Career Advance Finance Ltd

Reference number: 957719

Instant download

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 studentfinance.com first appeared online, and whether it can receive email
  • What kind of line 07538 288830 is
  • Who else gives the postcode E13 8AA
Instant PDF download
Other names (4)

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

  • Mydra Trading name
  • Mydra.io Trading name
  • StudentFinance Trading name
  • StudentFinance.com 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

  • Use of open banking data for self employed borrowers
    When conducting affordability assessments for regulated consumer credit agreements with self-employed borrowers, we never take account of income and expenditure solely by reference to open banking data. We also undertake to ensure self-employed consumers are not included in systems that solely rely on the automated assessment of open banking data unless and until the FCA has confirmed that they have no material concerns with the system and/or methodology we plan to use.

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
12790122
Company status
Active
Company type
Private limited company
Incorporated
4 August 2020 (6 years old)
Registered office
173 Balaam Street, London, Greater London, E13 8AA, England
Nature of business
  • Educational support services (SIC 85600)

Directors and company secretaries

Name Role Born Appointed Other companies
Marta Palmeiro Director Feb 1985 4 Aug 2020 None
Amer Bhatti Director Jan 1989 3 Mar 2022 2 other companies

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
2
still active
2

In the full report: all 2 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 3 people who have ever been directors, with their dates
Instant PDF download

Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

−£288k

Down £87.7k from −£200k

Employees (average)

3

Same as 3

Owed within a year

£844k

+23% from £685k

Net assets are negative: on its last balance sheet the company owed £288k more than it owned.

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2021 to 2025
  • The chart, over every year
  • Every filed figure, year by year
Instant PDF download
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 12790122. 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

Career Advance Finance’s history from the FCA register and Companies House, newest first.

Key events (7) All events (17)

2024

24 October 2024

  • FCA imposed a requirement (Use of open banking data for self employed borrowers)

FCA register

2022

27 April 2022

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

FCA register

2021

9 July 2021

  • Mariano Kostelec gave up control
  • Studentfinance Group Ltd took control (75–100% of shares)

Companies House

2020

4 August 2020

  • Incorporated at Companies House
  • Mariano Kostelec took control (75–100% of shares)

Companies House

In the full report: all 17 events

  • All 17 events in its history (7 shown here)
  • Every director appointment and resignation: 4
Instant PDF download

Firms like Career Advance Finance

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

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 Career Advance Finance

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

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

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Career Advance Finance Ltd FCA authorised?
Yes, Career Advance Finance Ltd (FRN 957719) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since April 2022 and works as a lender. The FCA has placed a limit on what it may do.
What is Career Advance Finance’s phone number and website?
The FCA register lists the phone number 07538 288830 and the website studentfinance.com/uk for Career Advance Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Career Advance Finance a scam or clone?
Career Advance Finance 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 Career Advance Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Career Advance Finance handles your money, so check the specific product before you commit. You can also refer complaints about Career Advance Finance to the Financial Ombudsman Service, free of charge.
Who owns Career Advance Finance?
Career Advance Finance is owned by Studentfinance Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 9 July 2021. Before that, it was controlled by Mr Mariano Kostelec.
Who runs Career Advance Finance?
Companies House lists 2 directors of Career Advance Finance: Marta Palmeiro and Amer Bhatti.
How long has Career Advance Finance been in business?
The company was formed on 4 August 2020, and has held its current FCA authorisation since April 2022.
What do Career Advance Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£288k (down £87.7k from −£200k).
Does Career Advance Finance use any other names?
It trades as Mydra, Mydra.io, StudentFinance and StudentFinance.com.

Sources and links

The full report on Career Advance Finance Ltd

£19.99 · Instant PDF download

Loading secure checkout…