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Our 
Story

Founded in February 2024, Constructive Asset Finance is a whole of market commercial finance brokerage based out of Preston & Blackpool, Lancashire, serving businesses all over the UK.

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The business exists to support enterprises of all size to build and grow with the aim of becoming a trusted partner for the long term. Our ethos is to act with integrity and professionalism whilst being committed to supporting our customer's needs.

Andy Thrower - Managing Director

The Team

In February 2024, following on from gathering over 16 years experience working in the asset finance market, Andy founded Constructive Asset Finance. His belief is that the availability & appropriate structuring of finance is a key enabler of growth for businesses of all sizes that most don't have access to. Constructive Asset Finance was established to provide that access by finding the right solution to make business assets work for their business. By taking a whole market approach to finding the best matched funding solution, businesses from start-up, through SME and to corporate size can be supported to build and grow.

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After graduating from the University of Manchester with a BSC Hons in Management, Andy started out his working life at Enterprise Rent-A-Car where he quickly became a branch manager, overseeing a rental fleet of 250 vehicles and 12 members of staff. From there, the journey into finance began, taking a position at Lombard, the asset finance arm of Natwest Group where he developed his skills and supported customers from micro-SMEs to listed corporates. After 10 successful years with the bank, he moved into the wider broking market as a Relationship Director for White Oak and latterly as Sales Director for MAF Finance Group. During this time, Andy has supported businesses with over £400m of funding delivered through asset finance, invoice finance, project finance and commercial loans whilst developing a strong professional network with other trusted advisors.

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Constructive Asset Finance Ltd

Constructive Asset Finance Ltd is an Appointed Representative of Alfred Vaughan & Co Limited trading as Vaughans.  Alfred Vaughan & Co Limited trading as Vaughans is authorised and regulated by the Financial Conduct Authority, FRN 966356. Alfred Vaughan & Co Limited trading as Vaughans is an authorised credit broker and not a lender.  We work with a panel of lenders whose particulars will be supplied upon request to find a potentially suitable arrangement for your consideration. 

Constructive Asset Finance Ltd ICO registration number is ZB579553 and you can check via www.ico.org.uk.

Constructive Asset Finance Ltd is registered at Unit 2 Olympic Court Whitehills Business Park, Boardmans Way, Blackpool, FY4 5GU. Company Register number is 14996682.

Whichever lender we introduce you to we will receive commission from. Different lenders pay different amounts based on different commission models and interest amounts. For transparency we only work with commission models based on a percentage of the amount you borrow and/or a percentage of the facility service fees charged by the lender.  The percentage can vary depending on factors such as the size of the loan advance and/or complexity of your requirements. We will sometimes receive fees separately from you; for the avoidance of doubt, these sums would be confirmed in Our Terms of Business Agreement which, if applicable, will be issued to you for your review and execution prior to proceeding. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey. Further details of the commission model, calculation and amount will be disclosed to you throughout your customer journey.

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