Aspire Commercial Finance Limited

Reference number: 690089

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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 swbf.co.uk first appeared online, and whether it can receive email
  • What kind of line 07753 176769 is
  • Who else gives the postcode SN13 0HN
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Other names (5)

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

  • ACF Trading name
  • APF Trading name
  • Aspire Property Finance Trading name
  • South West Business Finance Trading name
  • SWBF Trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (13 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL Advisor
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
09076273
Company status
Active
Company type
Private limited company
Incorporated
9 June 2014 (12 years old)
Registered office
The Old Post Office, 41-43 Market Place, Chippenham, Wiltshire, SN15 3HR, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Steven Keith Barrett Director Jun 1969 9 Jun 2014 1 other company
Daniel Phillip William Smith Director Jul 1978 9 Jun 2014 None

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 company
1
still active
1

In the full report: all 1 company, 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
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Filed accounts and finances

6 months to 30 September 2025Small company accountsNot audited

Net assets

£55.7k

Up £51.3k from £4,365

Cash at bank

£114k

+115% from £52.9k

Employees (average)

8

−11% from 9

Owed within a year

£186k

+13% from £165k

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 09076273. 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

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

Key events (5) All events (13)

2016

6 April 2016

  • Daniel Phillip William Smith became a part-owner (25–50% of shares)
  • Steven Keith Barrett became a part-owner (25–50% of shares)

Companies House

2015

29 October 2015

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

FCA register

2014

9 June 2014

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Aspire Commercial Finance

Other FCA-listed firms that share a director, phone number or address with Aspire Commercial Finance. 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 Aspire Commercial Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In Corsham

Manage Your Mortgage LtdCorshamAuthorisedOne 77 Mortgages LimitedCorshamAuthorisedFunded Finance LtdCorshamAppointed representativeVersion Two Media LtdCorshamAuthorised

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 Aspire Commercial Finance

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Aspire Commercial Finance Limited FCA authorised?
Yes, Aspire Commercial Finance Limited (FRN 690089) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Aspire Commercial Finance’s phone number and website?
The FCA register lists the phone number 07753 176769 and the website swbf.co.uk for Aspire Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Aspire Commercial Finance a scam or clone?
Aspire 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 Aspire Commercial Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Aspire Commercial Finance to the Financial Ombudsman Service, free of charge.
Who owns Aspire Commercial Finance?
Companies House lists 2 people with significant control of Aspire Commercial Finance: Mr Steven Keith Barrett (25–50% of shares) and Mr Daniel Phillip William Smith (25–50% of shares).
Who runs Aspire Commercial Finance?
Companies House lists 2 directors of Aspire Commercial Finance: Steven Keith Barrett and Daniel Phillip William Smith.
How long has Aspire Commercial Finance been in business?
The company was formed on 9 June 2014, and has held its current FCA authorisation since October 2015.
What do Aspire Commercial Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £55.7k (up £51.3k from £4,365) and cash at bank of £114k (+115% from £52.9k).
Does Aspire Commercial Finance use any other names?
It trades as ACF, APF, Aspire Property Finance, South West Business Finance and SWBF.

Sources and links

The full report on Aspire Commercial Finance Limited

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