Empire Commercial Lending Ltd: FCA regulated?

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 2025
Confirmation statement is overdue at Companies House

Responsible principal firm

Optimum Commercial Solutions Ltd Reference number: 808754 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.
Empire Commercial Lending Ltd (FRN 1045247) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Empire Commercial Lending's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from Empire Commercial Lending, 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.

No website on the FCA register
Phone number

07876 333937
Address

Office 9, 15 Pitreavie Court, Dunfermline, KY11 8UU, United Kingdom

In the full report: 2 background checks

What kind of line 07876 333937 is
Who else gives the postcode KY11 8UU

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Optimum Commercial Solutions Ltd, 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, free
You 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.

Concerns on the company record

Confirmation statement is overdue at Companies House.

Company number: SC860568 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 27 August 2025 (1 year old)
Registered office: 15 Pitreavie Court Queensferry Road, Dunfermline, KY11 8UU, Scotland
Nature of business: Activities of mortgage finance companies (SIC 64922)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nathan Hunter	Director	Sep 1987	27 Aug 2025	2 other companies
Craig Murray	Director	Jul 1975	27 Aug 2025	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 companies: 2
still active: 2
is FCA-registered: 1

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
The one on the FCA register

Key dates in its history

Empire Commercial Lending’s history from the FCA register and Companies House, newest first.

2026

19 January 2026

Became an appointed representative

FCA register

2025

27 August 2025

Incorporated at Companies House
Craig Murray became a part-owner (25–50% of shares)
Nathan Hunter became a part-owner (25–50% of shares)
Craig Murray appointed as a director
Nathan Hunter appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Empire Commercial Lending

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

connected firm: 1
share a director: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: shared directors (1), the same postcode (1)
Who links it to this firm: the named directors, with dates

Firms like Empire Commercial Lending

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

In Dunfermline

Dunfermline Athletic Football Club LimitedDunfermlineAppointed representative Martin Fraser BlackadderDunfermlineAuthorised Steven Ian RobertsDunfermlineAuthorised C R Smith Glaziers (Dunfermline) LimitedDunfermlineAuthorised Forth Grass Machinery LimitedDunfermlineAuthorised Gibbs Carriers LimitedDunfermlineAuthorised

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 Empire Commercial Lending

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
2 background checks on its contact details
All 6 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Empire Commercial Lending Ltd FCA authorised?

Empire Commercial Lending Ltd (FRN 1045247) 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 Empire Commercial Lending?

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. Empire Commercial Lending Ltd (FRN 1045247) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Empire Commercial Lending's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Empire Commercial Lending, 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.

What is Empire Commercial Lending’s phone number?

The FCA register lists the phone number 07876 333937 for Empire Commercial Lending. If you were given different contact details, use these to check with the firm before going any further.

Is Empire Commercial Lending a scam or clone?

Empire Commercial Lending 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 Empire Commercial Lending?

Protection works through Optimum Commercial Solutions Ltd, the principal firm responsible for Empire Commercial Lending's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns Empire Commercial Lending?

Companies House lists 2 people with significant control of Empire Commercial Lending: Mr Craig Murray (25–50% of shares) and Mr Nathan Hunter (25–50% of shares).

Who runs Empire Commercial Lending?

Companies House lists 2 directors of Empire Commercial Lending: Nathan Hunter and Craig Murray.

How long has Empire Commercial Lending been in business?

The company was formed on 27 August 2025.