Former Blackpool and England player Stewart, who is based in the area, has been approached by a consortium of businessmen to lead their takeover bid.
Adams starts as sales director after joining from Santander UK.
There was an 8.4% rise in people applying for a second charge in the first half of 2018 compared to the corresponding period in 2017.
The panel will have four lenders: Funding Circle, iwoca, Whiteoak and Fleximise.
If it wasn’t Brexit it would have been something else so why not let the tide go out and see what the industry has been doing with itself since the credit crunch?
Cardiff based Optimum Credit was established in 2014 and has a second charge loan book of more than £450m.
Realrates.com is a venture from Stuart Glendinning, former managing director of moneysupermarket.com
The lender said it wanted to challenge the ‘financial blandscape’ and use branding to reflect the ‘lifestyle lending’ that the industry requires.