
Our Key Players here at Key Commercial Finance.
The commercial finance professionals behind our success.

Over 300 years of combined experience.
We’re proud to have built a team comprising a mix of commercial financial professionals, each who brings something different to the table. From former bankers and lenders to underwriters, our team is bursting with the knowledge it takes to secure the right commercial finance for our clients.
Meet the Team
Associate of the Chartered Institute of Bankers and Member of the Yorkshire Regional Committee of the Institute of Financial Services
Tony Newham founded Key in 2007, after a 28-year career working at HSBC bank - where his passion for finance began. Tony’s financial career really began to take off when he secured his first Branch Manager role with HSBC in 1989 after passing multiple professional exams. From here, he moved into specialist commercial finance, taking on numerous managerial roles at branches across the North of England. After 15 years, he became Head of Commercial Banking at Huddersfield Commercial Centre, leading a team of 10 managers and a wider support team. He was responsible for developing and managing relationships with businesses with a turnover of £1m to £25m, and debt up to £20m, as well as approving commercial credit lines up to £2m. Tony’s vast experience allows him to bring unparalleled insight of the financial sector to the team here at Key, thus creating a brokerage with the experience and knowledge to approach even the most complex financial situations with confidence.
Tony Newham, Director
Our Founder
David Menaghan, Financial Consultant Based in Huddersfield
With over 45 years of experience in financial services, David has a wealth of knowledge to share with clients and colleagues alike. Since joining Key in 2016, David has helped a whole range of clients secure the funding they need, from those investing in/developing property, right through to those looking to expand their trading businesses.
Tim Groves, Commercial Finance Consultant Based in Leeds/ Bradford
Tim joined our team in 2017, bringing with him nearly 40 years of experience working within the finance sector. After a successful career in corporate banking, supporting major regional clients, he made the transition to real estate. Tim, who’s based in Leeds, now specialises in Property Development and Investment, and is recognised as a leading expert in Development Finance in the local area.
Michelle Mackenzie, Business Development Executive
CeMAP Qualified
Michelle, a key player in our dedicated Buy to Let specialists team, adept at sourcing specialist products for complex buy to let cases including HMOs, multi-block units and holiday lets. With a strong background in customer support, she’s also well known by her colleagues as the go-to person for research and application assistance. The way Michelle goes above and beyond for our clients, putting them first always, results in a faster and more efficient journey to getting the finance they need.
Liz Lloyd, Operations Manager Based in Huddersfield
CeMap Qualified
Liz joined the team in 2015 as our Operations Manager, bringing with her over 25 years of customer service experience. Having previously worked as a Mortgage Advisor, she obtained her CeMap qualification and built a breadth of knowledge surrounding lending, particularly Buy to Let. Along with efficiently running the office, Liz is a valued member of our dedicated Buy to Let team, specialising in complex cases such as HMO’s, MUFBs and holiday lets. She takes great pride in finding the best possible solution for her clients, whilst always offering a high level of customer service.
Siobhan Rules, Commercial Finance Consultant Based in Dewsbury
Siobhan started her career in finance straight from school. She has spent the last 20 years gaining extensive knowledge of the industry. As a former underwriter, Siobhan is uniquely positioned to assess applications from both perspectives, bringing invaluable insight for our clients. Well known for presenting proposals even the dragons couldn’t resist, and ensuring a smooth and seamless process for both clients and lenders, Siobhan is a key part of the team.
Chris Parker, Commercial Finance Consultant
Chris, who’s based in West Yorkshire, is a Commercial Finance Consultant with a vast amount of experience shaping new finance deals and authorising lending. During his 40-year career working for major clearing banks, he took on various senior roles including Commercial Lending Manager and Specialist Business Development Manager, gaining extensive knowledge of the market and products. An integral part of our organisation, Chris comes from a family of small business owners, giving him the vital ability to see things from the client’s point of view.
Steve Midgley, Commercial Finance Consultant
Based in Bradford, Steve has nearly 50 years of experience in the Financial Services industry 39+ with a clearing bank and over nine with Key Commercial Finance Solutions Ltd. He has a focus on healthcare and property investment. He works with clients to identify the right funding options for their potential purchases, allowing them to focus on developing and growing their businesses.
Vicki Walker, Appointed representative Based in Emley
Operating as Resolute Commercial Finance, Vicki is one of our appointed representatives.
With 20 years experience working in the financial services sector, Vicki has helped countless
businesses and property investors secure the funding they need to move forward.
To speak with Vicki, please click here.

Our pool of introducers are just as valuable to the business as our key players and we’re able to help a lot more people source the right commercial finance because of our partnerships with them.
Our introducers are mostly those working within another business, such as an Accountant, Mortgage Advisor, or Business Coach. They don’t form part of our internal team. But you can find out more about our Introducers and how the partnership works below.
Introducers play a huge role in our success too!
Why people choose to work with Key
Interested in becoming a key player?
We’re always looking for experienced financial consultants and business professionals who are passionate about helping clients source the right commercial finance. So, whether you’ve got your own business, and you’re interested in becoming an Appointed Representative or fancy a new self-employed venture as a Key Financial Consultant, we want to hear from you.