R&M began in 2013 as a sole trader practice — born not from a business plan, but from a genuine recognition that smaller businesses, fintechs, and growth enterprises were consistently underserved by the advisory market. The early mandates were hands-on and varied: pre-launch advisory for My Community Bank, one of the UK's pioneer digital banking initiatives, alongside standalone financial analysis and business planning engagements for clients who needed senior thinking but not large firm fees.
A decade of client work, accumulated expertise, and a growing network of specialist collaborators led to the formal incorporation of R&M Business Consultants Limited as a London-registered private limited company in 2023 — giving the practice the structure, credibility, and capacity to take on more substantial and complex mandates across a wider range of sectors and geographies.
Today the practice is led by a Managing Consultant with over 30 years of senior international banking experience, supported by a trusted network of Partner and specialist consultants engaged on a project basis. We operate lean and senior by design — every engagement is handled at principal level, without the overhead or knowledge dilution that comes with larger firms.
Our clients range from startups taking their first steps, to fintechs navigating licensing and scale, to established businesses facing restructuring, to financial institutions requiring independent risk and governance advisory. What they all share is a need for advice that is commercially grounded, practically delivered, and genuinely senior.