Annual General Meeting 2025

4pm - 18th November 2025

Welcome

NACFB Mutual AGM 2025

Thank you for engaging with the NACFB Mutual’s 2025 Annual General Meeting. The Mutual AGM is your opportunity to reflect on progress, look ahead, and most importantly, have your say in shaping the future of your PI cover.

Having your say couldn’t be easier

Only Members who hold active PI cover through the NACFB Mutual are eligible to vote, and we’ve made the process as simple as possible. There are two easy ways to take part:

  • Cast your vote by proxy right here today – Use the form to the right; it takes less than 30 seconds to complete. Supporting detail on each of the resolutions can be found below to help inform your decision
  • Register to attend the live proceedings – You can also join us virtually on the day via the button below. During the event, you’ll hear from the NACFB Mutual team and be invited to cast your votes directly through this page.

There are two AGMs taking place on the same day. This page is specifically for the NACFB Mutual AGM. If you are also a full Member of the NACFB, please remember to cast your vote separately in the NACFB AGM via its dedicated page.

Your vote matters

Further detail behind each of this year’s proposed resolutions

Ordinary Resolutions

Resolution 1 

THAT Jim Higginbotham be ratified as a Director of the Mutual. His initial term to be set at two years.

Resolution 2

THAT Tom Perkins be ratified as a Director of the Mutual subject to FCA approval. His initial term to be set at two years.

Resolution 3

THAT Evette Orams be ratified as a Director of the Mutual subject to FCA approval. Her initial term to be set at two years.

Resolution 4

THAT UHY be appointed as Auditors of the Mutual and that their remuneration be determined by the Directors.

2025 Director appointments

This year’s MUTUAL AGM resolutions include a proposal to approve three new directors. Below are brief biographies of each individual to help inform your vote.

Jim Higginbotham, CEO – NACFB

Jim Higginbotham joined the NACFB as Chief Executive Officer in October 2024, bringing with him more than 30 years of commercial finance expertise. Prior to this role, he served as Group CEO at STAR Asset Finance, where he oversaw transformative growth, centralised operations, and strengthened risk management. His senior leadership positions at Lombard, Barclays, and GE Capital have provided him with a broad and deep industry perspective. At the NACFB, Jim is focused on strengthening support for Members and Patrons while championing professionalism and high standards across the UK’s commercial finance sector.

Tom Perkins, Director & Co-Founder – Charles & Dean

Tom Perkins is a highly regarded leader in the finance industry with over a decade of experience at the helm of Charles & Dean, a prominent finance brokerage he co-founded. Known for his innovative approach, Tom has transformed Charles & Dean into a multi-disciplinary, customer-centric brokerage, supporting over 6,000 clients. He is a passionate advocate for best practices in the finance sector, regularly sharing his insights at major industry events like the NACFB’s Commercial Finance Expo and Asset Finance Connect. As a non-executive director for NACFB, Tom brings a strategic vision, focused on bridging the needs of brokers and funders. His expertise includes leveraging technology, fostering partnerships, and driving educational initiatives that benefit the NACFB’s Members. Tom’s commitment to excellence, transparency, and ethical standards reflects his dedication to strengthening the finance industry and ensuring meaningful, sustainable impact for brokers and small businesses alike.

Evette Orams, Managing Director – Hilton-Baird Financial Solutions

Evette Orams is the managing director of Hilton-Baird Financial Solutions, a multi-award-winning commercial finance brokerage specialising in invoice finance. With an extensive background in the sector, she has successfully grown the brokerage, building strong partnerships with invoice and asset financiers. Her strategic leadership, operational excellence, and focus on mentoring high-performing teams have distinguished Hilton-Baird as a trusted industry leader. Evette’s expertise in structuring deals, managing risk, and nurturing relationships allows her to deliver exceptional value to clients and stakeholders. Actively involved in promoting industry standards, she collaborates with UK Finance on training initiatives, advancing best practices and compliance. As a non-executive director for NACFB, Evette’s collaborative leadership style and in-depth industry insights position her to make a meaningful impact, supporting the Association’s mission to enhance standards and champion sustainable growth within the commercial finance sector.

Casting your vote

All eligible Mutual Members have the option to cast their votes in advance of the AGM through a proxy mechanism, with proxy ballots available to be submitted up to noon on Monday 17th November 2025. Voting will then reopen during the live-streamed event to allow Members to participate in session.

The NACFB’s interim Chair, will act as proxy and will cast any assigned votes on behalf of absentee Members on the day of the AGM.

Voting form

Fields marked with ‘*’ are required.

    Ordinary Resolution
    ForAgainstAbstain

    Ordinary Resolutions
    ForAgainstAbstain

    ForAgainstAbstain

    Ordinary Resolution
    ForAgainstAbstain

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    Rewatch the NACFB Mutual AGM 2024

    Download the NACFB Mutual AGM 2024 brochure

    The NACFB Mutual’s 2024 Annual General Meeting took place at 3:00pm on Thursday 12th December, where all proposed resolutions were approved by a majority vote.

    Download

    Register to attend

    The 2025 Annual General Meeting of the Company will be virtually live streamed from 4pm on Tuesday 18th November 2025. All eligible Mutual Members are invited to attend the virtual AGM by registering for the live event using the button below.

    Register for live Mutual AGM 2025

    NACFB Mutual Annual Finance Report

    The NACFB Mutual Limited’s Annual Report and Financial Statements for the year ended 31st December 2024 can be accessed online here.