PCF Group Plc

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Market Cap:
£66.84 m
26.71 GBX
52 weeks high
52 weeks low

Simple banking at your service

In December 2016, we were authorised as a bank. This is supported by more than 25 years of solid growth, both organic and through acquisition. With a finance portfolio of over £350 million, and 20,000 customers, you can rest assured that our professional and personable service has been thoroughly tested.

We offer not only the services on which PCF Bank was built, but an equally competitive range of savings products for our customers. Developing into a bank has made us more competitive and flexible, allowing us to better serve our existing customers, and also to attract more new customers who can benefit from our simple, personal, approach to finance.

Independent and innovative

At PCF Bank, simplicity is more than just a buzzword – It is a tangible benefit that we seek to deliver. One of the ways in which we achieve this is through our independence. It enables us to have short lines of communication, so that we can make quick decisions. Another important way in which we differentiate ourselves from other providers is through innovation: in particular, the development of our own internet-based proposals system, eQuote, and our internet-based application process for savings customers. These systems allow us to process applications for finance and savings accounts with new levels of speed and efficiency.

Experts you can rely on

We think that customer focus is easy to define: employing the best people, to deliver the best service, for each of our customers on an individual basis. As a result, our highly skilled and experienced underwriters evaluate all applications for finance on a case-by-case basis, rather than simply relying on credit scorecards. Like everyone who works at PCF Bank, their main objective is to offer a service that is professional and personal, forging lasting relationships with our customers that benefit everyone involved.



Established in 1994, PCF Bank has helped more than 70,000 customers with the finance of their vehicles, plant & equipment. Our success in this area is based on two propositions: that finance should be simple, and that a high level of customer service is part of the product. Following our transformation into a bank, we bring those same principles into the savings market, where we offer a range of competitive products and a truly outstanding service.

For information on Personal Finance, please click here

For information on Business Finance, please click here

Tim Franklin

Non-executive Chairman

Tim has extensive experience in the financial services industry having worked for over 30 years in retail banking and in the building society sector. Tim served as a non-executive director of the Post Office for over 7 years until December 2019. He remains Chairman of Post Office Insurance. Additionally he is a non-executive director of Computershare Loan Services. Tim is an Institute of Leadership & Management Level 7 Coach and works extensively with senior executives across many industries, both in the UK and internationally. In addition he is an Associate of the Chartered Institute of Bankers.


Christine Higgins

Independent non-executive Director

Christine is a chartered accountant with over 25 years' experience in asset finance, for UK and international banks. Over the last 9 years, she has served as non-executive director on a number of boards in the health, housing, leisure and finance sectors, including as chair of the audit committee. She is currently a non-executive director of Buckinghamshire Building Society and chairs its audit committee. Christine is the Chair of the Audit & Risk Committee and a member of the Nomination Committee and the Remuneration Committee.


David Morgan

Non-executive Director

David has over 35 years' experience in international banking, building his career at Standard Chartered Bank in Europe and the Far East. Since leaving Standard Chartered in 2003, he has been involved in a range of business advisory and non-executive roles. He is currently a non-executive director of Somers Limited, Bermuda Commercial Bank Limited and Waverton Investment Management Limited. He is also Chairman of Harlequin FC, the Premiership rugby club. David is a member of the Audit & Risk Committee, the Nomination Committee and the Remuneration Committee.


David Titmuss

Independent non-executive Director

David has over 25 years’ experience in both large and small financial services organisations, with a particular emphasis on customer acquisition and database management. His corporate background includes working at a senior level in public and privately backed businesses. He has also led companies both as CEO and as a board director. Latterly, David headed the marketing function of webuyanycar.com and is recognised as an expert in digital marketing and advising businesses on cost-effective customer acquisition. David is the Chairman of the Nomination Committee and the Remuneration Committee.


Mark Brown

Non-executive Director

Mark was Chairman of Stockdale Securities from November 2014 until it was bought by Shore Capital in April 2019. He was previously Chief Executive of Collins Stewart Hawkpoint and brings a wealth of experience and leadership in both small and large financial services business. Having worked as Global Head of Research for ABN AMRO and HSBC and as Chief Executive of ABN’s UK equities business, Mark led the successful turnaround of Arbuthnot Securities followed by Collins Stewart Hawkpoint. Mark is a member of the Nomination Committee and the Remuneration Committee.


Marian Martin

Non-Executive Director

Marian Martin is a chartered accountant with a background in risk management and audit. Most recently, Marian was at Virgin Money for 11 years and was Chief Risk Officer throughout a period of significant growth and strategic development of Virgin Money and its risk function, including the successful listing of Virgin Money on the London Stock Exchange. Marian was an Executive Director of the main trading companies of the Virgin Money group during this period. In addition, Marian is a non-executive director at Castle Trust and Starling Bank. Marian is a member of the Audit & Risk Committee, the Nomination Committee and the Remuneration Committee.


Scott Maybury

Chief Executive

Scott holds a degree in business studies and is a qualified accountant. He spent 6 years with BHP-Billiton, Australia’s largest multi-national corporation and 5 years with McDonnell Douglas Bank. He is one of the founding directors of PCF Group plc and was previously Finance Director until October 2008.


David Bull

Finance Director

David holds a first-class degree in Mathematics and Statistics and is a qualified chartered accountant. After qualifying in 1996, he has worked in the banking sector across a number of institutions, including KPMG, Deutsche Bank and was interim Chief Financial Accountant at the Bank of England. Before joining PCF Group, David was a Director of Finance and Company Secretary at Hampshire Trust Bank plc, a specialist challenger bank, where he was instrumental in setting up their banking operations.


Robert Murray

Managing Director

Robert holds the ACIB Banking Diploma and has over 40 years' banking and finance experience. He has extensive experience in lending to personal, corporate and International customers. He is one of the founding directors of PCF Group plc.

Pinners Hall

105-108 Old Broad Street



020 7222 2426

Nominated Adviser & Broker

Panmure Gordon (UK) Limited

One New Change

London EC4M 9AF


Joint Broker

Shore Capital Limited

Cassini House

57 St James's Street

London SW1A 1LD

Nominated Adviser & Broker

Panmure Gordon (UK) Limited

One New Change

London EC4M 9AF