Bonington Loans Ltd

Reference number: 805272

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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 boningtonloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 0131 564 0728 is
  • Who else gives the postcode EH54 8GA
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Other names (10)

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

  • Boardroom Punks Trading name
  • Creditflow Trading name
  • Drummond Melville Trading name
  • Lending Punks Trading name
  • Punk Business Loans Trading name
  • Punks Loans Trading name
  • Secured Business Lending Trading name
  • Punks Business Loans Former trading name
  • www.pawnbrokeronline.co.uk Former trading name
  • Your Silent Partner 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 (2 permissions)
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

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
11100941
Company status
Active
Company type
Private limited company
Incorporated
7 December 2017 (8 years old)
Registered office
82a James Carter Road, Mildenhall, Suffolk, IP28 7DE, England
Nature of business
  • Other information service activities not elsewhere classified (SIC 63990)

Directors and company secretaries

Name Role Born Appointed Other companies
David Morgan Director Apr 1965 7 Dec 2017 10 other companies
Joanne Claire Turner Director Jun 1983 1 Apr 2025 10 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
19
closed down
11
run together
1

In the full report: all 19 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£197k

+8.7% from £181k

Employees (average)

0

Same as 0

Owed within a year

£164k

+141% from £68.3k

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 11100941. 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

Bonington Loans’s history from the FCA register and Companies House, newest first.

Key events (6) All events (28)

2019

4 April 2019

  • David Morgan took control (75–100% of shares)
  • Scott Gregory Smith gave up control

Companies House

2018

21 June 2018

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

FCA register

2017

7 December 2017

  • Incorporated at Companies House
  • Scott Gregory Smith took control (75–100% of shares)

Companies House

In the full report: all 28 events

  • All 28 events in its history (6 shown here)
  • Every director appointment and resignation: 6
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Firms like Bonington Loans

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

In the Edinburgh (EH) postcode area

Tesco Personal Finance LimitedEdinburghAuthorisedBathgate Golf ClubBathgateAuthorisedEast Lothian Investments LimitedHaddingtonAuthorisedPawel MajdanBathgateAuthorisedRavenstone Financial LtdEdinburghAuthorisedReed Financial Planning LimitedWest LintonAuthorised

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 Bonington Loans

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

  • 19 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 28 events in its history

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Frequently asked questions about this firm

Is Bonington Loans Ltd FCA authorised?
Yes, Bonington Loans Ltd (FRN 805272) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2018 and works as a lender. The FCA has placed no limits on its permissions.
What is Bonington Loans’ phone number and website?
The FCA register lists the phone number 0131 564 0728 and the website boningtonloans.co.uk for Bonington Loans. If you were given different contact details, use these to check with the firm before going any further.
Is Bonington Loans a scam or clone?
Bonington Loans 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 Bonington Loans?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Bonington Loans handles your money, so check the specific product before you commit. You can also refer complaints about Bonington Loans to the Financial Ombudsman Service, free of charge.
Who owns Bonington Loans?
Companies House lists one person with significant control of Bonington Loans: Mr David Morgan (75–100% of shares). Before that, it was controlled by Mr Scott Gregory Smith.
Who runs Bonington Loans?
Companies House lists 2 directors of Bonington Loans: David Morgan and Joanne Claire Turner.
How long has Bonington Loans been in business?
The company was formed on 7 December 2017, and has held its current FCA authorisation since June 2018.
What do Bonington Loans’ latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £197k (+8.7% from £181k).
Does Bonington Loans use any other names?
It trades as Boardroom Punks, Creditflow, Drummond Melville, Lending Punks and Punk Business Loans, and 2 more names. It has previously used 3 other names: Punks Business Loans, www.pawnbrokeronline.co.uk and Your Silent Partner.

Sources and links

The full report on Bonington Loans Ltd

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