Who They Are

Incorporated in June 2016, Reto has quickly established itself as the leading independent specialist lender in the Channel Islands.

Reto addresses an underserved Channel Islands population, excluded from mainland lending products, and has quickly become recognised for its first-class service proposition and agility in the market as a result of its local governance structure.

Reto’s product offering is tailored for the demographics on the island, serving both consumers and SMEs with a secured and unsecured offering. The personalised underwriting approach enables Reto to serve the whole population and direct borrowers to the most appropriate and low-cost lending solutions, which aids conversion metrics and creates repeat business.

The business is led by founder and CEO Adam Dawson, who has over 13 years experience lending into the Channel Islands, including leading Close Brother’s Channel Islands’ business, and a further 10 years as a management consultant operating across all areas of financial services. Adam is supported by an experienced and efficient senior management team, who between them surpass 150 years in financial services.

Quilam supported management with an MBO in November 2019 from UK challenger bank, Shawbrook. Since separating from bank ownership, the business has maintained best-in-class governance and demonstrated the ability to increase profitability of the division, as well as meeting all key financial targets of the MBO business plan.