Bywater Finance Ltd

Reference number: 1058106

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

Responsible principal firm

Commercial Finance Associates Limited Reference number: 710013 Authorised View firm →
What does this mean?
  • An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
  • Bywater Finance Ltd (FRN 1058106) is an AR of Commercial Finance Associates Limited (FRN 710013). When you use Bywater Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Bywater Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
  • Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.

Identity

Check their details

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.

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Protection through the principal firm
    Protection works through Commercial Finance Associates Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Bywater Finance Ltd FCA authorised?
Bywater Finance Ltd (FRN 1058106) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Bywater Finance?
An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct. Bywater Finance Ltd (FRN 1058106) is an AR of Commercial Finance Associates Limited (FRN 710013). When you use Bywater Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Bywater Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances. Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
Is my money safe with Bywater Finance?
Protection works through Commercial Finance Associates Limited, the principal firm responsible for Bywater Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Bywater Finance a scam or clone?
Bywater Finance is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Bywater Finance's Firm Reference Number (FRN)?
Bywater Finance's FRN is 1058106. You can verify it on the FCA register.