Ashley Tate built his first business before most people finish school.

In Part One of this two-part episode of The Digital Forge, David Richards MBE sits down with Ashley to unpack the early years of a career shaped by instinct, experimentation and hard lessons learned the long way round.

Growing up in Dronfield and Sheffield, Ashley always knew he wanted to work for himself. At sixteen he was importing mini motorbikes, processing card payments from his bedroom and shipping hundreds of units across the UK. By nineteen he was running a student property business that grew into a serious operation. From there came Split the Bills, a business that scaled fast, generated huge cash flow, and nearly collapsed under the weight of its own complexity.

Ashley speaks with rare honesty about what went wrong. Losing control of finances. Operating on hope rather than data. Facing winding-up petitions. Buying his own business back out of administration with borrowed money and credit cards. Then doing it all again in energy, just as wholesale markets imploded.

This is not a story about overnight success. It is a story about learning in public, surviving failure, and understanding that grit without discipline eventually catches up with you.

Part One ends at the moment where most founders would walk away. In Part Two, we explore how Ashley rebuilt, what those failures taught him, and how they shaped the investor and founder he is today at Sheffield Angels and beyond.

If you have ever built something, broken something, or wondered whether you could come back from the edge, this episode will stay with you.