Providing a stress-free process securing your cashflow

With a background in banking, we know how difficult and frustrating it can be to secure much-needed cashflow, especially when time is critical. That’s where Oxygen Business Finance comes in…

From initial contact to application to submission for approval, we prioritise getting you the finance you need when you need it. Our team scours our finance partners to find you the best deal, taking all the stress out of the equation.

If you’d like to know a little more about some of our team, check out the bios below…

Meet our leadership team

Nigel Bowers

The founding member of Oxygen Business Finance, Nigel had the desire to use his experience to help property professionals structure their finance deals in the most effective way. With a successful 30+ year career as a commercial banker, holding senior positions at some of the UK’s largest banks, Nigel’s industry knowledge is second to none. He has connections to a huge range of funders, and the knowledge to fully support you from inception to completion.

Ruth Hamby

With extensive experience running a business renovating and renting residential properties, combined with operating a freehold country pub, Ruth is a skilled problem solver, and really understands what’s important to small business owners. Ruth ensures the application process progresses smoothly and quickly for customers, and she facilitates a fast turnaround for securing funds and delivery of financial services for our clients.

Our services

Read more about what Oxygen Business Finance can do for you.

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Case studies

Discover how we’ve helped businesses like yours.

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Apply today

Start your application in 3 easy steps. Now that’s Oxygen Business Finance!

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