People who've been on the other side of the desk
Qualified Chartered Accountants who actively invest in and develop property ourselves, so you get independent analysis, not a lender’s sales pitch played back to you.
Kiran Patel
Kiran’s background spans audit, in-house accounting, and hands-on property investing before co-founding Venture Finance alongside Joanne. Together, he and Joanne have built their own portfolio from the ground up, learning first-hand how the right finance — structured properly, not just approved quickly — can be used to build genuine freedom rather than just another asset on a spreadsheet.
That combination gives Kiran a rare vantage point on a deal: he is as comfortable interrogating a set of accounts as he is assessing a scheme’s viability on the ground.
He shares real lessons from both sides of the table: as an investor building his own portfolio, and as a debt capital consultant helping clients build theirs.
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Joanne Patel
Joanne brings an accountant’s eye to every deal that crosses her desk. With decades of accountancy experience behind her, she co-founded Venture Finance to bridge a gap she saw constantly in her own clients’ teams: consultants who understood lending, but not the numbers underneath it.
Alongside running Venture Finance, Joanne and Kiran have built their own property portfolio, using finance deliberately and strategically to structure the life they wanted. That first-hand experience (the decisions, the trade-offs, the lessons learned building something of their own) shapes every client conversation.
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