Brighter Lending Limited

Reference number: 928634

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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 tootloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 452 0079 is
  • Who else gives the postcode L2 2DT
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Other names (4)

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

  • Toot Loans Trading name
  • Checkio Former trading name
  • Illumin8 Former trading name
  • Illumin8.tech 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)

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
12038032
Company status
Active
Company type
Private limited company
Incorporated
7 June 2019 (7 years old)
Registered office
C/O Ashurst Accountancy 17 Duke Street, Formby, Liverpool, L37 4AN, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
John William Hughes Director May 1981 7 May 2020 6 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
6
closed down
3
still active
3

In the full report: all 6 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
  • All 3 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 October 2025Micro-entity accountsNot audited

Net assets

£2.21m

+71% from £1.29m

Employees (average)

3

−57% from 7

Owed within a year

£488k

−54% from £1.05m

Net assets

In the full report: all 5 years of accounts

  • Every year from 2020 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 12038032. 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

Brighter Lending’s history from the FCA register and Companies House, newest first.

Key events (11) All events (26)

2025

31 August 2025

  • Emma McConlough no longer has significant control

Companies House

2022

31 July 2022

  • Emma McConlough gained significant control
  • Paul Woodworth no longer has significant control

Companies House

2021

27 May 2021

  • 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

2020

7 May 2020

  • John William Hughes became the majority owner (50–75% of shares)
  • Paul Woodworth gained significant control
  • Refresh Finance Group Limited gave up control

Companies House

2019

7 June 2019

  • Incorporated at Companies House
  • Refresh Finance Group Limited took control (75–100% of shares)

Companies House

In the full report: all 26 events

  • All 26 events in its history (11 shown here)
  • Every director appointment and resignation: 5
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Firms like Brighter Lending

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

In Liverpool

Shop Direct Finance Company LimitedLiverpoolAuthorisedAcorn Insurance and Financial Services LimitedLiverpoolAuthorisedA & E E Callan LimitedLiverpoolAuthorisedA & S SuppliesliverpoolAuthorisedAlan O'connorLiverpoolAuthorisedAsh Loans LimitedLiverpoolAuthorised

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 Brighter Lending

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 26 events in its history

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Frequently asked questions about this firm

Is Brighter Lending Limited FCA authorised?
Yes, Brighter Lending Limited (FRN 928634) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since May 2021 and works as a lender. The FCA has placed a limit on what it may do.
What is Brighter Lending’s phone number and website?
The FCA register lists the phone number 0151 452 0079 and the website tootloans.co.uk for Brighter Lending. If you were given different contact details, use these to check with the firm before going any further.
Is Brighter Lending a scam or clone?
Brighter Lending 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 Brighter Lending?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Brighter Lending handles your money, so check the specific product before you commit. You can also refer complaints about Brighter Lending to the Financial Ombudsman Service, free of charge.
Who owns Brighter Lending?
Companies House lists one person with significant control of Brighter Lending: Mr John William Hughes (50–75% of shares). Before that, it was controlled by Refresh Finance Group Limited, Mr Paul Woodworth and Miss Emma McConlough.
Who runs Brighter Lending?
Companies House lists one director of Brighter Lending: John William Hughes.
How long has Brighter Lending been in business?
The company was formed on 7 June 2019, and has held its current FCA authorisation since May 2021.
What do Brighter Lending’s latest accounts show?
Its latest accounts, to 31 October 2025, show net assets of £2.21m (+71% from £1.29m).
Does Brighter Lending use any other names?
It trades as Toot Loans. It has previously used 3 other names: Checkio, Illumin8 and Illumin8.tech.

Sources and links

The full report on Brighter Lending Limited

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