Providing practical advice and support to SME owner-managers with…

 About us:


  •  KMC Associates Ltd is a privately owned and independent advisory business specialising in the support of SME businesses. The Directors have worked in a variety of roles in the financial services industry for over 35 years.   They bring a wealth of experience to bear including areas such as Business Planning and Transformational Change, Risk Management, Raising Finance and Leadership.


  • Our aim is to deliver practical advice and sustainable solutions to busy management teams, help them to drive growth and realise the vision they have for their business.   This web-site provides a flavour for the various ways we can help but is not exhaustive and we would be delighted to meet with you and explore ways in which we can be of assistance.



The Team

Martin How MA(Oxon), ACIB

Martin How MA(Oxon), ACIB


Martin is a Business Consultant and Director of KMC Associates Ltd. He worked for a major international financial services business for 35 years. During that time he successfully led 6 client facing businesses in the SME and Mid-Corporate markets across multiple units and a very broad geography. This experience included working with a wide range of B2B, service based businesses and manufacturers.

He has also worked extensively with Real Estate clients and more latterly was Director, Healthcare for London & South East England, responsible for client relationships, business development, marketing and credit risk in Adult Care, Specialist Care, Dentistry, GP Surgeries, Day Care Nurseries, Veterinary Practices and Retail Pharmacy.

Martin has a strong background in credit analysis and control and a proven track record of developing business relationships and coaching to win.   His strengths are a logical and enquiring mind, creative solution finding and the ability to make reasoned judgements and implement the resultant actions at all levels.

An Associate of the Chartered Institute of Bankers, Martin also holds a Certificate in Credit and Certificate in Healthcare from the ifs School of Finance and has attended a range of external and employer sponsored specialist training including corporate banking courses run in association with Durham University Business school and Manchester Business School.

Kym Hudson

Kym Hudson


Kym is a Director of KMC Associates Ltd and KCH Consultants Ltd.

With over 35 years of experience within Global Financial Services, Kym has an impressive track record having worked at senior management and executive level in many diverse disciplines including Risk, Change, Customer Service and Operations Management.

Most recently, Kym has moved into Business Consultancy and has a number of assignments including a Non Executive Directorship role, a portfolio of Executive Coaching clients and is currently providing SME guidance and support to a complex and regulatory driven programme building the business operating model for a new Bank.

Kym’s primary skills would be summarised as: Strong stakeholder engagement, Regulatory and Operational Risk professional, Senior negotiator and influencer, Professionally qualified AML/STF practitioner, Professionally qualified Programme Director, Excellent coach, mentor, leader and developer of multi- faceted teams.

She holds the MBA module for Operations Management from Warwick Business School and is a media trained speaker.

What our clients say

“I was introduced to Martin in the early days of our business, at that time we were ‘punching above our weight’ attracting business. Martin’s advice and assistance at a very critical stage of our development led us through the maze of obstacles and without doubt prevented us from making some fundamental errors whilst encouraging us to take the right kind of risk to allow us to grow and move forward. As a Group we now have a turnover in excess of 120m UKP and employ some 600 people in 3 continents. My sincere thanks Martin for your patience and sound, proven advice.”

Kevin Stevens, Chairman at Woodland Group


Vastly experienced in banking

“Martin How is a man of great integrity and has a vast knowledge of the workings of banks and the credit function they employ to assess lending propositions.  I can think of no one better to turn to to advise on borrowing proposals.  He is vastly experienced in banking and has a very amiable nature and puts people he deals with at ease in what can be a difficult situation.” 

Ian Plunkett

Managing Director of Bird Luckin Ltd, Chartered Accountants


Strong work ethic

“I’ve known Martin for 30 years, as a colleague, business associate and a friend. Completely open and honest, he is always adding value and focused on developing businesses and people. He is a deep thinker, extremely knowledgeable and with a strong work ethic, which means that with Martin on your side you will be as successful as he is.” 

Bill Ratcliffe


For advice and support

please contact us

020 8923 4131