Meet the Team

Our team is dedicated to providing flexible, affordable funding for UK businesses.



Andrew Raphaely

Managing Director

After qualifying as a Chartered Accountant, Andrew worked in wealth advisory, asset management and hedge funds. He co-founded 365 Business Finance and serves as Managing Director. In his spare time, he enjoys hiking and skiing.


Raf Polatinsky

Head of Operations

After qualifying as a Chartered Accountant, Raf worked in Asset Management before joining 365 Business Finance in 2013 to run finance and operations. In his spare time, he enjoys football, cricket and travelling.

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Martin Kennington

Head of Marketing

With 14 years’ experience in marketing, including seven years in financial services, Martin leads the marketing team at 365 Business Finance.
In his free time he enjoys traveling (to warmer climes), cooking and tennis.


Gavin Holzman

Head of Strategy

Building a cohesive business function, Gavin brings a wealth of experience from various sectors including online casinos, digital marketing and project management. Gavin was a qualified Electrical Engineer in his ‘past life’. An avid cyclist, he’s often found circling Regents Park.

Customer Relationships Team

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Matt Sparrow

Sales Team Head

Matt joined 365 Business Finance in 2014, after graduating in Economics and Finance. Matt heads one of the sales teams at 365. Matt is an avid Arsenal fan, enjoys rugby and comedy clubs.


Nathan Stewart

Sales Team Head

After graduating, Nathan started his career working in Asset Management in Asia. He returned to London in 2014 to join 365 Business Finance and runs one of the sales teams. He enjoys running and countryside walks.


Stuart Dawson

Senior Funding Advisor

Originally from New Zealand, Stu has 11 years of sales experience, including the last three in financial services. In his spare time he enjoys his F45 training, rugby, supporting Chelsea Football Club, and music festivals.


Ramiel Lockett

Senior Funding Advisor

With 5 years’ experience in sales, including 4 years in financial services, Ramiel is currently a senior funding advisor in the sales team. In his spare time he enjoys watching Arsenal FC, playing sports and socialising with friends.


Alfie Frost

Funding Advisor

After graduating from Bournemouth University with a 2:1 in Business Management, Alfie set his sights on moving to London and pursuing a career in business finance. Originally from Hampshire, he is a passionate Southampton FC supporter!

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Matt Lopez

Funding Advisor

With 2 years’ experience in financial services, Matt is part of the sales team at 365 Business Finance. In his spare time he enjoys socialising with friends, attending sports events and jetting around the world.


Harry Hartnett

Funding Advisor

Harry has 3 years’ experience in customer focused sales roles, before joining the sales team at 365 Business Finance. In his spare time he enjoys travelling, golf and socialising with his friends.


Flutra Islami

Client Retention Manager

Three months after graduating with a Masters from The London School of Economics and Political Science In 2017, Flutra joined the 365 team. With 90% of our clients going on to renew their funding, Flutra is responsible for managing the smooth and efficient running of this funding process. In her spare time, Flutra enjoys home baking, dining out and exploring new places.

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