2XL Commercial Finance Ltd

Reference number: 724449

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When 2xlcommercial.com first appeared online, and whether it can receive email
  • What kind of line 01625 421976 is
  • Who else gives the postcode LE12 5AX
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • 2XL Commercial Trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
06570063
Company status
Active
Company type
Private limited company
Incorporated
18 April 2008 (18 years old)
Registered office
C/O Dpc Stone House, 55 Stone Road Business Park, Stoke-On-Trent, Staffordshire, ST4 6SR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Darren Paul Willoughby Director Nov 1979 28 May 2008 3 other companies
Maxwell Stinchcombe Director Mar 1952 3 Oct 2018 None
Timothy Richard Bamber Secretary Not published 28 May 2008 –

Other companies run by these 2 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
3
closed down
2
still active
1

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 August 2025Small company accountsNot audited

Net assets

£2,397

−89% from £21.5k

Cash at bank

£12.6k

−80% from £62.1k

Employees (average)

2

Same as 2

Owed within a year

£17.7k

−60% from £44.1k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • The chart, over every year
  • Every filed figure, year by year
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About these figures
Turnover
Money taken from sales in the year, before any costs.
Profit before tax
What was left after the year’s costs, before corporation tax. A minus figure is a loss.
Net assets, or total equity
Everything the company owns minus everything it owes. A minus figure means it owes more than it owns.
Total assets and total liabilities
Everything the company owns, and everything it owes, on the last day of the year. The gap between them is its net assets.
Cash at bank
Money in the company’s accounts on the last day of the year.
Owed within a year, owed after a year
Debts and bills due in the next twelve months, and those due later.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 06570063. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

2XL Commercial Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (22)

2016

26 April 2016

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

6 April 2016

  • Bamber Investments Ltd gained significant control
  • Willoughby Investments Limited took control (75–100% of shares)

Companies House

2008

18 April 2008

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (5 shown here)
  • Every director appointment and resignation: 12
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Firms like 2XL Commercial Finance

Other firms of the same type (credit broker), nearest first.

In Loughborough

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Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on 2XL Commercial Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history

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Frequently asked questions about this firm

Is 2XL Commercial Finance Ltd FCA authorised?
Yes, 2XL Commercial Finance Ltd (FRN 724449) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2016 and works as a credit broker. The FCA has placed no limits on its permissions.
What is 2XL Commercial Finance’s phone number and website?
The FCA register lists the phone number 01625 421976 and the website 2xlcommercial.com for 2XL Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is 2XL Commercial Finance a scam or clone?
2XL Commercial Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with 2XL Commercial Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how 2XL Commercial Finance handles your money, so check the specific product before you commit. You can also refer complaints about 2XL Commercial Finance to the Financial Ombudsman Service, free of charge.
Who owns 2XL Commercial Finance?
2XL Commercial Finance is owned by Willoughby Investments Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs 2XL Commercial Finance?
Companies House lists 2 directors of 2XL Commercial Finance: Darren Paul Willoughby and Maxwell Stinchcombe.
How long has 2XL Commercial Finance been in business?
The company was formed on 18 April 2008, and has held its current FCA authorisation since April 2016.
What do 2XL Commercial Finance’s latest accounts show?
Its latest accounts, to 31 August 2025, show net assets of £2,397 (−89% from £21.5k) and cash at bank of £12.6k (−80% from £62.1k).
Does 2XL Commercial Finance use any other names?
It trades as 2XL Commercial.

Sources and links

The full report on 2XL Commercial Finance Ltd

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