Bernie Morgan is an experienced business advisor specializing in early stage and growing businesses. She is an accomplished innovator and developer who likes to find creative solutions to business problems. She is a small business owner herself and knows only too well the problems businesses face every day. Prior to this, she was, for eight years, the Chief Executive of the Community Development Finance Association which led the creation of the CDFI industry in the UK. Bernie owns a chocolate cafe in Margate, Kent. Margate is fast becoming a hub for creative businesses, which makes her work a great pleasure.