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Financial Experts
Ask Cathryn Hayes Cathryn Hayes - HSBC

Cathryn is HSBC Bank’s head of franchising. She previously held a number of managerial appointments within the bank, including several years as a branch manager, gaining a depth of experience in lending to businesses. She is an Associate of the Chartered Institute of Bankers.

Regarded as the most experienced banker in the UK franchise sector, Cathryn has a high profile within the franchise industry, acting as a judge on the prestigious HSBC British Franchise Association (bfa) Franchisor and Franchisee of the Year awards which the bank sponsor. She previously served as the bfa’s elected affiliate representative, looking after the interests of the professional membership, and taking a seat on the bfa board. She also served on the bfa’s Governance & Finance commission. Cathryn contributes regular articles to the franchise press and other business media and has presented numerous seminars at franchise exhibitions, bfa events and conferences, and franchise and business events.

HSBC has had a dedicated franchise unit for over 25 years and the team work closely with the bfa and its members to support ethical franchising.


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Ask Richard Holden Richard Holden - Lloyds TSB
Richard Holden is Head of Franchising for Lloyds TSB. He has 23 years banking experience and has supported a wide range of businesses in the small business sector for many years. He is responsible for providing support to the Lloyds TSB Business Managers, assisting them in assessing proposals from prospective franchisees. He is also responsible for ensuring that the network of local business managers has up to date information on the franchise systems operating within the United Kingdom.
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Legal Experts
Ask David Bigmore David Bigmore - David Bigmore & Co
David Bigmore is the founder of David Bigmore & Co, Solicitors, based in the North West and the City of London. The firm is recognised as one of the leading legal firms in the UK specialising in Franchise Law. David was also awarded "Sole Practitioner of the Year" (in all categories of law) at the prestigious Welsh Law Awards in November 2004. David qualified in 1972 and has been a Franchise lawyer since 1986. He founded the firm in 1992 having formerly been the Head of the Corporate and Commercial department of a medium-sized firm in the City of London.
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