About our senior staff

Michael Hird

Principal and Founder 

Michael is a seasoned financial specialist, who comes from a background that combines building engineering, project management, commercial finance and residential mortgages.

Previously to creating Step-Up Finance more than two decades ago, he worked as Senior Development Engineer for a leading UK building components manufacturer and Executive Structural Engineer for a building products manufacturer and contractor.

His quantitative and qualitative knowledge is integrated into the mix of financial understanding to contribute significant support for business owners.


Doesn’t like wasting money


Doesn’t like wasting time

Coffees drunk today

Time allowance

The essence of which is getting the job done right

Innovative Ideas

Our thinking caps come in various shapes and sizes


We have an unrelenting focus on delivering results


Clear Communication

We pride ourselves on transparency and clear communication

Recent Blog Posts

Recent thoughts and opinions from Step-Up Finance’s leadership team

How It Works – HMO Property

A house in multiple occupation (HMO) is, in simple terms, a property rented out to at least 3 people who are not from one ‘household’ (a single household with members of the same family), but share facilities like the bathroom and kitchen. It’s sometimes called a `house share’. Gov.UK   A HMO is considered small [...]

Vital Signs For Finance And Business

I’ll hold my hands up – I’ve ‘signed’ Agreements without reading the small print. Foolish? Yes. Have I got caught out? Not thus far (insert grimacing Emoji) I am referring to the myriad of ‘I Agree’ website check-boxes with their enclosed small print the length of a holiday book beach read. Not dissimilar to financial [...]

Rate Hikes at The Ready?

There was no surprise whilst reading, in the latest BoE Agents’ Report, that ‘credit availability for Corporates was generally accommodative’. However, ‘some evidence of increased discrimination in lending decisions in a toughening macroeconomic environment’ had me rubbing my chin, questioningly. Not for the smaller business or individual, but, for the giants of business since 2007, [...]

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