Bowland Finance Limited

Reference number: 920692

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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 bowlandfinance.com first appeared online, and whether it can receive email
  • What kind of line 01524 938743 is
  • Who else gives the postcode LA5 9RN
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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)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
12324302
Company status
Active
Company type
Private limited company
Incorporated
20 November 2019 (6 years old)
Registered office
Hallmore House, Hale, Milnthorpe, LA7 7BP, United Kingdom
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name Role Born Appointed Other companies
John Charles Morphet Director Nov 1954 20 Nov 2019 20 other companies

Other companies run by its director

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
20
closed down
5
are FCA-registered
8

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of its director sits on each board, and since when
  • Any that went into liquidation or administration
  • The 8 on the FCA register, including 3 no longer authorised
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Micro-entity accountsNot audited

Total equity

£671k

+58% from £424k

Employees (average)

0

Same as 0

Owed within a year

£6.24m

+9.2% from £5.71m

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 to 2026
  • 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 12324302. 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

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

Key events (5) All events (10)

2020

2 December 2020

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2019

20 November 2019

  • Incorporated at Companies House
  • John Charles Morphet took control (75–100% of shares)

Companies House

In the full report: all 10 events

  • All 10 events in its history (5 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Bowland Finance

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

connected firm
1
share a director
1
past links
7

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
  • 7 past links through former directors
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Firms like Bowland Finance

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

In Carnforth

North Star Financial Consultants LtdCarnforthAuthorisedHowsons LimitedCarnforthAuthorisedMac Tools LimitedCarnforthAuthorised

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 Bowland Finance

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

  • 20 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 10 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Bowland Finance Limited FCA authorised?
Yes, Bowland Finance Limited (FRN 920692) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2020 and works as a lender. The FCA has placed a limit on what it may do.
What is Bowland Finance’s phone number and website?
The FCA register lists the phone number 01524 938743 and the website bowlandfinance.com for Bowland Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Bowland Finance a scam or clone?
Bowland 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 Bowland Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Bowland Finance handles your money, so check the specific product before you commit. You can also refer complaints about Bowland Finance to the Financial Ombudsman Service, free of charge.
Who owns Bowland Finance?
Companies House lists one person with significant control of Bowland Finance: Mr John Charles Morphet (75–100% of shares).
Who runs Bowland Finance?
Companies House lists one director of Bowland Finance: John Charles Morphet.
How long has Bowland Finance been in business?
The company was formed on 20 November 2019, and has held its current FCA authorisation since December 2020.
What do Bowland Finance’s latest accounts show?
Its latest accounts, to 31 January 2026, show total equity of £671k (+58% from £424k).

Sources and links

The full report on Bowland Finance Limited

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