22= NIGEL MORRIS
Finance 2018: £180m 2017: £180m (21st)
Nigel Morris knows all about lending to the posh and not so posh. The Billericay-born co-founder of the American Capital One credit card business is betting now is a good time to lend to the riskiest borrowers through an investment in a company called LendUp Global, where he has also joined the board. Morris also chairs posh pawnbroker Borro, which lends money to wealthy people, taking fine wine, jewellery, antiques, expensive musical instruments and even a Rolls Royce as security. Originally hired to implement an information-based strategy in 1988, he became the architect of the hugely successful Capital One card. Morris retired from Capital One in 2004 having sold £136m worth of shares. Now based in Virginia, Morris is also managing partner of the investment group QED Partners, which recently poured money into the UK student lending company Future Finance. He has also backed Prosper.com, an online loans company. Morris sits on the boards of the London Business School and National Geographic. Other assets keep him at £180m.