ATFS (Finalysis)



ATFS is a team of experienced specialist independent advisers. Our core markets are housing, education, charities and wider public sectors.

We advise on debt, treasury management, banking and payment services and provide a range of business consultancy services. As independent treasury advisers, our clients’ best interests are our driving objective. We build honest, long–term client relationships, which is at the heart of everything we do.

Our clients across the UK and internationally value us for our independence and our ability to provide them with expert solutions working on bespoke projects and as retained advisers.

Our team draws experience from years of working in the banking, commercial, and housing sectors. This means we offer real-world knowledge based on real-world experience, providing our clients with value for money treasury solutions.

To date, ATFS has worked with over 200 educational institutions, including some 110 Universities. We continue to build on our strong reputation in the education sector.

ATFS is a strong supporter of the sectors in which it works through attendance and sponsorship of regional and national conferences. This includes the annual BUFDG Conference since 2004, and regular attendance and participation at forums and client seminars.

We are part of the Aquila Services Group plc, which includes Altair Consultancy and Advisory Services Ltd and Oaks Consultancy Ltd. Our group of companies provides professional services and consultancy advice primarily to organisations in socially focused sectors in the UK and abroad.



Category headings:

  • Debt advisory
  • Treasury advisory
  • Financial services advisory  
  • Consultancy
  • Digital
  • Placements
  • International

Please visit our website for further information on each category:


Aquila Services Group is Carbon Neutral Plus

In February 2020, the Aquila Services Group Plc announced its commitment to become carbon neutral, in line with the Group’s core purpose of making a better, more sustainable, and socially responsible world. Following the measurement of our carbon footprint for last year, we have offset our 75.08tCO2e + 10% to achieve a carbon neutral plus status. Read the full news story:




Contact Us

Carl Fleet - Director    E:

Richard Leighton - Director    E:



e-Wallets - May 2022 Bulletin

Payments Strategy and Interest Rates
- April 2022 Bulletin

Open Banking
- March 2022 Bulletin

PCI-DSS 4.0 Compliance
- February 2022 Bulletin

Intro to full range of services - January 2022 Bulletin

SCA Impact on UK Payments
- December 2021 Bulletin

Interest Rate Management - November 2021 Bulletin

The Changing Payments Landscape - October 2021 Bulletin

Educational Estates Post Brexit and Covid - September 2021 Bulletin

The Rising Importance of ESG - July 2021 Bulletin

VISA Interchange - June 2021 Bulletin

LIBOR Transition Update - May 2021 Bulletin

Refunds - April 2021 Bulletin

Open Banking - March 2021 Bulletin

Sustainability Linked Loans - February 2021 Bulletin

Mastercard Interchange Increase - January 2021 Bulletin

International Student Payment Choices - December 2020 Bulletin







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