top of page
Richard Grainger in consultation with a client about business financing
Gradient overlay

Commercial finance expertise with a human touch

Your trusted partner for all kinds of business borrowing

Free, no-obligation consultation

No upfront fees

Access funds within 24 hours

25 years' finance experience

Access to 100+ lenders

World-class experience in banking and finance

Clear Idea Finance is a fast-growing commercial finance advisory and brokerage business based in Ipswich, Suffolk. With decades of world-class experience in banking and finance, Clear Idea will help you find the finance you need to fund your business or next project.


We advise on all commercial finance products, including acquisition financing, commercial mortgages, buy-to-let and property development funding, bridging finance, business loans, CBILS and recovery loans, asset and invoice financing, the list goes on.

Clear Idea Finance head office at Saracens House Ipswich
Glass Buildings

Client testimonial

Quote symbol

“I use Clear Idea for all my business finance needs. They are experts in their field and a pleasure to work with.”

– Mike G, Company Director, Ipswich

Richard Grainger, Director of Clear Idea Finance

Meet the team

Richard Grainger – Director

Richard has more than 25 years’ experience in banking and finance. He began his banking career in the mid-1990s with Credit Suisse in New York and London. There he spent three years learning the ropes of commercial finance and lending.


He then spent 12 years with Barclays Bank in London and Hong Kong, where he became Director and Head of Financial Institutions within the bank’s investment banking division. In that role, he was responsible for raising large amounts of debt finance for the bank’s clients, and advising them on balance sheet and capital management.

Despite all the globe-trotting, Richard is an East Anglian boy at heart, having grown up in Essex and Suffolk. He started planning Clear Idea Finance in 2019 and the company began operating in 2020. Richard is passionate about helping business owners, entrepreneurs and property investors and developers to find the finance they need to achieve their goals.


Richard went to Ipswich School (a very long time ago) and has MA and BA (Hons) degrees in Economics from the University of Cambridge. 

Ipswich School rugby players wearing shirts sponsored by Clear Idea Finance
Rectangle gradient

Proud Sponsors of Ipswich School Rugby!

We're big rugby fans here at Clear Idea so when Ipswich School invited us to become their new corporate partner and kit sponsor, they didn't have to 'try' very hard to convince us. If the 1st XV play half as well as the new shirts look, we're in for a cracking season!

Accreditations & Affiliations

FIBA logo
FSB member logo
Member of Suffolk Chamber of Commerce logo
Cambridge University logo
Ipswich School logo

How can we help your business?

If you're not sure which type of finance would best suit your needs, simply hit the 'Enquire now' button, fill out the form and we'll be in touch.

bottom of page