About us

In the new world of peer-to-peer property lending, experience counts.

Invest & Fund's story

We are a peer-to-peer marketplace helping individuals, high net worth lenders, private banks, family offices and institutions achieve attractive, risk-adjusted returns from residential development projects.

Invest & Fund was founded in November 2012 by David Turner, a former city trader with 30+ years’ experience and Mark Hawkins, a financial chartered accountant with 35 years’ accounting and directorship experience. Like a lot of good businesses, we started with a problem to solve: how to make it easy and rewarding for individuals and institutions to lend to businesses looking for alternative sources of finance.

David and Mark recruited Chief Technology Officer Stephen Kenny, a veteran of successful technology start-ups such as Betfair and The Property Investment Market. In July 2014, we successfully facilitated our first loan through investandfund.com.


As the business grew, we received an increasing number of enquiries from residential property developers looking to finance new projects. Loans for this sector were also attracting the greatest interest from lenders. As a result, in August 2015 we switched to focus exclusively on the residential development and bridging finance market. We appointed a Board with substantial experience in senior banking, wealth management, property lending and peer-to-peer finance and introduced our Credit Assessment Group, a team of credit experts with deep experience in property development and credit risk assessment.

Today we are a team of 25+ led by David and Mark, Chairman Robert Burgess and Non-Executive Directors Mark Kibblewhite and Brian Lynch.

We are committed to building the UK’s most trusted peer-to-peer marketplace, helping individuals, high net worth lenders, private banks, family offices and institutions achieve attractive, risk-adjusted returns from successful residential development projects.


The team

Robert Burgess


A PLC Main Board Director (FTSE 100/250), Robert has extensive ExCo experience working in Group Executive positions with Lloyds Banking Group, as CEO of Alliance Trust, Co-founder of Exchange Associates and NED for OakNorth Bank.

Mark Kibblewhite

Non-Executive Director

Mark has worked in financial services for 30+ years, largely with Barclays where he was MD of Barclays Wealth and Barclays Capital, developed the UK private bank franchise and ran the Investment Banking UK arm. He is an active P2P and real estate investor.

Brian Lynch

Non-Executive Director

Brian holds a Masters in Engineering and Computer Sciences from Oxford University and was formerly Global Head of Sterling Data at RBS, MD of Non-Euro Delta and Head of Flow Rates at Nomura. He is an active P2P investor.

David Turner

Chief Executive Officer and Co-Founder

David co-founded Invest & Fund after a 30-year career as a trader in the City of London, working for various financial institutions including Tullett Prebon and RBS. David has a clear vision for how the business can capture the growing peer-to-peer opportunity.

Mark Hawkins

Chief Financial Officer and Co-Founder

Mark is an FCA qualified chartered accountant and has more than 30 years’ experience in a range of Financial Directorship roles. He co-founded Invest & Fund with David to help businesses and lenders tap into alternative sources of finance.

Paul Pashley

Operations Director

Paul is a highly-experienced financial services executive with experience across senior operations, risk and compliance roles. He has held Executive and Director level roles for Barclays, Woolwich and Nationwide and is an FSA approved person.

Stephen Kenny

Chief Technology Officer

Stephen is an experienced CTO and CEO skilled at working with successful high growth, technology-driven businesses. He is the former CTO of Betfair and founder of the UK’s first peer-to-peer investment network.

Gary Trueman

Head of Borrower Origination

Gary brings more than 35 years’ commercial banking experience to Invest & Fund. His leadership, technical skills and credit risk expertise helps ensure the team delivers compelling lending opportunities that work for borrowers, brokers and lenders.

Bill Lindsay

Head of Credit Risk

Bill leads the I&F Credit Assessment Group (CAG), a team of credit experts who work closely with our internal Credit Team to provide independent opinion and approval on all lending opportunities. Bill is a career banker with 40+ years’ experience.

Steve Jupp

Credit Assessment

Steve brings more than 35 years’ credit and corporate banking experience to our Credit Assessment Group. He was formerly the Head of Property Credit at Barclays and worked in various consultancy roles for the Bank of England, Bank of Ireland and CIT.

Richard Payne

Credit Assessment

Richard worked for Barclays for 40 years, specialising in property and construction-related lending for more than 20 years. He brings a vast amount of specialist and bespoke lending experience to our Credit Assessment Group.

Bhavna Toase

Senior Credit Manager

A structured property finance specialist with 15+ years’ experience, Bhavna heads up the internal Credit Team, working alongside the BDM and Credit Assessment Group to identify, analyse and manage credit risk on all lending opportunities.

Jay King

Credit Manager

Jay was previously on the Barclays Corporate Graduate Scheme where he worked as an Assistant Relationship Manager for the UK's largest Professional Services firms and as a Credit Analyst in the Property Credit Team. He joined in 2015, adding to the firm’s depth of credit expertise.

Annabel Allen

Compliance Manager

Annabel has 12+ years compliance experience, gained at UBS, JP Morgan and in various compliance consultancy roles. She holds the CISI Diploma in Investment Compliance and the Legal Practice Course.

Nathan Turton

Web and Software Developer

Nathan is primarily focused on creating the best possible online experience for Invest & Fund lenders and borrowers. Nathan holds a BSc (Hons) in Internet Computing from the University of Brighton.

Max Barraclough

Software Developer

Max is an avid technologist, working on Invest & Fund’s software infrastructure and applications to enhance the user experience of our lenders and borrowers. Max holds an MEng in Computer Science from the University of Southampton.

Marcus Sheridan

Technical Support

Marcus joined in 2017 and supports the business by maintaining the various IT systems in use across the business. He is extremely tech-savvy with a logical and straightforward mindset as befits a former engineer.

Adam Barrett

Head of Institutional Lending

Adam brings more than 30 years’ experience and expertise in banking and financial markets to Invest & Fund, having held MD roles with Lloyds Banking Group, Goldman Sachs, UBS and Barclays Capital. Adam is responsible for building I&F’s institutional lender network.

Matt Holland

Head of Marketing

Matt was formerly Head of Brand and Communication for one of Australia’s largest retail wealth managers and Head of Group Brand for Octopus, a fast-growing UK investment manager. He joined the business in February 2017.

Patrick Ogrigri

Lender Relationship Executive

Patrick joined in 2018 to focus on the growth and management of our individual and high net worth lender base. Patrick worked for Pepper Money as a BDM for their residential and Buy-to-Let mortgage lending and HSBC as Premier Relationship Manager.

Tracy Aldred

Business Development Manager

Tracy has operated her own broking business and worked in lending and business development roles throughout her career. She is based in the Midlands and works with brokers and developers across England and Wales.

Colin Ness

Business Development Manager

Colin has more than 20 years' property experience gained at HSBC, Nationwide, Natwest and Santander. He joins Invest & Fund from his more recent position as Relationship Director with NatWest and with responsibility for the South West region of England.

Paul King

Business Development Manager

Paul is a highly experienced property finance specialist, and brings an enormous amount of real estate development finance and credit risk expertise to the team.

Paul Allen

Business Development Manager

Formerly with alternative lender ESF Capital and Santander, Paul joined Invest & Fund in 2018 to originate loans and build the I&F brand across the North-West region of England.

Helen Cocker

Operations Manager

Helen has 30+ years’ experience in financial, commercial and not-for-profit sectors, helping businesses establish effective processes and procedures to grow efficiently and deliver quality customer experiences.

Mary Miller

Loan Administrator

Mary brings 30+ years’ experience in banking and finance roles to Invest & Fund. Previously at NatWest, Arbuthnot Commercial Finance and Bibby Financial Services, Mary now specialises in business administration and customer service.

Rachel Hunt

Loan Administrator

Rachel has 20+ years’ experience in administration roles for information, publishing and finance businesses. Rachel is skilled at building strong relationships and delivering a high quality, customer-focused service.

Lisa Gray

Loan Administrator

Lisa joined Invest & Fund in 2017 after working in the re-mortgage department of a conveyancing and property law firm. Lisa is a talented administrator with a clear focus on delivering outstanding customer service.

Carol Smoothy

Loan Administrator

Before joining Invest & Fund, Carol worked at NatWest Bank for 25 years, looking after high net worth customers. She has also worked as an estate agent in France and an office manager at an Edinburgh-based finance company.

Victoria Collins

Recruitment Officer

Victoria co-ordinates our recruitment process, bringing a professional and enthusiastic welcome to candidates. She has held a number of senior positions within corporate finance, sales and recruitment.

Boma Hart

Recruitment Officer

Boma has a genuine passion for people and sourcing the industry’s best talent. She is skilled at managing the end to end recruitment process and helping to build a positive, productive working environment.

Andrea Dennis

Office Manager

Andrea has 17+ years’ experience in senior administrative roles. She has great organisation skills and ensures the office and team operate in a smooth and efficient manner.

Borrow with us

Experienced residential property developer? We’d love to hear from you

  • Residential development and bridging finance specialists
  • Loan sizes from £150k-£5m+
  • Sensible rates, flexible terms, deep credit structuring expertise
Talk to us

Lend with us

See every loan, read expert credit assessments, fund all or part of a loan

  • Targeting returns from 7.75% to 10% p.a. on residential development and bridging loans
  • Full loan documentation, credit reports, third party monitoring
  • Register easily, see everything, start lending
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Lenders' capital is at risk

Introduce us

Broker or intermediary? Big or small, we’re ready to help.

  • 100% focus on residential bridging and development
  • Significant credit structuring and property expertise
  • Competitive introducer fees and full application support team
Talk to us