John Fox

John has been involved in Finance for over 30 years. He has worked for a global banking institution for over 27 years advising business clients on financial structure and supporting their growth ambitions. With an academic background gained at renowned institutions such as MIT and Oxford and with an MBA qualification John has a network of banks and equity investors that can provide financial support to his clients.



Liquidity Financial, March 2015 – Present, Texas USA

Joint venture partner with Liquidity Financial enabling business growth through corporate transactions and investment.


Balgair, 2011 – Present, United Kingdom

Corporate finance boutique supporting all types of corporate transactions and investment in business clients to enable optimum growth.

• Provision of equity, mezzanine and debt finance

• Residential and commercial property transactions

• Deal structuring to turn business idea into investor ready busines plan

• Business strategy and planning

• Market feasibility

• Mergers and acquisitions

• New business launches and commercial exploitation


Balgair, May 2009 – 2011, United Kingdom

Corporate finance boutique supporting all types of corporate transactions and investment in business clients to enable optimum growth.

Clydesdale Bank Plc, Inverness FSC. Senior Partner

Clydesdale Bank, 2004 – 2009

Leading a team of corporate banking professionals supporting corporate business clients. Recruited to reinvigorate and lead Commercial and Private team to develop proposition in Highlands:

• Income increased from £5m to £13m for mature business.

• Fastest growing business unit in Scotland in 2009.

• Significant property portfolio with ROE increased from 12% to 35%.

• Integrated income percentage increased from 7% to 22%.

• Realignment of team to business success and supported team with proven industry recruits.

• Redefined clear mission, strategy and objectives.

• Focused on customer alignment, streamlined operations and instilled accountability by tracking performance metrics.

National Australia Bank, Senior Strategy Manager.

National Australia Bank, 1982 – 2004

Various strategic and operational roles within the National Australia Bank including strategic project work both in the UK and Australia.

• Business lead for Competition Commission Enquiry into SME market in UK incorporating reports and attending enquiry of behalf of NAB Board in Europe.

• Global lead for customer team to implement internet banking platform in 6 global banks: Europe, 2 in Australasia and one in USA.

• AVA project leader with McKinseys to streamline and revitalise back office support and sh services in Europe.

• Strategy lead on steering group for implementation of the project deliverables to align the business with segment strategies. Involved 150 concurrent projects across the business.

Awards & Honors


Fellow of Chartered Institute of Bankers in Scotland (COIBS)

Chartered Institute of Bankers in Scotland.

Course author for E-commerce course for Chartered Institute of Bankers in Scotland. (CIOBS)

Chartered Institute of Bankers in Scotland.

Mentor for CIOBS programme for Business Relationship Directors programme for one of the large UK Banks.


Massachusetts Institute of Technology - Sloan School of Management

Entrepreneurship Development Programme

2011 – 2011

Strathclyde Business School

Master of Business Administration (MBA) Strathclyde Graduate Business School.

1995 – 1999

Oxford University - Said Business School

Financing for Growth in conjunction with MIT