvencies.
In 2007, Richard joined NM Rothschild’s leveraged finance team in Manchester before joining Cenkos Fund Managers in June 2008. During his time with Cenkos Fund Managers, manager of the £60m pre-IPO investment fund RRF Ltd, Richard gained extensive experience of flotations, fundraisings, mergers, acquisitions and restructurings.
Richard is a member of the Credit Committee.
- 01942 295 982
- 07825 941 362
Richard Manley
Richard holds a BSc (Hons) in Mathematics from the University of Birmingham and qualified as a chartered accountant with KPMG in 2003. He worked for KPMG for over 5 years, initially in their audit business and latterly in their corporate recovery division working on financial and operational restructurings and formal insolvencies.
In 2007, Richard joined NM Rothschild’s leveraged finance team in Manchester before joining Cenkos Fund Managers in June 2008. During his time with Cenkos Fund Managers, manager of the £60m pre-IPO investment fund RRF Ltd, Richard gained extensive experience of flotations, fundraisings, mergers, acquisitions and restructurings.
Richard is a member of the Credit Committee.
- 01942 295 982
- 07825 941 362
Tim Murphy
Tim commenced his finance career with Barclays in 1983 where he fulfilled various corporate and credit roles before joining County NatWest in 1990 where he held a number of positions in structured and acquisition finance.In 1993, Tim joined the Royal Bank of Scotland’s fledgling Acquisition Finance business, initially establishing the Leeds office. He was subsequently responsible for all UK regional teams and in 2002, he founded RBS Corporate & Structured Finance. As Joint Managing Director, he had overall responsibility for the national mid-cap structured finance business, whilst also being a member of the Royal Bank of Scotland’s Corporate Credit Committee.
In 2005, Tim was hired by Deloitte, Manchester, as a corporate finance partner with the remit to establish the National Debt Advisory business, advising on capital raising and stressed debt refinancing.
After a successful spell, he joined HBOS as UK Managing Director, Large Corporates in 2008.
Tim joined Seneca from NorthEdge Capital, where he was a founding partner of the business, established to focus on stressed corporate opportunities.
- 07900 160 564
Tim Murphy
Tim commenced his finance career with Barclays in 1983 where he fulfilled various corporate and credit roles before joining County NatWest in 1990 where he held a number of positions in structured and acquisition finance.In 1993, Tim joined the Royal Bank of Scotland’s fledgling Acquisition Finance business, initially establishing the Leeds office. He was subsequently responsible for all UK regional teams and in 2002, he founded RBS Corporate & Structured Finance. As Joint Managing Director, he had overall responsibility for the national mid-cap structured finance business, whilst also being a member of the Royal Bank of Scotland’s Corporate Credit Committee.
In 2005, Tim was hired by Deloitte, Manchester, as a corporate finance partner with the remit to establish the National Debt Advisory business, advising on capital raising and stressed debt refinancing.
After a successful spell, he joined HBOS as UK Managing Director, Large Corporates in 2008.
Tim joined Seneca from NorthEdge Capital, where he was a founding partner of the business, established to focus on stressed corporate opportunities.
- 07900 160 564
Tim Murphy
Tim commenced his finance career with Barclays in 1983 where he fulfilled various corporate and credit roles before joining County NatWest in 1990 where he held a number of positions in structured and acquisition finance.In 1993, Tim joined the Royal Bank of Scotland’s fledgling Acquisition Finance business, initially establishing the Leeds office. He was subsequently responsible for all UK regional teams and in 2002, he founded RBS Corporate & Structured Finance. As Joint Managing Director, he had overall responsibility for the national mid-cap structured finance business, whilst also being a member of the Royal Bank of Scotland’s Corporate Credit Committee.
In 2005, Tim was hired by Deloitte, Manchester, as a corporate finance partner with the remit to establish the National Debt Advisory business, advising on capital raising and stressed debt refinancing.
After a successful spell, he joined HBOS as UK Managing Director, Large Corporates in 2008.
Tim joined Seneca from NorthEdge Capital, where he was a founding partner of the business, established to focus on stressed corporate opportunities.
- 07900 160 564
Aziz Shan
Aziz joined Seneca in 2013 as part of the banking advisory team where he supported SMEs on their interest rate hedging products litigation. Drawing on his legal and finance experience, Aziz transitioned to the Bridging business in 2015 with a special focus on deal execution and portfolio management.
As Legal Director, Aziz leads the growing operations team to ensure that Seneca’s portfolio is performing and Seneca delivers an excellent service to all of its clients. In doing so, Aziz oversees and supports colleagues on all new lending and portfolio management activities and where necessary handles Seneca’s enforcement actions.
More broadly, Aziz also works closely with Seneca’s credit committee and the board of directors.
- 01942 295 982
Aziz Shan
Aziz joined Seneca in 2013 as part of the banking advisory team where he supported SMEs on their interest rate hedging products litigation. Drawing on his legal and finance experience, Aziz transitioned to the Bridging business in 2015 with a special focus on deal execution and portfolio management.
As Legal Director, Aziz leads the growing operations team to ensure that Seneca’s portfolio is performing and Seneca delivers an excellent service to all of its clients. In doing so, Aziz oversees and supports colleagues on all new lending and portfolio management activities and where necessary handles Seneca’s enforcement actions.
More broadly, Aziz also works closely with Seneca’s credit committee and the board of directors.
- 01942 295 982
Aziz Shan
Aziz joined Seneca in 2013 as part of the banking advisory team where he supported SMEs on their interest rate hedging products litigation. Drawing on his legal and finance experience, Aziz transitioned to the Bridging business in 2015 with a special focus on deal execution and portfolio management.
As Legal Director, Aziz leads the growing operations team to ensure that Seneca’s portfolio is performing and Seneca delivers an excellent service to all of its clients. In doing so, Aziz oversees and supports colleagues on all new lending and portfolio management activities and where necessary handles Seneca’s enforcement actions.
More broadly, Aziz also works closely with Seneca’s credit committee and the board of directors.
- 01942 295 982