Business Financing Solutions Limited

Reference number: 716012

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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 positivecommercialfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 763 0321 is
  • Who else gives the postcode BL6 4SD
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Other names (1)

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

  • Positive Commercial Finance 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.
  • 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 (6 permissions)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts

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
06451075
Company status
Active
Company type
Private limited company
Incorporated
11 December 2007 (18 years old)
Registered office
Fourth Floor, Unit 5b The Parklands, Lostock, Bolton, BL6 4SD, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Mark Waddicker Director Dec 1972 11 Aug 2009 6 other companies
Louise Carol Waddicker Director Nov 1977 1 Jan 2012 1 other company

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
7
closed down
5
still active
2

In the full report: all 7 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
  • All 5 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 28 February 2026Full accountsNot audited

Net assets

£389k

−26% from £527k

Cash at bank

£44.7k

−82% from £250k

Owed within a year

£119k

+5.3% from £113k

Assets and liabilities

In the full report: all 5 years of accounts

  • Every year from 2022 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.

Accounts filed at Companies House for company 06451075. 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

Business Financing Solutions’s history from the FCA register and Companies House, newest first.

Key events (5) All events (17)

2016

6 April 2016

  • John Waddicker became a part-owner (25–50% of shares)
  • Louise Carol Waddicker became a part-owner (25–50% of shares)

Companies House

2015

27 November 2015

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

FCA register

2007

11 December 2007

  • Incorporated at Companies House

Companies House

In the full report: all 17 events

  • All 17 events in its history (5 shown here)
  • Every director appointment and resignation: 9
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Firms like Business Financing Solutions

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

In Bolton

A G Mortgages LimitedBoltonAuthorisedBarlow Irvin Financial Services LtdBoltonAuthorisedCorniche Financial Services LtdBoltonAuthorisedFluent Money LimitedBoltonAuthorisedIMT Financial LimitedBoltonAuthorisedK&m Walker Enterprises LimitedBoltonAuthorised

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 Business Financing Solutions

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 17 events in its history

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Frequently asked questions about this firm

Is Business Financing Solutions Limited FCA authorised?
Yes, Business Financing Solutions Limited (FRN 716012) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Business Financing Solutions’ phone number and website?
The FCA register lists the phone number 0161 763 0321 and the website positivecommercialfinance.co.uk for Business Financing Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Business Financing Solutions a scam or clone?
Business Financing Solutions 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 Business Financing Solutions?
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 Business Financing Solutions to the Financial Ombudsman Service, free of charge.
Who owns Business Financing Solutions?
Companies House lists 2 people with significant control of Business Financing Solutions: Mr John Waddicker (25–50% of shares) and Mrs Louise Carol Waddicker (25–50% of shares).
Who runs Business Financing Solutions?
Companies House lists 2 directors of Business Financing Solutions: John Mark Waddicker and Louise Carol Waddicker.
How long has Business Financing Solutions been in business?
The company was formed on 11 December 2007, and has held its current FCA authorisation since November 2015.
What do Business Financing Solutions’ latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £389k (−26% from £527k) and cash at bank of £44.7k (−82% from £250k).
Does Business Financing Solutions use any other names?
It trades as Positive Commercial Finance.

Sources and links

The full report on Business Financing Solutions Limited

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