MEET THE TEAM
Lucy Perry
Asset Finance Support
Who Lucy is
Lucy runs the part of the process that happens after the funding is agreed and before the asset arrives, which is the part most people underestimate. Documents, checks, invoices, timings and the handful of small things that quietly hold a deal up if nobody's watching them. It isn't glamorous work, and it's the reason deals complete on the date everyone agreed rather than a fortnight later.
How Lucy works
Lucy works backwards from the date you need the asset. If a machine has to be on site on the fourteenth, she knows what needs signing and by when, and she'll chase it rather than wait for it to appear. Most delays in asset finance are administrative rather than financial, and they're avoidable when someone is paying attention.
She'll also tell you where things are without being asked. A short message to say the funder has what it needs, or that one document is still to come, takes away most of the uncertainty that makes arranging finance feel worse than it is. Clients tend to notice the absence of chasing more than anything else.
When something does go wrong, and occasionally it does, she'll say so early. A funder changing what it needs halfway through, or a supplier invoice arriving with the wrong details on it, is far easier to sort out on the day it happens than in the week the asset was due.
What Lucy can help with
Lucy supports every product the firm arranges, from the first enquiry through to the money landing. If you're not sure who to speak to, start with her.
- Vehicle & asset finance, coordinating invoices, inspections and delivery timings
- Refinance, where proof of ownership and valuations need gathering
- Commercial loans, and the documentation funders ask to see
- VAT & corporation tax funding, which is usually against a deadline
- Invoice finance, and the ledger information funders need to see
- New enquiries, which she picks up first
IN LUCY'S OWN WORDS
"Most of the stress in arranging finance comes from not knowing where you are. That part is entirely fixable, and it's my job to fix it."
Why people come back
Clients rarely remember who prepared their paperwork. They do remember whether the process felt controlled or chaotic, and that impression usually decides whether they come back to arrange the next one.
The businesses Coastal works with are busy running something else. A deal that completes without needing to be chased, and without three requests for the same document, is worth more to them than it sounds. It's why a good deal of Lucy's work now comes from people who have been through it once already.
She's usually the first person a returning client speaks to, and often the one they ask for by name. For a firm this size, that continuity does more than any amount of process documentation would.
LET'S TALK
Talk it through with Lucy
If you have a live deal and want to know where it stands, or you're just starting out and not sure what to ask for, Lucy is the one to call.
