"The relationship with Santander has made it a lot easier to grow. For example, we took the decision to install 76,000 six-foot LED tubes in our shops. The total cost was approaching £1.8 million and we get a return on that investment in about 18 months because of the energy …

"When I first sat down with Santander and they started explaining to me about all the products and support they offer, it was a breath of fresh air. My Relationship Director takes the time to understand and get under the skin of the business. It’s easy to make promises in …