20261002 brandon with stump grinder in front of truck

BRANCHING OUT: BROADLEAF MIDLANDS TREE CARE EXPANDS INTO FENCING WITH STWLC SUPPORT

When Brandon King and Kimberley decided to diversify their family-run tree care business, they wanted to make a carefully planned investment that would create new opportunities without putting unnecessary financial pressure on the business.

Support from the Sir Thomas White Loan Charity (STWLC) helped make that possible, providing an interest-free business loan that enabled Broadleaf Midlands Tree Care to expand into fencing.

Based in Leicestershire, Broadleaf Midlands Tree Care provides professional tree care services to residential and commercial customers, including tree pruning and removals, hedge work, stump grinding, grounds maintenance and ongoing tree care.

Brandon, who is co-owner of the business, oversees operations, including team management, quoting, customer care, health and safety and day-to-day planning. Kimberley leads much of the administration, systems, marketing and business development, with the pair working closely together on the wider strategy for the business.

As the business continued to grow, they identified fencing as a natural opportunity to broaden the services they could offer their customers.

“We wanted to invest responsibly in the next stage of our business,” says Brandon. “The interest-free loan model stood out straight away as an incredibly valuable opportunity for local businesses looking to grow without taking on unnecessary financial pressure.”

The STWLC loan was used to fund formal fencing training and essential equipment, including fencing tools, a CAT scanner and cutting saw, alongside the operational updates required to deliver the new service safely and professionally.

The business followed the phased plan set out in its application, completing the training before introducing fencing to existing customers as part of a soft launch.

The results exceeded expectations.

Despite being introduced part-way through the year, the new fencing service generated more than £26,000 in its first year. It has provided Broadleaf Midlands Tree Care with an additional income stream, increased its capacity and created further opportunities to work with both existing and new customers.

For Brandon, the support provided by STWLC was about more than simply accessing finance.

“We found the whole process straightforward, well organised and supportive,” he says.

“Applying for finance can sometimes feel daunting, particularly as a small business, but the process was clear and manageable throughout.”

The interview with STWLC Trustees was also a positive experience, with Brandon able to explain his plans and how the funding would support the next stage of their business.

“The Trustees were welcoming, interested in our plans and clearly wanted to understand both the business and how the funding would make a difference,” Brandon says.

“Sarah was fantastic throughout – approachable, helpful and easy to communicate with. We felt supported rather than judged, which made a real difference.”

The successful introduction of fencing has given Broadleaf Midlands Tree Care another area in which to grow, while complementing the services it already provides.

Brandon believes the STWLC loan gave them the confidence and practical support to make the investment at the right time.

“The loan gave us the confidence and practical support to make a planned investment in the business at the right time,” he says. “It helped us broaden what we could offer, create a new income stream and support our wider growth.”

Having seen the impact of the funding first-hand, Brandon would encourage other local entrepreneurs and businesses to explore the support available through STWLC.

“It is a brilliant facility, and the combination of accessible funding and a genuinely supportive process makes it particularly valuable for businesses wanting to grow in a sensible, well-planned way.”

For more information on Broadleaf Midlands Tree Care, visit https://broadleaftreecare.co.uk/

To learn more about our interest-free business loans, please click here

kelly odell 01

HOW KELLY BUILT A BUSINESS AROUND HER PASSION FOR MAKEUP

When Kelly Odell decided to take the leap from freelance makeup artist to studio owner, she knew she was taking a risk. Five years on, KO STUDIO is firmly established on Friday Street in Leicester, with Kelly continuing to develop the business and explore new opportunities.

Support from the Sir Thomas White Loan Charity has played an important part in that growth. Kelly first received a £5,000 business grant to help establish her studio before later securing an interest-free business loan, giving her the flexibility to invest in new ideas and develop one of the business’s bestselling products.

But Kelly’s career in makeup began long before she opened KO STUDIO. Originally from Braunstone, Leicester, she spent five years working in retail before becoming a mum at 22. When she later had the opportunity to return to college, she was unsure what career path to take until she discovered makeup.

“I was not even sure what I wanted to do, but then I came across the category of makeup and that is when I started studying,” she explains.

It quickly became clear that Kelly had found something she enjoyed.

“I realised that I liked it, I was good at it, I got the passion and I worked into it.”

Kelly went on to complete a number of qualifications, including Level 3 and Level 4 makeup courses, artistic makeup and special effects, before progressing onto a Level 6 Creative Industries course.

She graduated with first-class honours while also gaining work experience and building a client base.

“When I actually graduated, I was looking to take the plunge and do it as my only career choice. That is where my makeup journey began.”

Kelly initially worked from home as a freelance makeup artist, using a small room for makeup trials with brides and travelling to clients for much of her work.

Then, in 2021, an opportunity came along to take on a studio space in Leicester.

“I had always done everything myself. I thought, you know, take the risk and do it.”

Kelly took the opportunity and has been based on Friday Street ever since, developing the business into KO STUDIO.

The business has continued to evolve, with Kelly now moving from being solely a freelance makeup artist towards becoming a business owner, brand and studio operator with assistants.

It was around the time she took on the studio that Kelly discovered STWLC.

Kelly heard about STWLC through Barrie Stephen, after seeing him share information about the Charity’s funding.

She initially received a £5,000 business grant, which helped her make several important investments in her new studio.

The funding contributed towards external signage, a new computer, an extractor fan to support health and safety, a safety doorbell and CCTV.

“When I applied for the grant and they approved it, I was absolutely buzzing and amazed,” says Kelly.

“It helped pay for the sign outside. It was all kind of luxury big items that I would not have been able to afford.”

After receiving the grant, Kelly later went on to apply for an STWLC business loan.

Initially, she planned to use the funding to expand into facial treatments, investing in training and equipment and exploring becoming a registered training provider.

However, as her plans developed, she decided to take her business in a different direction.

One of KO STUDIO’s best-selling products is its costumes, and Kelly saw an opportunity to invest further in this side of the business.

She used around £3,500 of her loan to purchase specialist material from China in a custom colour for her popular Grinch costumes.

It was a new experience for Kelly, who had never previously made an overseas purchase of this scale.

“I had never done anything like that before, buying from abroad,” she says.

The investment proved successful, with the costumes becoming an important source of income for the business.

“It saved the year really. It ended up selling really well.”

The new product line also helped provide an alternative source of income when makeup work dipped.

“Makeup is having a bit of a shift in the industry. People are going a bit more natural and they have learned to do it themselves, so work dipped a bit, but the fur was my best seller.”

For Kelly, being able to change direction and invest in a different opportunity was an important part of having access to the loan.

“The fur was a good little change of plans which I would not have done without the loan.”

As well as the financial support, Kelly has valued the relationship she has built with STWLC.

Having always managed the business herself, she says she appreciated the friendly and supportive approach of the Charity and the regular check-ins as her business developed.

“I just felt welcome,” she says.

“Whenever they have done the checking in, face-to-face or online, to see how I am doing, I just think it has been really nice and supportive.”

For Kelly, the support has helped give her the confidence to take risks and continue developing KO STUDIO.

“I do feel like it helped me take risks that I would not have done without it,” she says.

“It was nice actually having money there. There was a bit of security that was helping when income did go a bit low.”

Kelly believes STWLC has played an important part in the development of her business and is now happy to recommend the Charity to other entrepreneurs.

“I have told other people about the Charity, and they have applied for the grant and it helped them a lot.”

She has also recommended the Charity’s interest-free business loans to someone with a new business idea.

“I think it is really good how it is 0% interest. That’s unheard of and is such a benefit when borrowing money.”

From starting out as a freelance makeup artist to establishing her own studio and developing new income streams, Kelly continues to build KO STUDIO – with the support of STWLC helping her take the next steps along the way.

For more on KO STUDIO, head over to www.ko-llective.co.uk

To apply for STWLC’s interest-free business loan, please click here

Q3

£353,500 APPROVED TO SUPPORT LOCAL BUSINESSES AND POSTGRADUATE STUDENTS

The Sir Thomas White Loan Charity (STWLC) has approved £353,500 in interest-free loans during its latest application round, supporting local businesses and postgraduate students across Leicestershire and Rutland.

A total of 23 loans were approved, with funding allocated to help people develop their businesses and pursue further education.

20 business loans totalling £323,500 were approved to support a variety of local enterprises, including roofing services, a lash technician, physiotherapy and an espresso bar.

Meanwhile, three education loans totalling £30,000 were approved to support postgraduate study across a range of courses, including an MA Theatre Costume and MSc Sports Engineering.

This latest allocation, combined with amounts from earlier rounds this year, means that STWLC has approved a massive £796,100 in interest-free loans in 2026 so far.

Lucy Womack, Chair of STWLC, said: “We’re delighted to continue supporting ambitious people across Leicestershire and Rutland with our interest-free loans.

“These latest approvals will help a wide range of individuals develop their businesses and pursue their postgraduate studies, and we’re pleased to be able to play a part in helping them achieve their ambitions.

“We look forward to seeing the impact these recipients will go on to make in their businesses, careers and local communities.”

Established in 1542, STWLC hosts quarterly application windows each year in which people aged over 18 and under 45 can apply for unique interest-free loans of up to £20,000 to aid local businesses, or £10,000 to support students wishing to return to postgraduate education. The Charity’s loans are interest-free for nine years and become repayable by equal instalments after three years.

Application packs are available to download upon completion of a contact form on our website.

The next deadline for applications is 3:30pm on Thursday 1 October 2026.

Sean Smith

FROM DATA TO DIRECTION: THE STORY OF INFOSMITH

When Séan Smith founded INFOSMITH in 2020, he brought with him years of experience across a variety of industries and organisations. What began as a vision to help businesses make better use of their data has grown into a specialist consultancy focused on delivering practical, trusted data solutions.

Reflecting on his early career, Séan explains:

“I’ve always lived in Leicestershire, being educated locally and continuing the trend doing a Physics and Astrophysics Degree at Nottingham Trent University. After leaving university I worked for Leicester County Council, Severn Trent Water, HCC Tokyo Marine (insurance), Carphone Warehouse, and Capital One. In 2020, I started INFOSMITH after taking VR from Capital One, and building up the business while working at Global Payments and GFK Marketing on short term contracts.”

Those experiences across the public sector, utilities, insurance, retail and finance gave Séan a unique perspective on the challenges organisations face when managing data effectively. It was this insight that ultimately led to the creation of INFOSMITH.

Today, INFOSMITH helps organisations transform the way they work with information and data. Rather than simply implementing technology, the business takes a strategic approach, helping clients understand their data, streamline processes and make more informed decisions.

As Séan describes:

“INFOSMITH is a data strategy solutions consultancy, meaning we add value to the data strategies of businesses no matter their size, helping them spend less time in Excel spreadsheets. We have developed a methodology for looking at data holistically, allowing us to understand our clients’ requirements and restrictions, advising, leading and installing solutions that build trust in their data and robustness in their processes.”

Like many entrepreneurs, Séan recognised the importance of accessing the right support at the right time. His introduction to The Sir Thomas White Loan Charity came through a local business support programme.

“It was the Loughborough University Incubator programme, Martin Hageman came and gave a very thorough and informative presentation on what was available.”

After learning more about the Charity’s interest-free business loans, Séan decided to apply. Throughout the process, he found the support offered by the team invaluable.

“Sarah Hope and Martin went above and beyond and were very helpful in preparing me for what was expected.”

The funding has provided INFOSMITH with the flexibility to invest strategically as the business continues to grow and develop new services.

“We are still making use of the funds gradually, but so far we have allocated use of the loan for market investigations, advertising costs, new equipment for development of the new services, and legal fees for partnership agreements and increased insurance.”

These investments are helping to strengthen the foundations of the business, enabling Séan to explore new opportunities while ensuring the company remains well-equipped for future growth.

Looking back on the support he received, Séan is clear about the role The Sir Thomas White Loan Charity has played in his entrepreneurial journey.

“I was very pleased to seed the loan, and have told others (where eligible) to look into applying.”

For more information about our interest-free business loans, available up to £20,000, please click here

To read more on INFOSMITH, head over to their website here.

Manes Mix 01

THE PERFECT MIX: LEWIS HUNTER’S MANES MIXOLOGY STORY

Sometimes the best business ideas come from bringing together different passions.

For Lewis Hunter, that meant combining creativity, craftsmanship and a love of hospitality to create Manes Mixology, a premium mobile cocktail bar serving weddings, corporate events and private celebrations across the East Midlands. With support from The Sir Thomas White Loan Charity, Lewis has turned an ambitious idea into a growing business that’s already attracting repeat bookings and earning the highest possible Food Hygiene Rating.

But the journey didn’t begin with cocktails.

After completing a degree and Master’s in Fine Art, Lewis began exhibiting his work, only to realise the industry wasn’t the right fit.

“I became quite disenchanted with it,” he explains. “It wasn’t really about the skill as much as it was about selling yourself. I realised it just wasn’t me.”

Stepping away from a long-held ambition wasn’t easy, but it opened the door to new opportunities.

Alongside university, Lewis had worked in hospitality, developing a love for creating memorable customer experiences. After graduating, he joined a bespoke kitchen manufacturer, where he progressed into management and learnt valuable skills in planning, efficiency and leadership.

Rather than seeing these experiences as separate, Lewis realised they could all come together. His artistic background would shape the brand, his practical skills would help him build the business, and his hospitality experience would ensure exceptional customer service.

“That made me realise there might be a way to bring together all the things I enjoy.”

With that, the idea for Manes Mixology was born.

Lewis bought a horse trailer and stripped it back to its frame before rebuilding it into a bespoke mobile cocktail bar.

It was a major project, with much of the work completed by Lewis himself.

“Every job I was doing, I was having to learn from scratch.”

As rewarding as it was, the renovation was taking time, until a colleague recommended The Sir Thomas White Loan Charity.

His colleague’s brother had previously received a grant to launch a mobile pizza business, and Lewis decided to explore whether the Charity could help him too.

After completing a business start-up course through Loughborough College, Lewis felt confident tackling the application.

“The guidance video was really helpful, and because I’d recently completed a business course, the financial planning was still fresh in my mind.”

Lewis found both the application and interview process far more supportive than he expected.

He even completed his interview remotely while working in Los Angeles, waking at four o’clock in the morning to join the panel.

“It wasn’t a grilling. Everyone was really friendly. I never felt intimidated.”

The loan enabled Lewis to complete the specialist conversion of the trailer and officially launch Manes Mixology.

The business quickly secured its first paid booking, providing a drinks reception for Davidsons Homes at a corporate event in Rothley.

“It went really well,” says Lewis. “They’ve already booked us again.”

Another milestone soon followed when the business received the highest possible 5 Food Hygiene Rating following its first inspection by the Food Standards Agency – an important achievement for any new hospitality business.

For Lewis, the Charity’s support hasn’t stopped with the funding.

“It’s more than just the loan,” he says. “They’ve supported the little successes we’ve had, shared them on social media, invited us to events and genuinely want us to succeed.”

“I feel connected with the Charity. It feels like they’re invested in our journey.”

Lewis would encourage anyone serious about starting a business to consider applying.

“The application process shows that you’re serious about your business. If you’re committed, I don’t think you’ll find a better opportunity.”

From aspiring artist to business owner, Lewis’ journey shows how different experiences can come together to create something unique.

For more information on Manes Mixology, you can visit their website or Facebook / Instagram channels.

To find out more about our Interest-Free Business Loans, available up to £20,000, please click here

alex boam

CRAFTING A FUTURE: HOW STWLC HELPED BCA FURNITURE LTD GROW

For Alex Boam, who co-founded BCA Furniture Ltd with his brother Chris, craftsmanship has always been at the heart of his career.

Based in Barwell, the company combines the brothers’ passion for creating high-quality bespoke furniture with a commitment to delivering one-off furniture and interior solutions for niche, high-end clients. Every piece is individually designed and crafted to meet each client’s specific requirements, creating spaces that are as distinctive as the people who commission them.

Alex comes from a practical background, having always preferred working with his hands over following a more academic route.

He studied Higher Education and earned a degree in Furniture Design and Make at OCVC in Oxford through De Montfort University. Following this, Alex gained experience working within the furniture industry, including roles as a machinist for a large-scale bespoke kitchen company, and as a cabinet maker.

These experiences helped Alex develop the skills and knowledge required to co-found his furniture-making business.

“We provide a niche to high-end clients, making bespoke and one-off pieces of furniture/interiors,” explains Alex.

As the business developed, Alex and Chris needed to invest in specialist equipment to help create work to the quality standards their clients expect.

Alex first found out about The Sir Thomas White Loan Charity through a family friend who had used the Charity to help fund higher education.

After applying for support, Alex found the process straightforward and well managed.

“Everything was very straightforward with the process not feeling like it dragged out, yet still felt considered,” says Alex.

The loan from STWLC helped contribute towards machinery and set-up costs after moving into an empty workspace.

The funding supported the purchase of essential equipment, including a panel saw, thickness sander, planer, and CNC router.

“These main large machines are vital for producing work to a quality our clients expect,” says Alex.

“Specifically, our panel saw and CNC router are vital for fast, accurate and repeatable work, saving us valuable time.”

Although the cost of the machinery was higher than the loan amount received, the funding provided valuable support in helping to purchase the best equipment possible for the needs of the business.

Before applying to STWLC, Alex explored other loan options but found that the Charity offered something different.

“We did explore other loan options, however the Charity seemed a lot more personal and friendlier, as well as the fact the loans are interest-free and have delayed repayment terms.

“We have wanted to recommend to people in similar positions, however so far we’ve been unable to because of their location. We would not hesitate to recommend the Charity to anyone looking in Leicestershire.”

With the help of The Sir Thomas White Loan Charity, Alex and Chris have been able to invest in the machinery and equipment needed to grow BCA Furniture Ltd and continue producing high-quality bespoke furniture.

Through a combination of traditional craftsmanship, specialist skills, and modern technology, the business continues to create unique pieces for clients who value quality and individuality.

To find out more about our interest-free business loans, available up to £20,000, please click here

£225,100

£225,100 BOOST FOR LOCAL BUSINESSES AND POSTGRADUATE STUDENTS ACROSS LEICESTERSHIRE AND RUTLAND

The Sir Thomas White Loan Charity (STWLC) has approved £225,100 in interest-free loans during the second quarter of 2026, supporting both local businesses and postgraduate students across Leicestershire and Rutland.

A total of 18 loans were approved during the quarter, with funding allocated to help people develop their businesses and pursue further education.

Eight education loans totalling £80,000 were approved to support postgraduate study across a range of courses, including a Master of Laws (LLM), MA Philosophy and MSc Physician Associate programme.

Meanwhile, 10 business loans totalling £145,100 were approved to support a variety of local enterprises, including an interior design business, audiology practice and early years education provider.

Lucy Womack, Chair of STWLC, said: “We’re really pleased to keep supporting ambitious people across Leicestershire and Rutland with our interest-free loans.

“With this latest round, we’ve now approved a total of £437,600 so far in 2026, reflecting just how many ambitious, creative and committed individuals there are across the county seeking to develop their ideas and careers.

“We’re excited to see the difference these recipients will go on to make in their industries and local communities over the coming years.”

Established in 1542, STWLC hosts quarterly application windows each year in which people aged over 18 and under 45 can apply for unique interest-free loans of up to £20,000 to aid local businesses, or £10,000 to support students wishing to return to postgraduate education. The Charity’s loans are interest-free for nine years and become repayable by equal instalments after three years.

Application packs are available to download upon completion of a contact form on our website.

The next deadline for applications is 3:30pm on Wednesday 1 July 2026.

[Pictures Copyrighted to Beth Walsh Photography- www.bethwalsh.co.uk]
1284 Ltd photos 2025

RAPID GROWTH FOR 1284 AFTER LOAN SUPPORTS STRATEGIC MARKETING CAMPAIGN

When George Oliver left journalism in July 2020, his plan was to create a corporate communications consultancy specialising in East Midlands innovation.

The result was 1284 Communications – originally based at Loughborough University Science and Enterprise Park – being founded to respond to the then Government’s Levelling Up agenda, the long-time strategic need to drive UK productivity.

“I got interested in the growth benefits of innovation, increased productivity, and change while I was at the Leicester Mercury,” says George, who edited the paper from 2016 and led its move to digital-first publishing.

“When I started my own company, I wanted to use the skills gained from 15 years in news media to promote regional innovation and its benefits for social entrepreneurs, start-ups, SMEs and wide economic growth.”

1284 received a £15,000 business loan from The Sir Thomas White Loan Charity in April 2023. It was used to develop a new CRM, for website updates, launch of a newsletter, print collateral, trade shows, industry accreditations, targeted sponsorship, and other strategic marketing activity.

Despite being founded in the early months of the COVID-19 pandemic, 1284 grew quickly, building a strong portfolio of clients including universities, local authorities, SMEs, start-ups, and the Leicester and Leicestershire Enterprise Partnership (LLEP).

Following this early success, the business began to scale. Amy Orton joined as Account Director in 2023, marking the first phase of team expansion. The company’s first apprentice, Lauren Cropper, joined in July 2024. 1284 now employs five people and six associates.

The most recent arrival is former university journalism lecturer Emma Oliver, who was appointed as Content Editor in October 2025 to reinforce 1284’s newsroom-led approach to communications and content creation.

In August 2024, 1284 left the Loughborough University incubator, moving into nearby scale-up space at the Advanced Technology Innovation Centre (ATIC). It positioned the business at the heart of its target market of East Midlands regional innovation.

Ongoing business growth has been matched by industry recognition. In 2026, 1284 was named CIPR Midlands Small PR Agency of the Year, alongside award wins for its work in AI-driven communications – underlining its reputation for combining innovation with measurable impact. It was also shortlisted for the CIPR’s UK Small PR Consultancy of the Year.

1284 celebrate at the 2026 CIPR Midlands Awards 1284 celebrate at the 2026 CIPR Midlands Awards

Alongside an expanding client portfolio, 1284 has continued to develop new products and services, including its Innovate UK-funded CommsTally® platform, which is designed to improve transparency and measurement in PR and went live in April 2026.

Meanwhile, 1284 made the unusual step in its industry of working for ISO 9001 accreditation. It was awarded the internationally-recognised standard for quality management systems in 2025. Only a handful of PR agencies hold ISO 9001, demonstrating 1284’s commitment to consistent, high-quality delivery, robust internal processes and continuous improvement. 

For clients, ISO 9001 – as well as 1284’s status as a Crown Commercial Supplier – provides added assurance that their campaigns meet clearly defined standards, with a strong focus on accountability, efficiency and measurable outcomes – particularly important when delivering complex, multi-stakeholder communications programmes.

1284 works with B2B, G2B and B2G clients to find lear ways to tell often complex stories. Examples include:

• increasing public awareness of Government-funded programmes

• contextualising organisational restructures

• engaging with diverse groups of stakeholders

• chairing multi-agency comms groups

• setting out the benefits of investment.

The work of 1284 Communications is underpinned by strong engagement with regional growth and support organisations, reflecting a wider commitment to the East Midlands’ economic and social development.

George continues to voluntarily play an active role across this ecosystem. As well as being a Non-Executive Director at East Midlands Chamber, he is  Entrepreneur-in-Residence at the University of Leicester. He serves as Chair of Charity Link, the £1.7m turnover nonprofit which supports vulnerable people in crisis across the region.

These roles ensure 1284 remains closely connected to the challenges and opportunities facing businesses and communities, informing its approach to communications, policy engagement and impact-led storytelling.

As the business continues to grow, its core mission remains to champion regional innovation, translate complex ideas into compelling stories, and help organisations demonstrate real impact.

For more information about 1284, visit www.1284.co.uk, email info@1284.co.uk, or sign up for its monthly newsletter.

To find out more about The Sir Thomas White Loan Charity’s interest-free business loans, which are available up to the value of £20,000, interest-free for nine years, please click here

Founder Photo A - square

FROM RECOVERY TO REINVENTION: THE STORY OF SE-LF

For David Allerton, founder of SE-LF, the path to entrepreneurship was anything but conventional. Having spent much of his career working within the beauty industry, he had developed a strong understanding of the sector, but the decision to launch his own business did not come from a traditional ambition to start a company. Instead, it emerged from a deeply personal experience that would ultimately shape both the purpose and direction of the brand.

“I’ve spent a most of my career working within the beauty industry but my path to becoming an entrepreneur was definitely not a traditional one. My leap from working for businesses to creating my own actually started when I was at rock bottom. During the pandemic I went through a severe mental health crisis and survived a suicide attempt. During the long recovery process that followed, my therapist gave me an analogy that stuck with me. They described my mind as a shaken bottle of coke. The constant pressures around me had been shaking it up and when the cap finally came off, the inevitable happened and it exploded. To stop that from happening again I was told I needed to find small regular moments to open up the cap, metaphorically, gently and continuously releasing that pressure. For me that became my practical definition of self-care.”

“My leap from working for businesses to creating my own actually started when I was at rock bottom.”

In the months that followed, David focused on rebuilding and finding ways to incorporate those “small regular moments” into his daily life. Like many people exploring self-care, he experimented with a range of practices, but struggled to find something that could be sustained consistently alongside the demands of everyday life. It was a simple, everyday moment that ultimately provided the breakthrough.

“I gave everything a go, from things like meditation, to breathwork, to journaling. They are all great but they’d always drop out of my routine within a few weeks. The lightbulb moment happened one day in the shower. I realised that skincare is the perfect vehicle to habit stack the mindfulness practices onto. It is naturally ritualistic and sensory, and most importantly it’s an action already built into everyone’s everyday life. Having spent my career in the beauty industry, I saw how this daily routine could help people carve out those restorative moments. That became the foundation of the brand.”

That realisation became the starting point for SE-LF, a brand built around the idea of embedding wellbeing into existing routines rather than adding additional pressures or expectations. Drawing on his industry experience, David began to shape a business that would not only support mental wellbeing, but also address wider challenges within the beauty sector itself.

“The business is called SE-LF. The name is pronounced “self” and the hyphen is there as a literal reminder to actively make space for your mental wellbeing. We manufacture premium vegan naturally derived skincare specifically for the luxury B2B spa and hotel market.

“But our real innovation and what makes us entirely unique is our operational model. The beauty industry is completely addicted to plastic. The UK spa sector alone gets through over a quarter of a million disposable plastic tubs and jerrycans every single year just for back of house bulk. I couldn’t justify creating a product designed to help the mind while actively trashing the planet. So, I built a completely circular logistics system. We supply our massage oils, body washes, muds and more in robust reusable metal containers. We deliver them to our clients and collect them when they are empty; professionally cleaning, sterilising and refiling them, over and over again. It completely eliminates single use plastic from the supply chain and helps premium hotels hit their stringent environmental targets without compromising on luxury.”

While the concept was clear, bringing it to life presented a significant challenge. With no existing blueprint for a circular model within the beauty industry, David needed both technical development and financial support to move from idea to reality – particularly at the crucial early stage of building a minimum viable product.

“I found out about The Sir Thomas White Loan Charity when I was trying to figure out how to fund getting from concept into MVP stage. Because no other beauty brand was offering a reusable solution, there was no industry blueprint to follow. I was working closely with the Loughborough University Incubator to refine my operations and get the business off the ground. The Sir Thomas White Loan Charity came highly recommended through that local Leicestershire business network. They were pointed out to me as an incredible resource for founders in the region who are trying to get through difficult financial barriers at that crucial early stage.”

Applying for funding can often feel impersonal and process-driven, but David’s experience with STWLC stood out for a different reason, offering a more human and supportive approach at a critical moment in the business journey.

“The whole process was incredibly refreshing. When you are applying for start-up funding, you often feel like you are just a number on a spreadsheet or you are jumping through endless corporate hoops. But the interview process with STWLC felt very different and much more personal. The Trustees genuinely listened to my story. They took the time to understand the massive environmental problem I was trying to solve and they saw the vision for the circular economy model I was building. Sarah Hope was absolutely brilliant to deal with throughout the entire process. She was supportive, clear and communicative. She made what is usually a very stressful and daunting financial process feel human and accessible.”

With the support of an interest-free loan, SE-LF was able to take its first major step forward, moving beyond concept and into market testing, which proved essential in refining both the product and the operational model.

“The funding was used to fund the first wave of products into the market. It meant I was able to test the concept at scale and quickly develop and refine the offering. It covered everything from raw ingredients, packaging, logistics and equipment.”

“STWLC gave me the financial foundation I needed to actually build the processes, create the products, start building a customer base and prove that the business model worked.”

This early investment played a vital role in transforming SE-LF from an idea into a functioning business, enabling David to build the necessary infrastructure, develop products, and begin establishing a customer base within a highly competitive sector.

“The Charity has played an absolutely vital role in the SE-LF journey. Without that specific injection of capital right at the beginning, our circular model would probably still just be an idea on a piece of paper. STWLC gave me the financial foundation I needed to actually build the processes, create the products, start building a customer base and prove that the business model worked. I would absolutely recommend them to any local founder.”

For more information on SE-LF and to view their range of products, visit www.se-lf.co.uk

To read more about our Interest-Free Business Loans, available up to £20,000, please click here

Krishan 02

A PERSONAL APPROACH TO PROPERTY: KRISHAN MORJARIA’S JOURNEY

Krishan Morjaria didn’t set out to build a career in property, but over time, what started as an unexpected first job turned into a clear ambition to do things differently. Now based in Leicester, he runs his own bespoke estate agency, offering a more personal, high-quality service shaped by years of experience across the industry, with early support from The Sir Thomas White Loan Charity helping him take that leap.

“I was a drama student at university and fell into Estate Agency when I graduated at 22,” Krishan began.

“I had moved from company to company, gaining more responsibility in each job role until at 28, I had covered every aspect of Estate Agency. I knew it was time to explore opening my own business.”

That early decision to enter the industry became the foundation for everything that followed. Starting out in lettings and property management, Krishan built a broad and practical understanding of how the sector works from the ground up.

“I have been in Estate Agency since the day I graduated from university. I started in Lettings and Property Management, which led to me opening my own Letting Agency. I then transitioned into Residential Sales, which I have been covering ever since, allowing me to explore every aspect of the industry.”

Having grown up in Knighton and now living in Wigston, his work has always been closely tied to the local area. That connection, combined with his experience, shaped the kind of business he wanted to create – one that puts people and service at its centre.

“STWLC genuinely changed my life. It really did. I’m so, so grateful to them for giving me the funds to be able to really change the trajectory of my life.”

“I am a personal estate agent, your one point of contact when you’re thinking of selling your property. I cover every step of this process whilst offering a five-star service and the best marketing to make sure each home is marketed to the highest of specifications.”

Rather than following the traditional estate agency model, Krishan set out to offer something more tailored, where clients deal with one person from start to finish, and where attention to detail isn’t lost in volume.

Like many starting out on their own, one of the biggest challenges wasn’t just building the business, but managing the gap before income begins to come in. It was through a personal recommendation that he discovered STWLC and the unique Interest-Free Business Loans available.

“A friend of mine is a professional photographer and had set up his business the year before me with the help of STWLC, and he introduced me to Sarah Hope.”

What followed wasn’t just a funding application, but a process that pushed him to properly define and understand his business.

“The application and interview process really set me up for success, it forced me to look into my business plan and understand what I was taking on. Sarah was amazing – the Trustees on the interview were challenging but again, offered me a great learning experience.”

With the loan secured, Krishan was able to focus on building solid foundations during those critical early months.

“The loan was put towards general set-up costs. A sale takes, on average, four months to go through, so I knew I wasn’t going to have any money coming in for that time. I bought a monitor, a printer, I had leaflets designed and printed. I also had to cover general membership costs for estate agency such as anti-money laundering memberships, data protection memberships, indemnity policies and more.”

That initial support gave Krishan the breathing space to establish the business properly, without having to compromise on quality or rush the process.

Looking back, the Charity’s impact is something he doesn’t understate.

“STWLC genuinely changed my life. It really did. I’m so, so grateful to them for giving me the funds to be able to really change the trajectory of my life. If you genuinely believe you’ve got the foundations of a successful business, please reach out to them, it may change your life like it did with mine.”

For more information on Krishan’s services, visit krishan-morjaria.agreed.co.uk or connect with him on LinkedIn or Instagram.

To apply for our Interest-Free Business Loan, available up to the value of £20,000, please click here