During a varied career, David has gained a broad and well rounded view of general business practices, as well as the problems and challenges that businesses face.

He began his career by completing a traditional engineering apprenticeship with a world leading textile machinery manufacturer in Bolton. Two years after completing his apprenticeship he became self employed supplying skilled labour to various engineering concerns. He went on aged 26, to form his own company operating a general machine shop, building and repairing ancillary equipment for the paper manufacturing industry.

Having completed 18 years in engineering, David took up a new challenge and became a self employed sales/advisor with leading Financial service provider Allied Dunbar. Here he built a thriving practice with private and business clients, whilst also recruiting and training new advisors; eventually opening his own branch office and attaining senior branch manager status.

In 2002 he changed his career once more and joined, what was then, Ratcliffe & Co as a self employed consultant advising individuals and businesses on finance and insolvency procedures. He has worked extensively, building and training the advisor teams in the consumer and commercial insolvency departments of the group becoming a director of Unique Business Finance Ltd in February 2009. tel 0800 0851706; 07817 958036; 0844 453 7020

At unique business finance, our seasoned staff provide a wealth of knowledge and understanding of personal, business and corporate insolvency procedures. We are passionate about providing the highest standards of service and advice to individuals and businesses at all stages of financial development.

Our core expertise is business rescue and recovery, but due to our involvement in this field, we can call on many years experience in helping with financial and operational matters in most industry sectors. As a result, we are able to offer a wide range of practical ways to help resolve any financial issues which any business may face.

Consequently, we endeavour to be a one stop shop for the general financial needs of business. We are able to provide many services within our group; otherwise, through our network of professional contacts, we are well placed to introduce the most appropriate provider of any required service.


Insolvency: business rescue, individual voluntary arrangement, company voluntary arrangement, company liquidation, administration, bankruptcy, debt advice.
Business finance: new start finance, mortgages, remortgages, factoring, invoice discounting, asset financing, management buy out finance, receivables funding


  • unique business finance

    2009 - Current
  • UBF Group of companies

    Various sales management roles
    2002 - 2009
  • Allied Dunbar - Zurich

    from advisor to Senior Manager
    1984 - 2002
  • Various - Engineering

    from Apprentice to MD
    1966 - 1984
  • unique business finance ltd

    - Current
    unique business finance ltd


FPC 1,2,3; CeMAP

Interests and Hobbies

Playing guitar, music, DIY & anything mechanical, F1

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