Arbuthnot Commercial Asset Based Lending: FCA regulated?

On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

Registered for 8 years
No FCA actions
Active company since 2017
One of its directors is also a director of a firm that is no longer authorised

What does this mean?

Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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.

No website on the FCA register
No phone number on the FCA register
Address

The Beehive, City Place, Gatwick, West Sussex, RH6 0PA, United Kingdom

In the full report: 1 background check

Who else gives the postcode RH6 0PA

Past FCA permissions and consumer protection

Money-laundering registration only
This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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 name: ARBUTHNOT COMMERCIAL ASSET BASED LENDING LIMITED
Company number: 10915339 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 14 August 2017 (9 years old)
Registered office: Arbuthnot House, 20 Finsbury Circus, London, EC2M 7EA, United Kingdom
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Timothy James Hawkins	Director	Sep 1964	5 Feb 2018	1 other company
James Edward Richard Shaw	Director	Jul 1969	27 Apr 2018	None
James Robert Cobb	Director	Dec 1968	27 Apr 2018	25 other companies
Andrew Alfred Salmon	Director	Oct 1962	27 Apr 2018	19 other companies
Steven Graham Cantlin	Director	Feb 1978	28 Feb 2019	None
Kevin David Craven	Director	Oct 1968	1 Jul 2026	None
Nicholas David De Burgh Jennings	Secretary	Not published	13 Jul 2018	–

Other companies run by these 6 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: 27
closed down: 7
are FCA-registered: 4

In the full report: all 27 companies, named

What each company does, and whether it is still trading
Which of these 6 directors sit on each board, and since when
Any that went into liquidation or administration
The 4 on the FCA register, including one no longer authorised
The 18 companies these 6 directors run together
All 12 people who have ever been directors, with their dates

Key dates in its history

Arbuthnot Commercial Asset Based Lending’s history from the FCA register and Companies House, newest first.

Key events (5) All events (19)

2018

26 February 2018

Registered with the FCA

FCA register

2017

7 November 2017

Arbuthnot Latham & Co., Limited took control (75–100% of shares)
Inhoco Formations Limited gave up control

Companies House

14 August 2017

Incorporated at Companies House
Inhoco Formations Limited took control (75–100% of shares)

Companies House

In the full report: all 19 events

All 19 events in its history (5 shown here)
Every director appointment and resignation: 14

Firms connected to Arbuthnot Commercial Asset Based Lending

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

connected firms: 5
no longer authorised: 1
share a director: 3

In the full report: all 5 connected firms, named

How each is linked: shared directors (3), the same postcode (2)
Who links each one: the named directors, with dates
1 past link through former directors

Get the full report on Arbuthnot Commercial Asset Based Lending

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

27 other companies its directors have run, named
1 background check on its contact details
All 19 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Arbuthnot Commercial Asset Based Lending FCA authorised?

Arbuthnot Commercial Asset Based Lending (FRN 799670) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.

Is Arbuthnot Commercial Asset Based Lending a scam or clone?

Arbuthnot Commercial Asset Based Lending is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.

Is my money safe with Arbuthnot Commercial Asset Based Lending?

Money you hand to Arbuthnot Commercial Asset Based Lending is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

Who owns Arbuthnot Commercial Asset Based Lending?

Arbuthnot Commercial Asset Based Lending is owned by Arbuthnot Latham & Co., Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 7 November 2017. Before that, it was controlled by Inhoco Formations Limited.

Who runs Arbuthnot Commercial Asset Based Lending?

Companies House lists 6 directors of Arbuthnot Commercial Asset Based Lending: Timothy James Hawkins, James Edward Richard Shaw, James Robert Cobb, Andrew Alfred Salmon, Steven Graham Cantlin and Kevin David Craven.

How long has Arbuthnot Commercial Asset Based Lending been in business?

The company was formed on 14 August 2017.