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about commercial finance brokers ","description":null,"accordionItem":[{"id":"e7481b10-f1be-5286-a94c-44944191f182","label":"Do they have real customer case studies?","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"There’s little stopping an individual or website setting up as a commercial finance broker, so unfortunately the segment attracts many fly-by-night operations. Do they give named customer case studies you could easily pick up the phone to? Are they on an authoritative independent customer reviews site?\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Sadly, we often see brokers with fake website case studies that use stock photography, or others claiming to have helped real businesses that they’ve really had no involvement with. Your business could provide real customer references, so why can’t they?\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"You can find all of our \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/case-studies/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"real case studies here\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\", and see what our customers think of us on independent review site \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://uk.trustpilot.com/review/fundingoptions.com\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Trustpilot\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\"\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"id":"8c55c4c9-eb2e-506f-87ac-7b6b0c62a86d","label":"Are they regulated by the Financial Conduct Authority (FCA)?","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Many firms don’t realise that the business finance market is largely unregulated, meaning that it doesn’t necessarily offer the protections that we’re used to in our personal finance matters, such as a Financial Ombudsman, or an overarching obligation to Treat Customers Fairly.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Though many unregulated commercial finance brokers will provide excellent service, a regulated broker is surely a safer bet.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Funding Options is \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://register.fca.org.uk/ShPo_FirmDetailsPage/?id=001b000002NK31XAAT\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"fully authorised and regulated\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" by the FCA, and we support their \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/terms/treating-customers-fairly/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Treating Customers Fairly\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" initiative.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"id":"7f15b852-ac2e-5ca9-8b78-1c92e357bb87","label":"Do they actually specialise in business finance?","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Many self-proclaimed commercial finance brokers will actually be specialists in another area of finance, such as residential mortgages or life insurance, but may still claim to be able to help you with business finance. For them, business finance is a side-of-the-desk activity at best, meaning nothing like the breadth and depth of knowledge required for the complex and ever-changing \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/alternative-finance/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"alternative finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" market.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"We call our staff Business Finance Specialists for a reason — they know the market better than anyone. Funding Options exists to help your firm find the best finance for your situation, quickly and easily, and that’s all we do!\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"id":"8c47e595-90a7-5c61-8dc5-b7969be3e510","label":"Do they only cover one finance product?","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"These days there are literally dozens of different ways to finance your business, but many brokers only specialise in one particular product area, such as commercial mortgages or hire purchase. These brokers may serve their typical target customers extremely well, but if you’re outside of their norm, it can feel a bit like they’re forcing a square peg into a round hole.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"We help UK businesses find the right finance from across the market, whether you need a business loan, invoice finance, asset leasing, a commercial mortgage — whatever fits your situation best. And if you simply don’t know what kind of finance you need, we can help with that too.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"id":"1b4f4519-f9a6-5916-9da0-75a4599663f3","label":"Are they too closely tied to a lender?","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Many commercial finance brokers are closely tied to a particular lender, and are sometimes actually owned by one. Indeed, some commercial finance brokers are even lenders themselves. If a commercial finance broker fancies lending to you, it’s against their interests to refer you to a more suitable alternative finance provider. Funding Options isn’t a lender, and our relationships with lenders are based on what they can offer our customers — not what they pay us. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"We don’t charge our customers a fee, and we have standard commission terms with our lenders, so there’s no incentive to favour one over another. We’re actively doing business with more than 70 lenders across the whole market, and we’ll never match you with a lender that doesn’t suit your requirements.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"id":"e6093cbd-19a1-5f87-986c-b9a6cab7b55d","label":"Do they have Professional Indemnity insurance?","content":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"If something goes wrong that’s not your fault, and your business suffers as a result, there’s no point pursuing a claim against a commercial finance broker if they have no assets or insurance. You’ll just be throwing good money after bad. Professional Indemnity insurance gives more potential recourse if you’re mistreated, and is also a sign that an insurer has taken a look at the commercial finance broker’s credentials before choosing to back them.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"},{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Funding Options is fully insured.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}],"expandedAccordionItems":null},"sys":{"contentType":{"sys":{"id":"templatesV2SectionAccordionAndForm"}}}},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionHowDoesItWork"}}}},{"id":"23bbe9a5-c7a6-54c5-b7d2-44d81e5a7e44","placeholder":"Trustpilot carrousel","sys":{"contentType":{"sys":{"id":"templatesV2SectionTrustpilotCarrousel"}}}},{"title":"Financing options","descriptionCards":[{"title":"Options to source capital","icon":"Money bill","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Over the past few years, the range of options to source capital for high-value expenditure has improved.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Business loans and alternative finance","icon":"Hand holding coins","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"Where before, you were limited to taking out a \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/business-loans/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"business loan\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" (\",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/secured-vs-unsecured-loans/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"secured or unsecured\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\") now you can avail of a wide range of different \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/alternative-finance/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"alternative financing\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" options from \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/invoice-finance/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"invoice finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" to \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/commercial-mortgage/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"commercial mortgages\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\".\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"title":"Credit brokers","icon":"Rocket","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"In this short article, we will cover the above-mentioned areas of business finance offered by credit brokers.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}],"sys":{"contentType":{"sys":{"id":"templatesV2SectionFinancialProductInfo"}}}},{"title":"Estimate your costs today","description":"If you're ready to take your business to the next level, use our business loans calculator to get an idea of what you can afford.","calculatorType":"Business loans","sys":{"contentType":{"sys":{"id":"templatesV2SectionCalculator"}}}},{"id":"9da74760-b8a3-5035-968d-426e4b64586f","sys":{"contentType":{"sys":{"id":"templatesV2SectionListOfExpandedItems"}}},"title":"What is invoice finance? ","items":[{"icon":"Hand holding bag of money","title":"Invoice discounting and factoring","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"One of the primary loan types on offer through commercial finance brokers (NACFB) is invoice financing. And any commercial broker that is registered with the National Association of Commercial Finance Brokers (NACFB) will almost certainly be able to steer you in the direction of a lender who offers this service. The service involves \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.google.com/search/?q=invoice+discounting%E2%80%9D+site%3Afundingoptions.com&sxsrf=ALiCzsYsO9buoIQ7MsKM69sIyWUxIBr2LA%3A1660219799875&ei=l_H0YsCHNcupgQa0wpL4DA&ved=0ahUKEwiAr67b4L75AhXLVMAKHTShBM8Q4dUDCA4&uact=5&oq=invoice+discounting%E2%80%9D+site%3Afundingoptions.com&gs_lcp=Cgdnd3Mtd2l6EAM6BgizARCFBDoICAAQjwEQ6gJKBAhBGABKBAhGGABQAFiZjgJggY8CaAlwAXgFgAGJAYgB_RaSAQUxNC4xNZgBAKABAaABArABC8ABAQ&sclient=gws-wiz#:~:text=Invoice%20discounting%20guide%20%2D%20Funding,com%20%E2%80%BA%20knowledge%20%E2%80%BA%20invoic...\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"invoice discounting\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" and \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/invoice-factoring/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"invoice factoring\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\", and a broker, not a lender, will explain the main differences between \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/invoice-factoring-vs-invoice-discounting/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"invoice discounting and factoring\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" so you can choose the type of borrowing that best fits your needs. \",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"icon":"Wallet","title":"Lending platform","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"There is also the option of using a \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"lending platform\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\". This is a good option to connect with the best lenders for your particular situation, rather than choosing a lender that offers terms and conditions and minimum standards that are sub-optimal for your specific borrowing needs. If you have many customers that often have slow payment cycles, you can get cash upfront, by offering an invoice finance company a small percentage of the final invoice amount.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}},{"icon":"Rocket","title":"Invoice amount and customers","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"They will, of course, need to verify that the invoice amount and customers are legitimate. Many business owners choose invoice discounting during off-peak trading times to free up some cash for ad-hoc expenses and to supplement \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/cashflow/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"cash flow\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" shortages.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}]},{"id":"309f3dcd-a0fa-52b6-874d-d7aca08d5e79","sys":{"contentType":{"sys":{"id":"templatesV2SectionListOfExpandedItems"}}},"title":"Commercial mortgages","items":[{"icon":"Hand holding bag of money","title":"Business mortgages","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Sometimes called business mortgages, a commercial mortgage is often used by business owners looking to acquire a new property or land for their business. Often it is used by businesses that have outgrown their premises and need a new building. Businesses that are rich in cash, can purchase a building to avoid paying commercial rent, and can even sublease some of the building to other businesses. The primary difference between a residential mortgage and a commercial mortgage is the value of the property is an order of magnitude higher. \",\"marks\":[],\"data\":{}}]}]}"}},{"icon":"Banking institution","title":"Secured against a property","description":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s basically any loan that is secured against a property, which is not your primary residence. A \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/buy-to-let-limited-company/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"buy-to-let mortgage\",\"marks\":[{\"type\":\"underline\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\"is a nice way for businesses to add a new revenue stream, but will necessitate a \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/commercial-mortgage/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"commercial mortgage.\",\"marks\":[{\"type\":\"underline\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\" It might be worth reading our article about \",\"marks\":[],\"data\":{}},{\"nodeType\":\"hyperlink\",\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/property-development-finance/\"},\"content\":[{\"nodeType\":\"text\",\"value\":\"property development finance\",\"marks\":[{\"type\":\"underline\"}],\"data\":{}}]},{\"nodeType\":\"text\",\"value\":\". A commercial broker will be able to advise on different lending options from invoice finance to commercial mortgages but will often have particular lenders that are favoured over others due to different commissions. \",\"marks\":[],\"data\":{}}]}]}"}},{"icon":"Money bill","title":"Lending platform","description":{"raw":"{\"data\":{},\"content\":[{\"data\":{},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"There is also the option to use a \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"lending platform\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" to match with hundreds of 3rd party registered lenders and get a loan within 24 hours. Always make sure that when looking for a \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/business-loans/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"source of funding\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" you only engage the services of a lender that is authorised and regulated by the financial conduct authority. This protects all parties involved and is a welcome safety blanket in the \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fundingoptions.com/knowledge/commercial-loans/\"},\"content\":[{\"data\":{},\"marks\":[],\"value\":\"commercial finance\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" market. When searching for businesses on the \",\"nodeType\":\"text\"},{\"data\":{\"uri\":\"https://www.fca.org.uk/\"},\"content\":[{\"data\":{},\"marks\":[{\"type\":\"underline\"}],\"value\":\"FCA website\",\"nodeType\":\"text\"}],\"nodeType\":\"hyperlink\"},{\"data\":{},\"marks\":[],\"value\":\" even if you don’t know the company number, you can still search by company name or reference number.\",\"nodeType\":\"text\"}],\"nodeType\":\"paragraph\"}],\"nodeType\":\"document\"}"}}]},{"sys":{"contentType":{"sys":{"id":"templatesV2SectionDisclaimer"}}},"disclaimer":{"raw":"{\"nodeType\":\"document\",\"data\":{},\"content\":[{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Please note that the information above is not intended to be financial advice. You should seek independent financial advice before making any decisions about your financial future.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"It’s important to remember that all loans and credit agreements come with risks. These risks include non-payment and late-payment of the agreed repayment plan, which could affect your business credit score and impact your ability to find future funding. Always read the terms and conditions of every loan or credit agreement before you proceed. Contact us for support if you ever face difficulties making your repayments.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"Funding Options, now part of Tide, helps UK firms access business finance, working directly with businesses and their trusted advisors. Funding Options are a credit broker and do not provide loans directly. All finance and quotes are subject to status and income. Applicants must be aged 18 and over and terms and conditions apply. Guarantees and Indemnities may be required. Funding Options can introduce applicants to a number of providers based on the applicants' circumstances and creditworthiness. Funding Options will receive a commission or finder’s fee for effecting such finance introductions.\",\"marks\":[{\"type\":\"italic\"}],\"data\":{}}]},{\"nodeType\":\"paragraph\",\"data\":{},\"content\":[{\"nodeType\":\"text\",\"value\":\"\\n\",\"marks\":[],\"data\":{}}]}]}"}}],"author":{"name":"Joe Morley","jobTitle":"Business Finance Lead","slug":"joe-morley","shortBio":{"shortBio":"Joe has been helping UK businesses secure the funding they need since 2015. Over the years, he’s supported hundreds of SMEs in accessing millions of pounds for everything from purchasing essential assets to unlocking working capital for day-to-day operations. As Head of Sales at Funding Options, Joe leads a large team of expert Business Finance Specialists dedicated to finding the right solution for every customer. His goal is simple - to make securing finance straightforward, stress free, and tailored to each business’s needs."},"image":{"title":"Joe Morley","gatsbyImageData":{"images":{"sources":[{"srcSet":"https://images.ctfassets.net/7y9qslt4dryp/7fM6foUkI5z6EJqFGwRDz2/b91af08b8550ad38dc3c63069a6ef2eb/Joe_Morley.png?w=32&h=32&q=50&fm=webp 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/7fM6foUkI5z6EJqFGwRDz2/b91af08b8550ad38dc3c63069a6ef2eb/Joe_Morley.png?w=64&h=64&q=50&fm=webp 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/7fM6foUkI5z6EJqFGwRDz2/b91af08b8550ad38dc3c63069a6ef2eb/Joe_Morley.png?w=128&h=128&q=50&fm=webp 128w","sizes":"(min-width: 128px) 128px, 100vw","type":"image/webp"}],"fallback":{"src":"https://images.ctfassets.net/7y9qslt4dryp/7fM6foUkI5z6EJqFGwRDz2/b91af08b8550ad38dc3c63069a6ef2eb/Joe_Morley.png?w=128&h=128&q=50&fm=png","srcSet":"https://images.ctfassets.net/7y9qslt4dryp/7fM6foUkI5z6EJqFGwRDz2/b91af08b8550ad38dc3c63069a6ef2eb/Joe_Morley.png?w=32&h=32&q=50&fm=png 32w,\nhttps://images.ctfassets.net/7y9qslt4dryp/7fM6foUkI5z6EJqFGwRDz2/b91af08b8550ad38dc3c63069a6ef2eb/Joe_Morley.png?w=64&h=64&q=50&fm=png 64w,\nhttps://images.ctfassets.net/7y9qslt4dryp/7fM6foUkI5z6EJqFGwRDz2/b91af08b8550ad38dc3c63069a6ef2eb/Joe_Morley.png?w=128&h=128&q=50&fm=png 128w","sizes":"(min-width: 128px) 128px, 100vw"}},"layout":"constrained","width":128,"height":128}}}}},"staticQueryHashes":["1250078025","1659198851","3682024094","3753363658"]}