Bywater Finance Ltd
Reference number: 1058106
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Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for under a year
- Protected through the principal
- No FCA actions
- Active company since 2026
- 1 thing worth a closer look in the background checks
Responsible principal firm
Commercial Finance Associates Limited Reference number: 710013 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.
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.
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Phone number
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Address
12 Kirkby Close, Southwell, Nottinghamshire, NG25 0DG, United Kingdom
In the full report: 3 background checks, 1 thing worth a closer look
- When bywaterfinance.co.uk first appeared online, and whether it can receive email
- What kind of line 01623 883531 is, and the other firm that gives it
- Who else gives the postcode NG25 0DG
FCA permissions and consumer protection
- Protection through the principal firmProtection 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 Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- 17264306 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 5 June 2026 (less than a year old)
- Registered office
- Blue Pig Cottage, 1 Elmer Street, Grantham, Lincs, NG31 6RE, United Kingdom
- Nature of business
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- Financial leasing (SIC 64910)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Charles Philip Pountney | Director | Jul 1974 | 5 Jun 2026 | 1 other company |
| Elizabeth Pountney | Director | May 1973 | 5 Jun 2026 | None |
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 company
- 1
- still active
- 1
- is FCA-registered
- 1
In the full report: all 1 company, 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 one on the FCA register
Key dates in its history
Bywater Finance’s history from the FCA register and Companies House, newest first.
2026
10 August 2026
- Became an appointed representative
FCA register
5 June 2026
- Incorporated at Companies House
- Charles Philip Pountney became a part-owner (25–50% of shares)
- Elizabeth Pountney became a part-owner (25–50% of shares)
- Charles Philip Pountney appointed as a director
- Elizabeth Pountney appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Bywater Finance
Other FCA-listed firms that share a director, phone number or address with Bywater Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Bywater Finance
Other firms of the same type (credit broker), nearest first.
In Southwell
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 Bywater Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 1 other company its directors have run, named
- 3 background checks on its contact details, 1 flagged
- All 6 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for Bywater Finance?
What is Bywater Finance’s phone number and website?
Is Bywater Finance a scam or clone?
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Who owns Bywater Finance?
Who runs Bywater Finance?
How long has Bywater Finance been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk