Commercial Manager
2 days ago
Belfast
Commercial Manager CapRelease | Belfast, Northern Ireland (Hybrid) | Full-Time About CapRelease CapRelease provides fast, flexible funding to UK eCommerce brands, from £20k to £1m. We connect to live inventory, revenue, accounting, and banking data to build a complete picture of how a business is trading. We work alongside third-party logistics (3PL) partners to embed our funding directly into the fulfilment ecosystem. Our proprietary AI models assess risk, value inventory, and automate repayment, giving brands access to capital in 24 to 72 hours with no personal guarantees and no equity. We’re a seed-stage fintech backed by institutional capital, FCA registered, and growing fast. We’re building the team that will scale this business across the UK and internationally. The Role We’re hiring a Commercial Manager to own the deal from the moment a qualified lead lands on your desk through to a funded facility and an ongoing client relationship. You’ll sit at the centre of our sales operation, working between our Sales team (who fill the pipeline) and our Credit team (who underwrite the risk). Your job is everything in between: financial discovery, deal structuring, presenting and negotiating offers, closing, and then managing the relationship to drive repeat facilities. This is a commercial role with real financial depth. You’ll be reviewing P&Ls, assessing cash flow, understanding inventory dynamics, and structuring funding proposals that work for the client and the business. You’ll speak daily with eCommerce founders and finance teams about their capital needs, and you’ll need to do that with credibility, clarity, and pace. It’s not a back-office role. You’re client-facing, commercially accountable, and measured on deals closed and revenue generated. What You’ll Do • Take qualified leads from the sales team and run structured financial discovery calls with eCommerce founders and CFOs, assessing revenue, margins, inventory, cash flow, seasonality, and existing facilities., • Review business data (management accounts, bank statements, platform analytics) to assess fit and structure funding proposals aligned to client needs and our risk appetite., • Work closely with our Credit team to shape deals, providing commercial context and advocating for viable opportunities while flagging risks early., • Present and sell funding offers to clients, clearly explaining the facility structure, repayment mechanics, fees, and security., • Handle objections on pricing, structure, and competitive alternatives. You’ll regularly compete directly with revenue-based finance providers and traditional bank facilities., • Negotiate terms and close deals, managing the process through to signed agreements and funded facilities., • Own the ongoing client relationship post-funding. Proactively identify opportunities for additional or repeat facilities as revenue growth, inventory cycles and seasonal demand create new funding needs., • Coach and support the Sales team on what good qualification looks like, improving handoff quality and pipeline conversion over time., • Contribute to refining our commercial processes, pricing frameworks, and sales materials as we scale. What We’re Looking For • Financially fluent. You can read a set of accounts, understand a cash flow forecast, and spot the difference between a business that needs growth capital and one that’s plugging a hole. You don’t need to be a qualified accountant, but you need to be comfortable in financial conversations with founders and CFOs., • Commercially focused. You’ve closed deals before, whether in commercial finance, SME banking, asset finance, invoice finance, or a related field. You understand the full cycle from discovery to close, and you know how to build momentum without pressure., • A strong communicator. You can translate complex financial products into plain English. You’re as comfortable on a Teams call with a first-time founder as you are presenting a structured proposal to a seasoned CFO., • Proactive and self-starting. We’re a small team building something new. You’ll have support, but you won’t have a playbook handed to you on day one. You’ll help build it., • Relationship-oriented. You see every funded facility as the start of a long-term relationship, not the end of a transaction. Repeat business and client advocacy are how you measure success., • Curious about eCommerce. You don’t need to come from the sector, but you’re genuinely interested in how DTC brands operate, how inventory cycles work, and how funding can accelerate growth. Experience That Would Stand Out • 3+ years in a client-facing commercial finance, SME banking, asset finance, invoice finance, or alternative funding role with demonstrable deal origination and closing experience., • Direct experience assessing SME financials (management accounts, bank statements, debtor books, inventory reports) as part of a sales or credit process., • Track record of managing client relationships post-sale and growing accounts through repeat or cross-sell activity., • Experience in a startup, scale-up, or challenger brand environment where you’ve had to build processes alongside hitting targets., • Exposure to FCA-regulated environments, AML/KYC processes, or compliance frameworks is a genuine plus. What We Offer • Competitive base salary plus uncapped commission tied directly to deals closed and revenue generated., • Equity participation via employee share option scheme., • Hybrid working from our Belfast office., • Direct involvement in shaping the product, the process, and the commercial strategy from day one., • Close collaboration with the CEO, CFO, and senior leadership team., • The opportunity to build a commercial function that scales across the UK and into new markets. Equal Opportunities CapRelease is an equal opportunity employer. We welcome applications from all qualified individuals regardless of gender, age, disability, race, religion, political opinion, sexual orientation, or community background. We are committed to creating an inclusive workplace where everyone can thrive.