Who we are
We are a young and inspired team of over 60 professionals setting new standards as an international lender, making a positive difference to our clients by providing them with innovative lending solutions.
Who we are
We are a young and inspired team of nearly 50 professionals setting new standards as an international lender, making a positive difference to our clients by providing them with innovative lending solutions.
Our team comes from 15 different countries, all over the world, including Asia, Latin America, Africa, Oceania and of course Europe. As an international lender, we believe that bringing people together from different backgrounds – and giving them an equal right to debate and input ideas at all levels of the company – is a powerful catalyst for creativity and innovation.
Between us, our team speaks a total of 21 languages: English, French, German, Dutch, Italian, Spanish, Catalan, Hungarian, Polish, Russian, Ukrainian, Arabic, Pashto, Urdu, Hindi, Bengali, Cantonese, Mandarin, Indonesian, Hokkien, and Malay. This gives us a unique ability as an international lender to communicate with people from all over the world.
We care deeply about gender diversity, and also fully embrace racial and cultural diversity. Nearly 50% of our employees are women. To us, equality does not mean sameness; people of all gender identities bring differentiated perspectives, and this helps to create a more sustainable international lender. We welcome and embrace these different perspectives and the views of all people in the company, regardless of gender or race. Diversity and gender equality are integral parts of our culture.
The average age of our employees is under 30, and this creates a very stimulating environment. We are not only colleagues but also a close team outside of work.
As a rapidly growing international lender, we are never afraid of a challenge. We have expanded our lending business rapidly across Europe. We always like to add new types of lending solutions to our offering and we are not afraid of entering new markets.
Every year we hire several undergraduates and graduates from university who we take through our multi-faceted training programme which consists of 27 modules, such as cashflow analysis, real estate valuation, legal documentation, credit analysis, etc. All new hires assume real decision-making responsibilities from the first week they join.
In signing the Charter, we endorse the aspiration to achieve greater gender balance across all areas of our business. Our senior management team currently consists of 38% female staff, with an overall approximate 50/50 split between men and women across the company. By signing the charter, we have pledged to promote gender diversity by:
- having one member of our senior executive team who is responsible and accountable for gender diversity and inclusion
- increasing the number of women in senior management to 30% and having at least one female board member by 2021 (as of 11 November 2019 we have one female board member, ahead of schedule)
- setting internal targets for gender diversity in our senior management and publishing our progress against these targets annually
- ensuring the pay of the senior executive team is linked to delivery against these internal targets on gender diversity.
Vacancies
If you would like to join our dynamic and rapidly growing team, and you believe you have what it takes to join an international lender, then please check out our vacancies on LinkedIn or send in your application to recruitment@fiduciam.co.uk
Vacancies
If you would like to join our dynamic and rapidly growing team, and you believe you have what it takes to join an international lender, then please check out our vacancies on LinkedIn or send in your application to recruitment@fiduciam.co.uk
What some of our employees say
Johan
Johan Groothaert co-founded Fiduciam back in 2014 and has been its Chief Executive Officer ever since.
“We are very proud of our team and our culture, they are the most important assets of our company. We are an entrepreneurial, young and dynamic international lender, with a strong focus on delivering quality. We celebrate the creativity our diverse workforce brings us.”
Henrik
Henrik Takkenberg co-founded Fiduciam back in 2014 and carries several senior management roles.
“We are an international lender; our employees speak 21 languages and we have been growing from our London hub by opening local offices, such as in the Netherlands, Spain and Germany. This international dimension sets us apart from many other fintech lenders.”
Louisa
Louisa Holland-Hibbert joined Fiduciam in 2020 as a case manager and now heads our loan origination in the United Kingdom.
“Fiduciam has grown its brand across the UK significantly in the time I have been here. The amount of responsibility and freedom which was given me to grow our Scottish Market, using my own knowledge of the country, away from the central belt and into more remote areas has been particularly motivating”.
Yasmeen
Yasmeen Dufils joined Fiduciam in 2018 as a case manager and is now in charge of underwriting all Fiduciam’s Irish loans.
“I have enjoyed the very steep learning curve since I joined. The ‘can do’ culture encourages us young joiners to assume as much responsibility as we can carry. There are no glass ceilings and management likes to invest in our career progress.”
Cristina
Cristina Villén did an apprenticeship with Fiduciam in 2016, joined as originator in 2018 and now heads our Spanish team.
“It is incredibly motivating to work in a rapidly growing international lender. We entered the Spanish lending market in early 2018 and now we have a Spanish team of seven. I love my job because of the entrepreneurial and dynamic environment; I never thought I would have so much responsibility so early on.”
Marc
Marc Morris joined Fiduciam in 2019 and now leads Fiduciam’s underwriting team for the United Kingdom.
“Fiduciam’s flexible, fundamentals-based approach to lending provides our team with the opportunity to structure loans around the unique challenges of individual businesses across multiple sectors and jurisdictions. We celebrate curiosity and an openness to learn, adapt, and lead.”
Ana
Ana Díaz joined Fiduciam in 2019 as Office Manager and now leads the Marketing and Communications department.
“At Fiduciam, we’re not afraid to be different. Creativity drives every part of what we do; from shaping our brand to structuring funding solutions for our clients. By thinking beyond convention, we find smarter, more agile ways to communicate, connect, and deliver real impact.”
Neal
Neal Skinner joined Fiduciam in 2017, and now leads the Compliance department.
“At Fiduciam, compliance is seen as a cornerstone of trust, not an afterthought. It’s satisfying to work for a lender that balances commercial agility with real integrity.”
Noelle
Noelle Robbins joined Fiduciam in 2024 and now leads the Investor Relations team.
“I truly enjoy working on the Investor Relations team at Fiduciam because of the dynamic nature of the role. We engage with a wide range of investor types, which means we are constantly learning and adapting. Many of our investors have partnered with us since inception, allowing us to build strong and trusted relationships.”
Johan
“We are very proud of our team and our culture, they are the most important assets of our company. We are an entrepreneurial, young and dynamic international lender, with a strong focus on delivering quality. We celebrate the creativity our diverse workforce brings us.”
Henrik
Henrik Takkenberg co-founded Fiduciam back in 2014 and carries several senior management roles.
“We are an international lender; our employees speak 21 languages and we have been growing from our London hub by opening local offices, such as in the Netherlands, Spain and Germany. This international dimension sets us apart from many other fintech lenders.”
Louisa
Louisa Holland-Hibbert joined Fiduciam in 2020 as a case manager and now heads our loan origination in the United Kingdom.
“Fiduciam has grown its brand across the UK significantly in the time I have been here. The amount of responsibility and freedom which was given me to grow our Scottish Market, using my own knowledge of the country, away from the central belt and into more remote areas has been particularly motivating”.
Yasmeen
Yasmeen Dufils joined Fiduciam in 2018 as a case manager and is now in charge of underwriting all Fiduciam’s Irish loans.
“I have enjoyed the very steep learning curve since I joined. The ‘can do’ culture encourages us young joiners to assume as much responsibility as we can carry. There are no glass ceilings and management likes to invest in our career progress.”
Cristina
Cristina Villén did an apprenticeship with Fiduciam in 2016, joined as originator in 2018 and now heads our Spanish team.
“It is incredibly motivating to work in a rapidly growing international lender. We entered the Spanish lending market in early 2018 and now we have a Spanish team of seven. I love my job because of the entrepreneurial and dynamic environment; I never thought I would have so much responsibility so early on.”
Marc
Marc Morris joined Fiduciam in 2019 and now leads Fiduciam’s underwriting team for the United Kingdom.
“Fiduciam’s flexible, fundamentals-based approach to lending provides our team with the opportunity to structure loans around the unique challenges of individual businesses across multiple sectors and jurisdictions. We celebrate curiosity and an openness to learn, adapt, and lead.”
Ana
Ana Díaz joined Fiduciam in 2019 as Office Manager and now leads the Marketing and Communications department.
“At Fiduciam, we’re not afraid to be different. Creativity drives every part of what we do; from shaping our brand to structuring funding solutions for our clients. By thinking beyond convention, we find smarter, more agile ways to communicate, connect, and deliver real impact.”
Cristina
Neal Skinner joined Fiduciam in 2017, and now leads the Compliance department.
“At Fiduciam, compliance is seen as a cornerstone of trust, not an afterthought. It’s satisfying to work for a lender that balances commercial agility with real integrity.”
Cristina
Noelle Robbins joined Fiduciam in 2024 and now leads the Investor Relations team.
“I truly enjoy working on the Investor Relations team at Fiduciam because of the dynamic nature of the role. We engage with a wide range of investor types, which means we are constantly learning and adapting. Many of our investors have partnered with us since inception, allowing us to build strong and trusted relationships.”
Development finance for conversion of a commercial waterfront property into studios
Fiduciam granted a repeat borrower a £4.3 million conversion facility at 70% loan-to-value to transform the seven-storey Britannia Warehouse in Gloucester from office into an apartment building. The development budget, is fully funded by the facility. Works will be monitored by one of Fiduciam’s trusted project monitors, with development costs being paid through monthly loan drawdowns. The development finance facility benefits from generous contingency and completion deadline terms to provide sufficient flexibility to manage the repercussions of the global supply chain crisis. Once the conversion is completed the property will comprise 38 apartments, further enhancing the appeal of Gloucester’s historic docks.
Flexible development finance solution for custom-build homes
Fiduciam provided a £3.2m development finance facility for a custom-build homes scheme in south London. The challenge was to provide the developer with a flexible funding solution that could accommodate the variety of end products potential purchasers might desire. A structure was agreed that enabled the client to pull down funding as required, covering all options from shell sale to fully fitting out the houses. This fit-for-purpose funding offered the developer the flexibility to find the most profitable sale options. The borrower’s testimonial: “Fiduciam worked closely with us to provide a flexible funding solution that not only let us manage the development in the way that we felt was important, but also in the way that our homebuyers wanted.”
Complex ground-up development loan in Manchester
Fiduciam granted a £5m loan for the ground up development of 38 flats in Manchester. The development loan was structured to overcome the challenges posed by the complex property title and overage agreement, and to reduce the likelihood of cashflow squeezes during the project. The borrower’s testimonial: “There were elements to this site which had initially complicated obtaining development finance, also owing to the rigidity of the large banks. Then Covid came along, disrupting supply chains. Fiduciam worked closely with us to put in place a facility that alleviated cashflow pressures exacerbated by the pandemic. Fiduciam went out of their way to overcome the complications and find solutions.”
Equity extraction bridging loans to accelerate development pipeline
Housebuilders can improve profitability by employing their equity more efficiently and avoiding development pauses. Fiduciam routinely works with housebuilders to accelerate the development cycle and recycle capital into new schemes. This can be achieved through a hybrid facility covering multiple schemes or by structuring development finance to include an equity release on practical completion. Fiduciam provided a £1.6m hybrid development loan to purchase a site in Tooting for the development of five dwellings. The initial loan amount was increased to cover the acquisition costs of the site by releasing equity from the borrower’s newly completed scheme in West Norwood, which was also been financed by Fiduciam.
85% loan-to-cost acquisition and refurbishment facility
Fiduciam provided a prominent UK real estate investor with a £5m acquisition loan to complete a complex transaction involving the purchase of 32 residential apartments and the simultaneous sale of a six-unit development plot contained within the title. Individual leaseholds were granted by the vendor before transferring the freehold title. While the borrower was able to secure buy-to-let mortgages on seven leasehold units, they required Fiduciam’s assistance to complete the acquisition of the 25 other units within the mandated timescale. The bridging loan was underwritten on the basis of 70% of the breakup value, 85% of block value and 85% of acquisition cost. The facility allowed for the refurbishment of the flats during the term.
Financing a Cornish Hotel
Fiduciam provided Hustyns Resort in Cornwall with a £1.2 million loan to invest in the hotel, including a restaurant refurbishment and glamping offering. These additions helped further diversify the resort’s offering, as well as maximise income during the peak summer months. The principal is an experienced hotelier and has operated a series of hotels in both the United Kingdom and the United States. The two-year bridging loan allowed time for accounts to be established before the borrower refinanced onto a term product with a commercial lender. Ravi Gupta of Hustyns Resort commented: “The loan from Fiduciam means that we can not only weather this latest lockdown, but we can make the investments we want into our resort and know that our business’s future is secure.”
Turn-around commercial mortgages for a care home group
A specialist provider of dementia care had run into problems with its bank after an expansion of its business did not go to plan. A newly opened care home had been graded as “inadequate” by the Care Quality Commission, which had prompted the bank to call in its loan facilities. Fiduciam and the care home group worked closely together on a relay facility, allowing the care home group to repay its bank whilst executing a corporate restructuring that would enable it to tap into bank finance once again. This restructuring plan had to be delivered around the needs of the nursing home patients. Fiduciam was actively involved in the restructuring, which was completed successfully. The care home group refinanced with a high street bank one year later.
Commercial mortgages for well-established London landlord
An important and family-owned landlord, focused on affordable property for key-workers in London, uses Fiduciam to finance new property acquisitions and portfolio reallocations. As with other property investors he uses a mix of traditional bank loans and buy-to-let loans complimented by Fiduciam's commercial mortgages. When acquiring new property, the high-street banks usually cannot meet time deadlines or simply wish to hold off until a rental track record has been established. Fiduciam is a constant provider of funding on new acquisitions for this successful landlord as he continues to build out his portfolio.
How exclusive seafront property assists in financing Bladon Jets
Bladon Jets is a Coventry-based company pioneer and manufacturer of world-leading micro turbines – small, light and clean-burning engines. Although originally intended as range extenders for electric cars, they have now been adapted to replace the diesel engines that power telecom mast towers. A private venture capital investor decided to participate in a Bladon Jets capital raise and instead of disposing of other assets, he chose to obtain a bridging loan secured on an exclusive Sussex seafront property. This loan gave the investor the flexibility to inject capital into Bladon jets whilst waiting for divestment proceeds to materialize.
Close cooperation with a family-run development and construction firm
Unlike large housebuilders, smaller housebuilders often find it challenging to obtain development finance. Fiduciam funds many of these smaller firms. One of the firms that has developed a strong working relationship with Fiduciam is run by a husband-and-wife team based in East London. Their testimonial: “We got to know Fiduciam when our bank was dragging its feet over a new acquisition, for no apparent reason, and we decided to diversify funding sources. Since then, we have been doing all our projects with Fiduciam as they have proven to be efficient and understand the construction trade; also allowing us to extract equity without any red tape when we need it for the next project.”
TVR Automotive – a transformational multi-tranche facility
Following the take-over and recapitalization of TVR by a group of successful British entrepreneurs, the development of a new high-performance car was commenced in close cooperation with Gordon Murray Design. Fiduciam provided the cornerstone of the second capitalization round, working together with the Welsh government and equity investors, in order to finance a new production facility in South Wales, a project representing £30 million of capital expenditure and creating 150 direct jobs and many more in the supply chain. This loan facility demonstrates Fiduciam's ability to successfully complete ambitious transactions.
Trees grow on money
Fiduciam granted a €1.3 million, three-year commercial loan to Hatton Farm in the Republic of Ireland. Hatton Farm is one of Ireland’s leading potato producers and is also a major Christmas tree grower. Like many other Irish farms, Hatton Farm was really let down badly by the traditional banks following the financial crisis. Marina Hatton commented: “Fiduciam believed in us when the big banks were simply not there anymore. This farm has been in our family for three generations and it’s thanks to the Fiduciam loan that we can grow our business and secure our children’s future.” As a sign of gratitude, Hatton Farm offered Fiduciam one of its home-grown Christmas trees for the festive season. Two employees went over to chop down the tree and carry it home.
Financing a British developer in Mallorca
Fiduciam provided a bridging loan to a successful British entrepreneur who has been developing luxury property in Mallorca for over two decades. The bridging loan allowed him to extract equity out of a newly completed project whilst marketing the property to potential purchasers. The loan proceeds allow the British developer to finance three ongoing projects in Mallorca: the construction of a hotel and seven adjoining luxury villas, the construction of several rural cottages and the development of a further four detached houses. Although the developer has access to development finance from Spanish banks, they were unable to offer as favourable terms and as quickly as Fiduciam.
Financing a French Vineyard
Fiduciam provided working capital to a Luxembourg-owned vineyard in France. The vineyard produces a biodynamic wine, which is also available in the UK. The three-year commercial mortgage was structured as a multi-drawdown facility of €3m with an initial drawdown of €750,000. Fiduciam took a charge over the vineyard, but in addition it also took security over 77,422 bottles of wine and 2,631 hectolitres of wine in barrels. The loan was taken out by a Luxembourg company, principally owned by a high net worth individual from the United States. Fiduciam stood out as international lender, dealing with five jurisdictions: the borrower in Luxembourg, the vineyard in France, the guarantor in the US, a pledgor from Australia, and Fiduciam based in the UK.
Helping a popular venue to weather the Coronavirus lockdowns
Hospitality was amongst the most heavily impacted industries by the Coronavirus pandemic and the subsequent lockdowns. Drenagh Country Estate in Northern Ireland, a specialist wedding and conference venue, faced a year with little income due to the reduced size, postponement and cancellation of many events. Like many businesses, this left it with overheads mounting but no income. Fiduciam granted it a Coronavirus Business Interruption Loan Scheme (CBILS) commercial mortgage to substantially lower its financing costs during this difficult period. Fiduciam granted approximately £200 million in CBILS loans during the pandemic, making a significant and lasting difference to many UK SMEs.














