Choice Money Limited

Reference number: 667915

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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, 1 thing worth a closer look

  • When choicecommercialfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01494 410125 is
  • Who else gives the postcode HP7 0PX
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Other names (5)

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

  • Choice Business Loans Trading name
  • Choice Commercial Finance Trading name
  • Choice Loans Trading name
  • Choice Personal Loans Trading name
  • Business Loans Former 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
07313805
Company status
Active
Company type
Private limited company
Incorporated
14 July 2010 (16 years old)
Registered office
Unit R1a Front Rapide Studios De Havilland Court, Penn Street, Amersham, HP7 0PX, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
John Joseph O'Farrell Director May 1974 14 Jul 2010 7 other companies
Sharon Tracey Cook Director Jul 1976 25 Nov 2020 None
Clare O'Farrell Secretary Not published 14 Jul 2010 –

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
still active
7
is FCA-registered
1

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
  • The one on the FCA register
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Filed accounts and finances

Year to 31 July 2025Small company accountsNot audited

Net assets

£186k

+17% from £159k

Cash at bank

£205k

+62% from £127k

Employees (average)

6

Same as 6

Owed within a year

£22.6k

+12% from £20.3k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 07313805. 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

Choice Money’s history from the FCA register and Companies House, newest first.

Key events (5) All events (15)

2017

18 September 2017

  • Clare Louise O'Farrell became a part-owner (25–50% of shares)

Companies House

2016

25 July 2016

  • John Joseph O'Farrell became a part-owner (25–50% of shares)

Companies House

2015

15 June 2015

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

FCA register

2010

14 July 2010

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (5 shown here)
  • Every director appointment and resignation: 2
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Firms connected to Choice Money

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

connected firms
3
share a director
1
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (1), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Choice Money

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

In Amersham

David Michael AitkenAmershamAuthorisedNick John Ingram McGowanAmershamAuthorisedRobsons (Amersham) LLPAmershamAuthorisedVolante Software and Services LtdAmershamAppointed representative

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 Choice Money

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, 1 flagged
  • 7 years of accounts, charted
  • All 15 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Choice Money Limited FCA authorised?
Yes, Choice Money Limited (FRN 667915) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Choice Money’s phone number and website?
The FCA register lists the phone number 01494 410125 and the website choicecommercialfinance.co.uk for Choice Money. If you were given different contact details, use these to check with the firm before going any further.
Is Choice Money a scam or clone?
Choice Money 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 Choice Money?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Choice Money handles your money, so check the specific product before you commit. You can also refer complaints about Choice Money to the Financial Ombudsman Service, free of charge.
Who owns Choice Money?
Companies House lists 2 people with significant control of Choice Money: Ms Clare Louise O'Farrell (25–50% of shares) and Mr John Joseph O'Farrell (25–50% of shares).
Who runs Choice Money?
Companies House lists 2 directors of Choice Money: John Joseph O'Farrell and Sharon Tracey Cook.
How long has Choice Money been in business?
The company was formed on 14 July 2010, and has held its current FCA authorisation since June 2015.
What do Choice Money’s latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £186k (+17% from £159k) and cash at bank of £205k (+62% from £127k).
Does Choice Money use any other names?
It trades as Choice Business Loans, Choice Commercial Finance, Choice Loans and Choice Personal Loans. It has previously used the name Business Loans.

Sources and links

The full report on Choice Money Limited

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