Do you know where to find creative trade finance options which help you and your clients grow? Do you lack the working capital capacity to innovate and differentiate?
Sanjay Vallabh
I’m Sanjay Vallabh, founder of Vallabh Associates Ltd. We’re a specialist commercial finance brokerage and advisors working with SMEs, mid-corporates, manufacturers, exporters and corporate finance advisors to tackle the challenges of funding growth, managing working capital, and structuring the right debt solutions.
Our role is to cut through complexity and show you what’s possible. Whether it’s trade finance, invoice discounting, asset-based lending or growth capital, we help identify the right options, structure facilities, and put the missing pieces together so you can move forward with clarity and confidence
No such word as can’t
Facing massive obstacles in life, people often told me ‘you can’t’. Instead, I fearlessly found a way through. Through light bulb moments I discovered what to do. Gaining an Economics degree, I spent 15 years in the Banking sector. Becoming CITA qualified and a full member of the Institute of Export, I worked my up from Branch Manager to senior director in various international roles. I invested 8 years learning everything there was to know about complex, global trade finance. I was promoted from senior manager to Corporate Trade Director at RBS, a role I held for four years.
Clients brought us their trade finance dilemmas, baffled by the jargon and worried about the risks of trading internationally. “Trapped cash in the supply chain”, “getting paid on time when exporting” “funding new contracts or projects” and “access to bridging the gap finance” were some of the fears keeping them up at night.
Let’s find a way
I resonated with their frustrations; instead of ‘you can’t’ I told them ‘we’ll find a way!’. Valued for my sympathetic, innovative and fearless approach to resolving seemingly impossible problems for delighted clients, colleagues continually passed them to me. ‘Here’s one for Sanjay!’ they’d say!
Achieving the art of the possible
Now operating independently as Vallabh Associates Ltd, we believe that in business and life, even the most difficult situations can be overcome. We customise your best fit solution, working with a whole range of finance providers. We are your trusted advisors. Our honest, dependable expertise helps you solve traditional trade finance problems in non-traditional ways.
Katie Heybourn
I am Katie Heybourn, and I am PA to the wonderful Sanjay Vallabh, Director of Vallabh Associates Ltd, where I play a pivotal role in the smooth running of daily operations, and oversee all aspects of invoicing.
With a background in administration and finance for the last 18 years, working for Vallabh Associates Limited coming up to 3 years now , I specialise in streamlining office workflows—supporting Sanjay with any research, organising meetings and travel, and managing essential communications. My keen eye for detail ensures that every invoice is accurately processed, sent promptly, and tracked seamlessly, and we strive to deliver high-quality trade and working capital solutions—while I ensure that internal operations run smoothly in the background.
Vallabh Associates Limited is a wonderful company to work for, and I am very proud to be part of the team here.
Outside of work I enjoy spending time with my family and friends, travelling the world as best I can and making meaningful memories that will last a lifetime.
Mikki Harris
I’m Mikki Harris, Fractional COO (Chief Operating Officer) at Vallabh Associates Limited, where I work closely with Sanjay and the team to ensure everything runs smoothly behind the scenes. My role is all about creating structure, driving efficiency, and providing the operational support that allows us to deliver exceptional trade and working capital solutions to our clients.
With a strong background in operations and business support, I’m passionate about streamlining processes, providing direction for day-to-day operations, and fostering a positive, collaborative working environment. Every detail matters to me, and I take pride in ensuring our clients and team experience the highest level of service and professionalism.
Outside of work, I love spending time with family and friends, discovering new places to walk (and eat!), and travelling abroad.
For more information please call 0116 430 0258