Ant believes his primary objective as the Chief Executive of Saltare is to do his bit in making the lives of as many people as possible better. Achieved by reducing the stress and anxiety that can come with running a business through improved payment performance and ease of access to cash…on a global scale!
Ant has over 20 years experience in credit management and business finance and recognises the importance of cash to businesses. He’s held a number of executive level positions and has worked with thousands of businesses in numerous markets.
His two proudest business accomplishments to date are his role as CEO of Optimum Finance that supports many incredible businesses with their cash flow needs on a daily basis. Secondly the launch and delivery of Saltare, which he believes can change the way businesses transact for the better.
Ant treasures time spent with his family and has a personal goal of being a great Dad to his two beautiful daughters. He loves walking the dog and partaking in unusual activities e.g. skydiving, bungee jumping, coasteering, etc. He also once starred in a promotional video for a Welsh Goldmine at Comprehensive school.
Ant is passionate about all organisations and businesses in general and It never fails to amaze him how incredible businesses are. However, he is particularly passionate about SMEs, who account for a significant proportion of turnover and employment, which in turn returns wealth and wellbeing to any economy. After working with thousands of businesses throughout his career he has an acute awareness for the importance of cash. Businesses don’t fail because they aren’t profitable, they fail because they run out of cash. So, doing our part in improving cash management and unlocking cash trapped in unpaid invoices is incredibly important to him.
Chief Financial Officer
As CFO, Vicky’s key objective is to ensure that the company is financially healthy and to contribute to the success and growth through improvements to company structure, cash management and driving efficiencies throughout the business.
Vicky is a Chartered Accountant with over 18 years experience of working within the finance industry, 6 of those at Senior Leadership level. During her career she has gained broad experience across multiple sectors: manufacturing, distribution and financial services.
Vicky has a strong commercial focus and is proud of having helped to drive high growth within multiple SMEs during her career. Her previous experiences have challenged her to successfully work across complex group structures and multiple territories and has overseen several acquisitions.
Outside of work Vicky likes to swim, swim, swim and, if she can, she likes to fit in a bit more swimming!! She spends a large part of her weekends ferrying her two young children around from one club to another. She also likes to run a bit but describes herself very much as a fun runner.
Vicky is really proud to be a part of the team at Saltare and believes if you have a good team you can achieve anything and she fully believes in the team at Saltare. She is excited about the opportunity to impact and influence strategic decision making within the business.
Peter has 40 year’s experience of working within financial markets through both booms and busts, including seeing UK interest rates at 15%. He spent 25 years working for large enterprises before setting up his own business with friends at the age of 48. During his career, Peter has held Director roles in a variety of sectors including financial services, manufacturing and social media.
Peter is a proud husband, father and grandfather. And rigorous about at least one day a week of digital detox to spend time with the family. He’s an avid reader (60+ books a year) and a fan of Australian Aboriginal Art. He once tried hitchhiking in Patagonia but gave up after only 5 cars passed him in 48 hours, none of which stopped!
Peter understands that cash flow is critical. And knows from experience that even large or fast-growing companies can fail if they run out of cash as he once lost his job when a company that had been worth over £25bn a year earlier, became insolvent.
Peter believes that enterprises don’t have to choose between maximising profits and paying suppliers early. There are ways for them to achieve both, and we want to show them how through solutions from Saltare.
As Commercial Manager, Chris’s role is all about showing buyers how they can enable payments to be made to their suppliers in a mutually beneficial way.
After a career in hotel management and sales with Marriott, Chris embarked on a self-employment journey, advising on events, sales, and client retention tactics with SME businesses.
Chris is proud of how he successfully transitioned into self-employment, growing his business to £700k turnover. He has also achieved ILM Level 7 Coach and is NLP Accredited.
In his spare time, Chris enjoys all things health, fitness and mindfulness. And has completed various crazy events including an Ironman Triathlon, Ultra 130km run and Tough Mudder (you pay to get electrocuted!).
Having been a business owner facing into a need to meet payment obligations, he knows how it feels to wake up at 2am wondering if the buyer has processed the invoice. That causes stress, and many other social consequences. Saltare can change that, thereby making the world a better place.
Tracy is responsible for driving Saltare’s customer acquisition programme supporting major private sector organisations and local authorities, with a particular focus on Saltare’s first product launch, Early Pay.
Tracy comes from a background in Financial Services specialising in International and Trade finance. More recently, focused on Foreign Direct Inward Investment and Business Growth in the public sector. She also has experience of running her own business for 17 years alongside a full-time role.
Tracy is very proud of how she previously learned about a new trade platform, using the data to provide information for companies to have international market reports. She put this information into action by creating and organising Trade Missions to Chile, Argentina and New York and helped companies sell and grow their businesses in those countries.
Tracy loves to go to unusual countries and do unusual things i.e. climb mountains such as Snowdon, Kilimanjaro, Everest base camp, Tara Top (Nepal), Pic Bobby (Madagascar), through Jordan to Petra. Her personal goal is to get back to visiting places that aren’t spoilt by tourism.
Tracy is passionate about moving money down the supply chain, which can do wonderful things for business: to employ more people & grow, be more innovative, put money back into the economy and basically help them to be less anxious/worried about cash. Who would not want to be part of something that can make a difference!
As Commercial Manager, John’s key objective is to secure new business, and ultimately contribute to successfully growing and developing the Saltare business.
John joins us with 25+ years’ experience within the banking industry, that spanned across line management roles in Retail banking, client management roles in Commercial banking, and various strategic marketing roles within Head Office. His concluding role was as a Regional Manager in Receivables Finance, serving Lloyds’ top end SME clients and helping them manage their cashflow and plans for growth. John then made the move to a FinTech business, Sonovate, which sparked his passion for the industry.
John is especially proud of a time in his career where he had to restart his business after having to take 3 months unplanned leave. Despite this, he was one of only 8 nationally to be ahead of target at the end of Q1 and one of only three ahead at the end of H1. That experience and challenge taught him a lot about being self-sufficient and taking control of your own business development pipeline.
In his spare time John enjoys riding his E-bike, unfortunately, each attempt so far has ended in a crash! He also has a keen passion for photography.
John loves to help people, learning about them and their challenges, then helping find solutions. He believes that cash, and cashflow, is often one of the biggest problems for any business. So being involved with a solution that has the potential to help so many businesses, which in turn will help their employees, their communities and by extension the wider economy – in the current economic climate, he can’t think of a better place to be.
Chief Technology Officer
As CTO, Gordon’s role has a couple of key objectives: 1) To ensure that the experiences we deliver to our clients and customers are the best that they can be and 2) To ensure we stay ahead in a rapidly evolving business sector, delivering innovation to ensure that Saltare’s product offerings are the cream of the crop.
Gordon has held or managed pretty much every role in IT, from starting as a developer, through managing development, test and UX teams, through to being the single point of accountability on large scale programmes for Microsoft Volume Licensing at their HQ in the United States.
Whilst at Microsoft Gordon became known for turning around large, complex programmes that were struggling to launch. One of his proudest achievements was a V1 launch of a huge $50M programme to refresh the aging Volume Licensing infrastructure.
Gordon is a keen runner, although Saltare keeps him pretty busy right now!
Gordon is passionate about facilitating early payments, and believes they are a no brainer that can make a real difference to SMEs. He’s driven about making the process as simple as possible for users.
Jo’s primary objective as Marketing Director is to build awareness of the Saltare brand and its products and spread the message far and wide. Jo believes that we have a very compelling and exciting offering in our flagship product, Early Pay and Jo’s mission is to ensure that as many businesses as possible benefit from using it.
Jo has over 20 year’s experience in creative & branding roles, and has held Marketing positions for 15 of those in various industries including office furniture solutions, legal, and management consulting. She is passionate about brand and how important that is for creating a successful business.
Jo is extremely proud of being on the team at Saltare and having the opportunity to build the brand and contribute to supporting the business grow from the ground up. She’s found it to be a really exciting opportunity, being part of a start-up and seeing the brand and its products come to life.
Jo enjoys spending lots of time with her friends and family, especially her two daughters – who are kind, thoughtful and also super funny. With her family they enjoy going on lots of walks, especially along the beach, going to cinema and visiting National Trust places. To relax, Jo practices yoga and meditation. Jo is also a total foodie and enjoys both cooking at home and eating out.
Jo is passionate about helping drive the change from late payment conversations into one about early payments. Jo believes that most businesses are good and want to do the right thing, the introduction of Early Pay will support businesses to do that. It really is a no brainer; the solution supports and benefits both the buyer and supplier – delivering payments quite literally for a better world!
As NED, Philip’s role is to support the Board and management team to deliver a successful solution that effectively supports small businesses.
Philip has over 40 year’s experience of working in credit management, and a spell as Small Business Commissioner, which has helped him understand the importance of cashflow management, and the need for small businesses to be adequately supported with positive, practical solutions. He has held senior credit management roles in the high-tech and communication sectors, in distribution and retail. Most recently, he held the role of interim Small Business Commissioner through most of the Covid crisis, working with large and small businesses to achieve positive outcomes. Prior to that, he was Chief Executive of the Chartered Institute of Credit Management (CICM).
Philip authored the Managing Cashflow Guides for government, and was the architect of the Prompt Payment Code which the CICM administered on behalf of the Department for Business, Energy and Industrial Strategy (BEIS).
Philip loves spending time with his family, particularly his six grandsons, watching football as a Spurs season ticket holder, watching cricket, and enjoying his slightly niche interest in brass band music and contesting.
He knows only too well how crucial cash is to the survival of small businesses, and how crucial small businesses are to the economy. Having spent much of the last 15 years working with successive governments on the late payment agenda, he believes we now need to shift the conversation to the benefits of early payment. That’s why he’s so excited to be involved in the work of Saltare in delivering a simple, quick and flexible solution.