Access Business Finance Ltd
Reference number: 974744
Instant download
Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 March 2026
Responsible principal firm
EFT Finance Limited Reference number: 667290 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Access Business Finance Ltd (FRN 974744) is an AR of EFT Finance Limited (FRN 667290). When you use Access Business Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Access Business Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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Phone number
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Address
Unit 17 Stephenson Court, Fraser Road, Priory Business Park, Bedford, MK44 3WJ, United Kingdom
In the full report: 3 background checks
- When access-bf.com first appeared online, and whether it can receive email
- What kind of line 01234 413349 is
- Who else gives the postcode MK44 3WJ
FCA permissions and consumer protection
- Protection through the principal firmProtection works through EFT Finance Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 13788089 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 7 December 2021 (4 years old)
- Registered office
- Unit 17 Stephenson Court, Fraser Road, Priory Business Park, Bedford, MK44 3WJ, England
- Nature of business
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- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Christopher Kirtley | Director | Jan 1998 | 25 Mar 2022 | None |
| Curtis Perkins | Director | Jan 1996 | 25 Mar 2022 | None |
In the full report: every company its directors have run
- Confirmation that these 2 directors run no other company
- All 3 people who have been directors, with their dates
Filed accounts and finances
Net assets
£76.0k
+39% from £54.8k
Cash at bank
£129k
+38% from £93.7k
Employees (average)
14
+40% from 10
Owed within a year
£119k
+25% from £95.2k
Assets and liabilities
In the full report: all 4 years of accounts
- Every year from 2023 to 2026
- The chart, over every year
- Every filed figure, year by year
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 13788089. 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
Access Business Finance’s history from the FCA register and Companies House, newest first.
2022
28 April 2022
- Became an appointed representative
FCA register
12 April 2022
- Jordan David Senior gave up control
Companies House
25 March 2022
- Christopher Kirtley became a part-owner (25–50% of shares)
- Curtis Perkins became a part-owner (25–50% of shares)
Companies House
2021
7 December 2021
- Incorporated at Companies House
- Jordan David Senior took control (75–100% of shares)
Companies House
In the full report: all 10 events
- All 10 events in its history (6 shown here)
- Every director appointment and resignation: 4
Firms like Access Business Finance
Other firms of the same type (credit broker), nearest first.
In Bedford
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 Access Business Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 3 background checks on its contact details
- 4 years of accounts, charted
- All 10 events in its history
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Frequently asked questions about this firm
Is Access Business Finance Ltd FCA authorised?
What does appointed representative mean for Access Business Finance?
What is Access Business Finance’s phone number and website?
Is Access Business Finance a scam or clone?
Is my money safe with Access Business Finance?
Who owns Access Business Finance?
Who runs Access Business Finance?
How long has Access Business Finance been in business?
What do Access Business Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk