The Success or Excuses Podcast
You can have success, or you can have excuses, but you can’t have both. This isn’t just another business podcast. This is for those who are done with the fluff, the motivational soundbites, and the sugar-coated stories. This is for the ones who want the real conversations about what it actually takes to succeed, no shortcuts, no excuses, just raw, unfiltered truth. James Fleming is a multi-seven-figure business owner who’s been in the trenches, built from the ground up, and knows first-hand the discipline, resilience, and mindset needed to make it happen. But this isn’t just about his story, he’s sitting down with the people who have really been through it. The self-made entrepreneurs, the industry disruptors, the ones who have had it all, lost it all, and fought their way back. Expect straight-talking interviews with high-level business leaders and extraordinary individuals who have mastered their mindset, faced failure head-on, and come out stronger. The kind of people who don’t just talk about success, they live it. No fluff. No sugar-coating. Just real conversations, real lessons, and the reality of what it takes to build something that lasts. If you’re ready to stop making excuses and start taking action, hit subscribe. Success or Excuses, you decide.
Episodes

May 4, 2026
May 4, 2026
49 min
Paul Nicholas didn’t follow a straight path into his career; he figured it out along the way.
From struggling at school and finding himself stacking shelves in his early twenties, Paul shares how he moved into health and safety, built a 20+ year career in the industry, and eventually launched his own consultancy working with large organisations.
In this episode of Success or Excuses, James Fleming sits down with Paul Nicholas to explore career pivots, mindset and fulfilment. Paul talks about the role mentorship played in shaping his journey, his experience working in the Middle East, and why chasing money and titles didn’t bring the fulfilment he expected.
Paul also shares how boredom and curiosity led him into acting, from amateur theatre to landing a role in a Netflix film, and why having something outside of business is important. The conversation dives into mindset, self-reflection and the impact of thought patterns on success, as well as the importance of learning from mistakes.
James brings his own perspective into the discussion, sharing insights on mindset, subconscious thinking and why changing the internal narrative is key to changing results.
Key moments include:✔️ Struggling at school and early career uncertainty✔️ Moving into health and safety and building a long-term career✔️ The impact of mentorship and learning from others✔️ Working in the Middle East and chasing money and titles✔️ Starting a consultancy business✔️ Getting into acting and landing a Netflix role✔️ The importance of having interests outside of work✔️ Mindset, self-reflection and learning from mistakes✔️ Subconscious thinking and how it shapes outcomes✔️ Paul’s three pieces of advice: spirituality, choosing the right partner, and building a strong network
Follow James FlemingLinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/Instagram → https://www.instagram.com/successorexcusespodcastYouTube → https://www.youtube.com/@SuccessorExcusesPodcastWebsite → https://thepowerwithintraining.com/
Follow Paul NicholasLinkedIn → https://www.linkedin.com/in/paul-nicholas-ba-msc-59248825/
Timestamps[00:00] Introduction to Paul Nicholas[00:01:10] Early life, school struggles and first jobs[00:03:30] Getting into health and safety[00:06:00] Building a long-term career in the industry[00:09:20] The impact of mentorship and learning from others[00:13:40] Working in the Middle East and chasing money[00:18:10] Realising money and titles didn’t bring fulfilment[00:22:30] Starting his own consultancy[00:27:00] Boredom, curiosity and getting into acting[00:31:20] Landing a role in a Netflix film[00:35:10] Having something outside of business[00:38:40] Mindset, self-reflection and learning from mistakes[00:44:00] Subconscious thinking and behaviour patterns[00:50:10] Three pieces of advice for life and business[00:55:00] Closing thoughts and reflections

Apr 27, 2026
Apr 27, 2026
42 min
Kristian Melson always had an entrepreneurial instinct.
After early attempts at starting a football coaching business at 18, Kristian went on to build a career in operations across large organisations and smaller companies. Over time, he realised he enjoyed driving change, improving systems and helping businesses run more efficiently.
In this episode of Success or Excuses, James Fleming sits down with Kristian Melson, Founder and Director of Ops Obsessed, an operations consultancy focused on improving efficiency and continuous improvement within businesses.
Kristian shares his journey from working in major companies like Ladbrokes and Betfair to building his own consultancy. He explains why operations leaders should aim to make themselves redundant by building strong teams and systems, and how good leadership is about empowering people rather than solving every problem yourself.
James and Kristian also discuss the importance of process, automation and operational structure when scaling a business. They explore why many companies underestimate operations, the challenges of implementing change inside organisations, and how getting team buy-in is critical for long-term success.
Key moments:✔️ Kristian’s background in operations and starting Ops Obsessed✔️ Moving from corporate roles into consultancy✔️ Why great operations leaders build teams that don’t rely on them✔️ Leadership lessons on empowering people and asking the right questions✔️ Why many companies undervalue operations✔️ The role of systems, automation and process in scaling businesses✔️ Getting team buy-in when implementing change✔️ Leadership influences and lessons from past managers✔️ Kristian’s three pieces of advice for business and life
Follow James Fleming:LinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/
Instagram → https://www.instagram.com/successorexcusespodcast
YouTube → https://www.youtube.com/@SuccessorExcusesPodcast
Website → https://thepowerwithintraining.com/
Follow Kristian Melson:
LinkedIn → https://www.linkedin.com/in/kristianmelson/
Website → https://www.linkedin.com/company/opsessed/
Timestamps[00:00] Introduction to Kristian Melson[00:00:50] Kristian’s background and founding Ops Obsessed[00:03:00] Early entrepreneurial attempts and career in operations[00:07:00] What makes a great operations leader[00:12:00] Leadership, empowerment and developing teams[00:18:00] The biggest operational challenges businesses face[00:21:00] Systems, processes and scaling companies[00:27:00] Technology, automation and operational efficiency[00:27:30] Influential leaders and management lessons[00:32:00] Why companies seek operational support[00:33:00] Getting team buy-in when implementing change[00:37:00] Kristian’s three pieces of advice for business and life[00:41:50] Where to connect with Kristian

Apr 20, 2026
Apr 20, 2026
10 min
Ray Black didn’t plan a career in sales.
Growing up in the village of Sanquhar, Ray began his career studying print before moving into technical design. Working at a drawing table long before CAD existed, he started out designing packaging and production samples by hand. That early exposure to the industry eventually led him into packaging, sales and business development.
In this episode of Success or Excuses, James Fleming sits down with Ray Black, Managing Partner of Think Partnership, to talk about Ray’s career journey and what he has learned from more than 30 years in the packaging and sales industry.
Ray shares how he moved from design into packaging sales after watching sales representatives visiting the business and realising he could do the same. He explains how his career progressed through roles in production and packaging companies before eventually becoming a Sales Director after decades in the industry.
Together, they explore the realities of modern sales, the role of process and discipline, and why strong relationships remain at the heart of successful business development.
Key moments:✔️ Ray growing up in Sanquhar and his early background✔️ Studying print and starting out in technical design✔️ Designing packaging before CAD technology✔️ Moving from design into the packaging industry✔️ Building a 36-year career in packaging✔️ Progressing through sales roles and becoming Sales Director✔️ Ray’s view on what makes a great salesperson✔️ Why trust and relationship-based selling matter✔️ The importance of work ethic in sales✔️ Planning questions and preparing for client meetings
Follow James FlemingLinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/
Instagram → https://www.instagram.com/successorexcusespodcast
YouTube → https://www.youtube.com/@SuccessorExcusesPodcast
Website → https://thepowerwithintraining.com/
Follow Ray Black
LinkedIn → https://www.linkedin.com/in/rayblackuk/
Timestamps[00:00] Introduction to Ray Black[00:00:40] James welcomes Ray to the podcast[00:00:59] Ray shares his background growing up in Sanquhar[00:02:00] Studying print and starting in technical design[00:02:28] Designing packaging before CAD[00:03:00] Moving into the packaging industry[00:04:40] Ray’s long career in packaging and sales[00:05:00] Becoming a Sales Director[00:05:10] Ray’s view on what makes a great salesperson[00:07:00] Relationship-based selling and trust[00:08:00] Work ethic and sales process[00:09:00] James and Ray discuss preparing questions for sales meetings

Apr 13, 2026
Apr 13, 2026
55 min
Davie Sneddon didn’t begin his career in sales.
Growing up on the south side of Glasgow, Davie struggled at school and didn’t see himself as academic. He began his career with an engineering apprenticeship as a plant fitter before realising he wanted more from life than working in heavy engineering.
In this episode of Success or Excuses, James Fleming sits down with Davie Sneddon, Chief Commercial Officer and co-owner of Sales Geek Scotland, to explore the mindset, lessons and experiences that shaped his career.
Davie shares how martial arts helped him develop discipline and focus, how his first exposure to sales while working abroad ignited his competitive drive, and how he progressed into senior leadership roles in major global companies including Würth, Brammer and Snap-on Tools.
The conversation explores Davie’s journey into franchising with Sales Geek, how he partnered with another franchise owner to build Sales Geek Scotland eventually becoming co-owner of Sales Geek Scotland, and why strong relationships, trust and honesty are the real foundations of successful sales.
Key moments:✔️ Davie’s early life in Glasgow and leaving school unsure of his path✔️ Starting an engineering apprenticeship and realising he wanted more✔️ Discovering discipline and focus through martial arts✔️ First exposure to sales while working abroad✔️ Progressing into leadership roles with Würth and Brammer✔️ Managing redundancies during a major business downturn✔️ Leaving a corporate leadership role to prioritise family life✔️ Becoming a franchise owner with Sales Geek✔️ Partnering with another franchisee to launch Sales Geek Scotland✔️ Why sales is about relationships, trust and listening✔️ Skillset, mindset and goal set as Davie’s three principles for successFollow James FlemingLinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/Instagram → https://www.instagram.com/successorexcusespodcastYouTube → https://www.youtube.com/@SuccessorExcusesPodcast
Website → https://thepowerwithintraining.com/
Follow Davie SneddonLinkedIn → https://www.linkedin.com/in/davie-sneddon-l-isp-b5990045/
Company Website → https://www.salesgeekscotland.co.uk/
Timestamps[00:00] Introduction to Davie Sneddon[00:01:10] What Sales Geek is and how the business operates[00:04:30] Growing up in Glasgow and struggling at school[00:05:20] Engineering apprenticeship and early career[00:06:00] Martial arts and developing discipline and focus[00:07:10] First experience in sales while working abroad[00:07:50] Career progression with Würth and leadership training[00:08:40] Senior leadership roles and managing large teams[00:09:10] Business downturn and the reality of making redundancies[00:15:00] Leaving corporate leadership to focus on family[00:16:30] Starting a Snap-on franchise and self-employment[00:17:00] Joining Sales Geek and building the business[00:19:50] Why sales is about relationships, trust and listening[00:27:50] What makes a strong sales leader[00:33:00] Franchising and launching Sales Geek Scotland[00:47:00] The role of mindset in business success[00:50:30] Davie’s three principles: skillset, mindset and goal set

Apr 6, 2026
Apr 6, 2026
44 min
Nicki Paterson’s career began in professional football.
After playing for around 20 years across Scotland, the UK and North America, Nicki’s journey eventually led him into the recruitment industry, where he has spent the last eight to nine years helping companies hire leaders and specialist talent across more than 60 countries.
In this episode of Success or Excuses, James Fleming sits down with Nicki Paterson from Solutions Driven to explore how lessons from sport translate into leadership and business. Nicki shares his early football journey, from being picked up by Motherwell at a young age to playing first team football at Hamilton and eventually moving to the United States on a football scholarship.
Nicki talks about the mindset required to take opportunities, the discipline needed to succeed in professional sport and how those same traits now shape his career in recruitment. He also reflects on the impact of mentorship, hard work and learning from failure.
The conversation explores leadership in both sport and business, the challenge of hiring the right people, and why self-awareness, alignment and clear communication are essential for high-performing teams.
Key moments include:
✔️ Nicki’s journey from professional football into recruitment✔️ Being picked up by Motherwell and playing at Hamilton✔️ Moving to the United States on a football scholarship✔️ Lessons from sport that translate into business leadership✔️ The role of mentorship, discipline and hard work✔️ Leadership, communication and building aligned teams✔️ Why leaders can become the bottleneck in a business✔️ Hiring great salespeople and recruitment challenges✔️ Recruitment across global markets and international experience✔️ Nicki’s three pieces of advice for business and life
Follow James Fleming:
LinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/Instagram → https://www.instagram.com/successorexcusespodcastYouTube → https://www.youtube.com/@SuccessorExcusesPodcastWebsite → https://thepowerwithintraining.com/
Follow Nicki Paterson:
LinkedIn → https://www.linkedin.com/in/nickisolutionsdriven/
Company Website → https://solutionsdriven.com/
Timestamps
[00:00] Introduction to Nicki Paterson[00:00:50] Nicki’s background and football career[00:02:20] Being picked up by Motherwell and playing for Hamilton[00:04:40] Moving to the United States on a football scholarship[00:06:30] Opportunity mindset and taking risks[00:08:40] Discipline, mentorship and obsession with improvement[00:17:20] Leadership lessons from sport and business[00:18:10] What makes a great leader[00:24:10] Coaching teams and building accountability[00:26:40] Why leaders burn out and become bottlenecks[00:30:00] Recruitment challenges and hiring great salespeople[00:33:10] The value of international experience[00:35:00] Advice for business and leadership[00:40:20] Nicki on Solutions Driven and recruitment philosophy[00:44:40] Closing remarks

Mar 30, 2026
Mar 30, 2026
54 min
Calum Stevens didn’t set out to build a career in pharmaceuticals; he fell into it.
After studying marine biology, Calum began working in a clinical environment before joining BDD, a Glasgow-based pharmaceutical company that started as a small university spin-out. Today, the business employs around 35 people and works with both innovative biotech’s and some of the world’s largest pharmaceutical companies.
In this episode of Success or Excuses, James Fleming sits down with Calum Stevens, Commercial Director at BDD, to explore growth, culture and taking action. Calum shares how he stepped away to launch a boat repair and servicing business on Loch Lomond, why he returned under the leadership of CEO Carol, and how he moved from clinical trial assistant into sales, marketing and commercial leadership.
Calum speaks openly about scaling a niche pharmaceutical company in Scotland, recruiting highly specialised scientists who can also sell, navigating long decision-making processes with global pharma, and the challenge of maintaining culture as a business grows. He also reflects on networking, fatherhood and why overplanning can stop great ideas from ever getting off the ground.
James brings his own experience into the discussion, sharing lessons on leadership, accountability, buy-in and building belief before driving change.
Key moments include:✔️ Starting in a small university spin-out✔️ Launching and exiting a boat repair business✔️ Growing into Commercial Director at BDD✔️ Recruiting niche scientific and business development talent✔️ Managing culture as a company scales✔️ Working with biotechs and global pharma✔️ The danger of overplanning✔️ The power of networking and meeting people in person✔️ Leadership lessons from fatherhood✔️ Calum’s three pieces of advice: leap, build your network, don’t take life too seriously
Follow James Fleming:LinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/
Instagram → https://www.instagram.com/successorexcusespodcast
YouTube → https://www.youtube.com/@SuccessorExcusesPodcast
Website → https://thepowerwithintraining.com/
Follow Calum Stevens:LinkedIn → https://www.linkedin.com/in/calumstevens/
Company LinkedIn → https://www.linkedin.com/company/drug-delivery-international-ltd/
Company Website → https://www.bddpharma.com/
Timestamps[00:00] Introduction to Calum Stevens[00:00:52] Calum’s role and BDD’s origins as a university spin-out[00:02:00] Launching a boat repair business on Loch Lomond[00:03:00] Recruiting niche scientific and sales talent[00:04:30] The challenge of scaling culture[00:07:00] Biotech’s vs global pharma and long decision cycles[00:22:10] Returning to BDD under new leadership[00:25:00] Moving into sales, marketing and commercial leadership[00:37:10] Leadership lessons from parenting[00:45:10] Three pieces of advice for business and life[00:54:00] LinkedIn, networking and closing remarks

Mar 23, 2026
Mar 23, 2026
49 min
Val Duguid didn’t plan to start a care company… she was trying to care for her mum.
An exercise physiologist and chronic illness specialist for over 20 years, Val built her career in complex rehabilitation. But when her mum suffered a near-fatal accident, breaking her pelvis, hip and arm, Val stepped away from her previous business and became a full-time carer.
In this episode of Success or Excuses, James Fleming sits down with Val Duguid, founder of Bentley’s Home Care, to explore how a personal crisis became a business. Val shares the six weeks spent in hospital, the breakdown of relationships, the struggle to find appropriate care, and the moment she broke down trying to manage a wheelchair and four bags of shopping. That was the turning point. If the service she needed didn’t exist, she would build it
Val explains how Bentley’s began with a befriending service while waiting for a Care Inspectorate licence, how trust and local reputation helped it grow, and why she leads without rigid hierarchies, focusing instead on accountability, ownership and empowering experienced carers.
James brings his own experience of business ownership into the conversation, unpacking the loneliness of leadership, responsibility for staff, and the mindset required to lead without excuses
Key moments include:✔️ Val’s 20+ years in complex rehabilitation ✔️ Her mum’s near-fatal accident and six weeks in hospital ✔️ Leaving her previous business to become a full-time carer ✔️ The struggle to find regulated, suitable care support ✔️ Interviewing individual carers and discovering gaps in regulation ✔️ The emotional breaking point with the shopping incident ✔️ Starting Bentley’s with a befriending service ✔️ Building through trust, referrals and reputation ✔️ Empowering carers to phone doctors and take ownership✔️ Leadership as integrity, accountability and no excuses ✔️ A five- and ten-year vision to expand across Scotland and beyond
Follow James Fleming:LinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/Instagram → https://www.instagram.com/successorexcusespodcastYouTube → https://www.youtube.com/@SuccessorExcusesPodcastWebsite → https://thepowerwithintraining.com/
Follow Val Duguid:Website → https://www.bentleyshomecare.com/Facebook → https://www.facebook.com/valerie.duguid.1LinkedIn → https://www.linkedin.com/in/valerie-duguid-69426838/
Timestamps[00:00] James introduces Val Duguid [00:01:00] Val’s background in rehabilitation [00:01:18] Her mum’s accident and life changing overnight [00:03:45] Starting Bentley’s and the befriending model [00:13:15] Hospital experience and personal impact [00:18:00] The wheelchair and shopping breaking point [00:22:15] Interviewing carers and regulatory challenges [00:29:15] Empowering staff and building culture [00:38:30] Vision for expansion across Scotland [00:42:30] Leadership, integrity and no excuses [00:45:45] Val’s top three pieces of advice [End] James closes the episode

Mar 16, 2026
Mar 16, 2026
40 min
Mark Glasgow didn’t grow up with much, but he always knew he was going to be a business owner.
A gas engineer by trade, Mark founded Edinburgh Boiler Company in 2015 with a simple objective: make boilers easy and deliver outstanding customer service. He spotted early opportunity in digital, hiring a web designer as his first employee and investing heavily in SEO, radio, TV and marketing to grow fast in a traditional trade sector.
In this episode of Success or Excuses, James Fleming sits down with Mark Glasgow, founder and managing director of Edinburgh Boiler Company and director of The Energy Training Academy, to explore ambition, resilience and innovation. Mark shares how growing up with very little fuelled his drive to create a better life for his family, how his company has grown to around 60 staff with a managing director in place, and why renewables now make up the majority of the business.
Mark speaks openly about launching The Energy Training Academy as a community interest company to help address the skills gap in gas and renewables, alongside Scotland’s 2045 net zero target. He also explains how AI, automation and CRM systems are transforming his operations, from voice bots booking services to route optimisation and lead handling.
Together, they discuss family, vision, resilience, uncertainty in UK business, skills shortages and the importance of attaching strong emotion and strategy to long-term goals.
Key moments include:
✔️ Growing up with very little and developing ambition early✔️ Starting as a gas engineer before launching EBC in 2015✔️ Hiring a web designer as the first employee✔️ Investing every penny back into marketing✔️ Growing to around 60 staff and appointing an MD✔️ Moving from boilers into renewables✔️ Cashflow challenges around heat pump funding✔️ Launching a community interest training academy✔️ Addressing the skills gap and net zero targets✔️ Implementing AI, voice bots and CRM automation✔️ Leadership, resilience and mindset✔️ Vision, strategy and building a legacy
Follow James Fleming:LinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/
Instagram → https://www.instagram.com/successorexcusespodcast
YouTube → https://www.youtube.com/@SuccessorExcusesPodcast
Website→ https://thepowerwithintraining.com/
Follow Mark Glasgow:LinkedIn → https://www.linkedin.com/in/mark-glasgow-89942047/
Website → https://theenergytrainingacademy.com/
Company Website → https://www.instagram.com/theenergytrainingacademy
Timestamps
[00:00] James introduces Mark Glasgow[00:00:59] Mark’s background and early ambition[00:02:23] Launching Edinburgh Boiler Company in 2015[00:03:15] Digital marketing and early growth[00:04:29] Leadership and appointing an MD[00:05:54] Structure, meetings and growth plans[00:06:24] AI, automation and CRM systems[00:06:57] Moving into renewables and funding challenges[00:07:56] Launching the training academy[00:11:14] Leadership and caring for your people[00:16:06] Uncertainty in UK business[00:18:24] Mindset and personal development[00:29:44] Skills shortages and AI disruption[00:37:03] Future plans and acquisitions[00:38:36] Mark’s top three pieces of advice[End] James closes the episode

Mar 9, 2026
Mar 9, 2026
52 min
Brian Creegan didn’t plan to start his business during a global pandemic, he just happened to open on 1 March 2020.
An Irishman who grew up in South Africa before moving to Scotland, Brian built his early career in banking before unexpectedly moving into recruitment and working his way up to director level. Wanting to do things differently, he left to create his own business focused on training companies how to manage hiring themselves.
In this episode of Success or Excuses, James Fleming sits down with Brian Creegan to explore what it really takes to launch a business when circumstances are completely outside your control. Brian shares the reality of starting with only months of financial runway, the panic when the world shut down, and how offering free CV support to people helped him stay afloat until work slowly returned.
Brian speaks openly about the rollercoaster of entrepreneurship. From income uncertainty and losing clients, to leading small teams through difficult markets and constant change. He reflects on growing up without a safety net, the fear of failure that drives him, and the resilience required to keep going when things feel out of control. James brings his own experience into the discussion, sharing the emotional impact lockdown had on his business, the uncertainty leaders faced when clients paused work, and the pressure of navigating a crisis without a clear roadmap.
Together, they unpack resilience, leadership, hiring, culture, generational change, and what it means to find a way forward when there isn’t one.
Key moments include:✔️ Growing up between Ireland, South Africa, and Scotland✔️ Starting a career in banking before moving into recruitment✔️ Working up to director level✔️ Leaving to start his own business✔️ Launching on 1 March 2020✔️ Panic and uncertainty as COVID shut everything down✔️ Helping people with CVs for free during lockdown✔️ Gradually rebuilding work as restrictions eased✔️ Fear of failure and entrepreneurial pressure✔️ Leadership lessons from mistakes and experience✔️ Hiring, onboarding, and culture challenges✔️ Navigating generational differences in the workforce
Follow James Fleming:LinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/
Instagram → https://www.instagram.com/successorexcusespodcast
YouTube → https://www.youtube.com/@SuccessorExcusesPodcast
Website → https://thepowerwithintraining.com/
Follow Brian Creegan:LinkedIn → https://www.linkedin.com/in/briancreegan/
Company LinkedIn → https://www.linkedin.com/company/creegantalent/
Company Website → https://creegantalent.com/
Timestamps[00:00] James introduces Brian Creegan[00:00:54] Brian’s background and early career[00:02:50] Launching just before the pandemic[00:05:07] Panic and early survival tactics[00:06:19] Work returning as restrictions eased[00:11:00] Fear of failure and mindset[00:18:06] Market uncertainty and business impact[00:24:50] Hiring and onboarding challenges[00:31:55] Leadership lessons and mistakes[00:36:00] Generational change in the workforce[End] James closes the episode

Mar 2, 2026
Mar 2, 2026
31 min
Emma Ross didn’t leave because she was failing. She left while earning £140,000 a year.
After dropping out of university, Emma built her career in banking before moving into commercial finance at HSBC. Within three years she increased her income from £34,000 to £140,000, generating £500,000 net income for the company in her final year. Walking away from that security wasn’t easy.
In this episode of Success or Excuses, James Fleming sits down with Emma Ross, founder of Ross Commercial Finance, to explore what it really takes to start again from zero. Emma shares the financial realities of brokering, knowing there could be a six to nine month income gap, and carrying significant family responsibility while making the leap.
Emma speaks openly about the pressure of building a business just two years old. From working 6am to 2am and never leaving emails unanswered, to managing anxiety and the physical toll of stress. She reflects on being the only woman in the room in a male-dominated industry, early criticism about looking “unprofessional”, and how she’s learned to turn that into confidence.
James brings his own experience into the discussion, drawing parallels around hiring, letting go of control, working alongside your spouse, and the realities people don’t see behind visible success.
Together, they unpack growth, standards, awards, marriage, ambition, and the desire to build a team strong enough to eventually work a more sustainable shift.
Key moments include:✔️ Dropping out of university and starting in banking✔️ Moving into commercial finance at HSBC✔️ Increasing income from £34,000 to £140,000✔️ Generating £500,000 net income for her employer✔️ The decision to start Ross Commercial Finance✔️ Expecting a six to nine month income gap✔️ Working 6am to 2am and never leaving emails unanswered✔️ Anxiety, staying busy, and the impact on health✔️ Hiring struggles and learning to let go of control✔️ Building a team of five within two years✔️ Being the only woman at industry events✔️ Early criticism about appearance and professionalism✔️ Winning Best Scottish Broker, Best Commercial Mortgage Broker, Best Bridging Broker, and Highly Commended for Northern Ireland✔️ Being nominated for awards by lenders✔️ Working alongside her husband Marty✔️ Launching a finance and football podcast✔️ The goal of building a team big enough to work a “normal shift”✔️ Emma’s top three pieces of advice: find a mentor, build a strong network, and trust your own abilities
Follow James Fleming:
LinkedIn → https://www.linkedin.com/in/jamesflemingtpwtd/Instagram → https://www.instagram.com/successorexcusespodcastYouTube → https://www.youtube.com/@SuccessorExcusesPodcast
Website → https://thepowerwithintraining.com/
Follow Emma Ross:
Podcast → https://open.spotify.com/show/3Zv9V5zUzMCDuykaaouvTL?si=5516ec3e3c224848LinkedIn → https://www.linkedin.com/in/emma-ross-78ab5677/Instagram → https://www.instagram.com/emma_ross_commercial_financeCompany LinkedIn → https://www.linkedin.com/company/ross-commercial-finance/Website→ https://rosscommercialfinance.com/
Timestamps[00:00] James introduces Emma Ross[00:00:50] Emma’s background and early career[00:01:30] The decision to leave and start her own business[00:03:00] Financial realities and income gaps in brokering[00:04:00] Work ethic, long hours, and pressure[00:06:00] Anxiety and health impact[00:07:00] Hiring challenges and letting go of control[00:11:30] Women in a male-dominated industry[00:15:20] Award wins and recognition from lenders[00:18:18] Working with Marty and balancing marriage and business[00:27:00] Vision for growth and working a normal shift[00:29:16] Emma’s top three pieces of advice[00:31:00] James closes the episode







