David Newman is Founder and CEO of Firenze, a Manchester-based fintech on a mission to democratise access to Lombard lending - an investment-backed credit product traditionally reserved for high-net-worth individuals. Backed by Outward VC through the British Business Bank’s Enterprise Capital Funds (ECF) programme, Firenze is enabling wealth managers to offer low-interest lending solutions to clients with facilities from £65,000, without moving custody or disrupting investment plans.