4MM Ltd

Reference number: 947962

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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, 1 thing worth a closer look

  • When motorly.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 519 1550 is
  • Who else gives the postcode WA14 1PF
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Other names (10)

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

  • 4MM Group Trading name
  • Everyday Car Loans Trading name
  • Lenderly.co.uk Trading name
  • Motorly Trading name
  • Professor Money Trading name
  • Retired Car Finance Trading name
  • UK Benefit Car Loans Trading name
  • UK Car Loans Trading name
  • UK Key Worker Car Loans Trading name
  • Tenderly.co.uk Former 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
07783098
Company status
Active
Company type
Private limited company
Incorporated
22 September 2011 (15 years old)
Registered office
Enterprise House The Courtyard, Old Courthouse Road, Bromborough, Wirral, Merseyside, CH62 4UE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)
  • Management consultancy activities other than financial management (SIC 70229)

Directors and company secretaries

Name Role Born Appointed Other companies
Laura Caroline Cottrell Director Aug 1979 22 Sep 2011 4 other companies
Justin Cottrell Director May 1973 29 Jun 2012 11 other companies

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
14
closed down
12
run together
1

In the full report: all 14 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
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2025Small company accountsNot audited

Net assets

£156k

+25% from £125k

Cash at bank

£568k

+17% from £488k

Employees (average)

6

+20% from 5

Owed within a year

£432k

+15% from £376k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 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 07783098. 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

4Mm’s history from the FCA register and Companies House, newest first.

Key events (5) All events (20)

2022

11 April 2022

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

FCA register

2016

6 April 2016

  • Justin Cottrell became a part-owner (25–50% of shares)
  • Laura Caroline Cottrell became a part-owner (25–50% of shares)

Companies House

2011

22 September 2011

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to 4Mm

Other FCA-listed firms that share a director, phone number or address with 4Mm. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like 4Mm

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

In Altrincham

A P Hynes & CoAltrinchamAuthorisedAndrew GraysonAltrinchamAuthorisedAuthorised Compliance Ltd.AltrinchamAuthorisedDissolve Debt LimitedAltrinchamAuthorisedPaul AtkinsonAltrinchamAuthorisedSilhouette International (NW) LLPAltrinchamAuthorised

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 4Mm

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

  • 14 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 6 years of accounts, charted
  • All 20 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is 4MM Ltd FCA authorised?
Yes, 4MM Ltd (FRN 947962) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2022 and works as a credit broker. The FCA has placed no limits on its permissions.
What is 4Mm’s phone number and website?
The FCA register lists the phone number 0161 519 1550 and the website motorly.co.uk for 4Mm. If you were given different contact details, use these to check with the firm before going any further.
Is 4Mm a scam or clone?
4Mm 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 4Mm?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how 4Mm handles your money, so check the specific product before you commit. You can also refer complaints about 4Mm to the Financial Ombudsman Service, free of charge.
Who owns 4Mm?
Companies House lists 2 people with significant control of 4Mm: Mr Justin Cottrell (25–50% of shares) and Mrs Laura Caroline Cottrell (25–50% of shares).
Who runs 4Mm?
Companies House lists 2 directors of 4Mm: Laura Caroline Cottrell and Justin Cottrell.
How long has 4Mm been in business?
The company was formed on 22 September 2011, and has held its current FCA authorisation since April 2022.
What do 4Mm’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £156k (+25% from £125k) and cash at bank of £568k (+17% from £488k).
Does 4Mm use any other names?
It trades as 4MM Group, Everyday Car Loans, Lenderly.co.uk, Motorly and Professor Money, and 4 more names. It has previously used the name Tenderly.co.uk.

Sources and links

The full report on 4MM Ltd

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