After years of working in asset finance for banks and others, Martin Mackenzie explains why he took the leap to set up Mackenzie Commercial Finance, and what that means for businesses across the Highlands.
Martin Mackenzie, Director of Mackenzie Commercial Finance

After years of working with business owners on asset finance, while always working for someone else or for a bank, I've finally taken the decision to do what every single one of my customers had already done, and become the owner of my own business.

What better way to properly understand and relate to what customers are going through, than being a business owner myself.

So, along with my wife and now business partner Alana Mackenzie, we've set up Mackenzie Commercial Finance Limited. A true Highlands based family business run by people from the area. We're based at 24 Longman Drive in Inverness which is perfectly placed to get out and visit customers across the North of Scotland and beyond.

Our Focus

MCF will have a strong focus on asset finance, and in particular equity release from existing business assets through refinance. That's always been the part of the job I've enjoyed most, and it's where I can best put my experience to work for other people.

120+ Lenders From Day One

Rather than work with a limited number of lenders, we wanted to offer as much of the market as possible. By becoming FCA approved Appointed Representatives of Crystal Business Finance Ltd, we can do exactly that, over 120 funders on the panel from day one. Credit to Dan Kay for making the introduction.

Get in Touch

So, if we've dealt with each other before, it would be great to catch up again and do further business together.

If you've had the same old broker taking you for granted and putting you with the same funder every time for the last 20 years, it's 100% time for a comparison check. Let's have a chat and see what else is out there next time round.

If you've never needed finance before, let's have a chat anyway and see what we can do.

And finally, if you're an accountant, solicitor, business adviser, equipment supplier, or a finance broker specialising in an area we don't cover, there may well be a way for us to work together for the benefit of mutual clients. I'd be delighted to hear from you.


Frequently asked questions

These answers are general information only. Any actual finance offer depends on a full proposal and credit underwriting by the lender, and is not case-specific.

Why did Martin Mackenzie set up Mackenzie Commercial Finance?

Martin Mackenzie founded Mackenzie Commercial Finance to combine over 20 years of commercial finance experience with the flexibility to serve Scottish businesses without the constraints of a large institution.

What makes Mackenzie Commercial Finance different from a bank?

As an independent broker, we are not tied to any single lender. We assess each case on its merits and approach the most suitable lender from our panel of over 120, including specialist and broker-only funders that a business could not access directly.

Is Mackenzie Commercial Finance regulated?

Yes. Mackenzie Commercial Finance Ltd is an Appointed Representative of Crystal Business Finance Ltd, which is authorised and regulated by the Financial Conduct Authority. Our FCA reference number is 1058283.

Where are you based and who do you serve?

We are based in Inverness and serve businesses across the whole of Scotland, from the Borders to Shetland.

This article contains the personal opinions and observations of the author, based on experience as a commercial finance broker. It is for general information only and does not constitute financial advice. Individual circumstances vary and any finance decision should be based on your own situation.

Martin Mackenzie
About the author
Martin Mackenzie
Director, Mackenzie Commercial Finance. Asset finance specialist with 20+ years in commercial banking and asset finance, including experience with Bank of Scotland and Close Brothers Asset Finance. Based in Inverness, working with businesses across Scotland.