Capital Business Loans Limited

Reference number: 1000382

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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 capitalbusinessloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 01244 906505 is
  • Who else gives the postcode CH1 4EE
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Other names (2)

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

  • Practice Capital Trading name
  • SME Finance Hub 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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
14491729
Company status
Active
Company type
Private limited company
Incorporated
18 November 2022 (3 years old)
Registered office
Capital Business Loans Limited Suite 31, Shiftworks, 14 Upper Northgate Street, Chester, CH1 4EE, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Simon David Emmerson Director Sep 1971 18 Nov 2022 None
Beth Parry Director Apr 1997 18 Nov 2022 None
Andrew Ian Yates Director Apr 1992 18 Nov 2022 None

In the full report: every company its directors have run

  • Confirmation that these 3 directors run no other company
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Filed accounts and finances

Year to 30 November 2025Micro-entity accountsNot audited

Net assets

£121k

+96% from £61.5k

Employees (average)

3

Same as 3

Owed within a year

£64.1k

+71% from £37.5k

Assets and liabilities

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 14491729. 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

Capital Business Loans’s history from the FCA register and Companies House, newest first.

Key events (6) All events (14)

2023

22 November 2023

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

FCA register

2022

18 November 2022

  • Incorporated at Companies House
  • Andrew Ian Yates became a part-owner (25–50% of shares)
  • Beth Parry became a part-owner (25–50% of shares)
  • Simon David Emmerson became a part-owner (25–50% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (6 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Capital Business Loans

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Capital Business Loans

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

In Chester

AJL Finance LimitedChesterAuthorisedDee Valley Finance LimitedChesterAuthorisedDigitonomy LimitedChesterAuthorisedFlux Funding LimitedChesterAuthorisedOakhurst Finance LimitedChesterAuthorisedStephen Charles EllisChesterAuthorised

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 Capital Business Loans

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Capital Business Loans Limited FCA authorised?
Yes, Capital Business Loans Limited (FRN 1000382) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2023 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Capital Business Loans’ phone number and website?
The FCA register lists the phone number 01244 906505 and the website capitalbusinessloans.co.uk for Capital Business Loans. If you were given different contact details, use these to check with the firm before going any further.
Is Capital Business Loans a scam or clone?
Capital Business Loans 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 Capital Business Loans?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Capital Business Loans handles your money, so check the specific product before you commit. You can also refer complaints about Capital Business Loans to the Financial Ombudsman Service, free of charge.
Who owns Capital Business Loans?
Companies House lists 3 people with significant control of Capital Business Loans: Mr Andrew Ian Yates (25–50% of shares), Mr Simon David Emmerson (25–50% of shares) and Miss Beth Parry (25–50% of shares).
Who runs Capital Business Loans?
Companies House lists 3 directors of Capital Business Loans: Simon David Emmerson, Beth Parry and Andrew Ian Yates.
How long has Capital Business Loans been in business?
The company was formed on 18 November 2022, and has held its current FCA authorisation since November 2023.
What do Capital Business Loans’ latest accounts show?
Its latest accounts, to 30 November 2025, show net assets of £121k (+96% from £61.5k).
Does Capital Business Loans use any other names?
It trades as Practice Capital and SME Finance Hub.

Sources and links

The full report on Capital Business Loans Limited

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