First Funding Limited

Reference number: 668630

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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.

  • No website on the FCA register

  • Phone number

    01892 861678

  • Address

    Bramerton, Ferbies, Speldhurst, Tunbridge Wells, Kent, TN3 0NS, United Kingdom

In the full report: 2 background checks

  • What kind of line 01892 861678 is
  • Who else gives the postcode TN3 0NS
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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 (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • 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

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
06714397
Company status
Active
Company type
Private limited company
Incorporated
3 October 2008 (18 years old)
Registered office
20-22 Wenlock Road, London, N1 7GU, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Graham Peter Smith-Tilley Director May 1960 3 Oct 2008 3 other companies
Sana Elizabeth Smith-Tilley Director Mar 1963 29 Nov 2024 1 other company
Graham Peter Smith-Tilley Secretary Not published 3 Oct 2008 –

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
4
closed down
4

In the full report: all 4 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
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Total equity

£185k

No earlier figure to compare

Employees (average)

1

−50% from 2

Owed within a year

£631

−99% from £75.6k

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 06714397. 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

First Funding’s history from the FCA register and Companies House, newest first.

Key events (8) All events (15)

2024

31 December 2024

  • Simon Hart Ratcliff stopped being a part-owner

Companies House

2020

8 December 2020

  • Sana Elizabeth Smith-Tilley became a part-owner (25–50% of shares)

Companies House

2016

3 October 2016

  • Graham Peter Smith-Tilley became the majority owner (50–75% of shares)
  • Simon Hart Ratcliff became a part-owner (25–50% of shares)

Companies House

2015

30 September 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2008

3 October 2008

  • Incorporated at Companies House

Companies House

In the full report: all 15 events

  • All 15 events in its history (8 shown here)
  • Every director appointment and resignation: 4
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Firms like First Funding

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

In Tunbridge Wells

Abacus Advice LtdTunbridge WellsAuthorisedDean Giles LimitedTunbridge WellsAuthorised

In the Tonbridge (TN) postcode area

Hastings Insurance Services LimitedBexhill-On-SeaAuthorisedCapitalise Business Support LimitedHastingsAuthorisedChristopher CourtmanHeathfieldAuthorisedClaratus Commercial Finance LimitedTonbridgeAuthorised

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 First Funding

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

  • 4 other companies its directors have run, named
  • 2 background checks on its contact details
  • 7 years of accounts, charted
  • All 15 events in its history

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Frequently asked questions about this firm

Is First Funding Limited FCA authorised?
Yes, First Funding Limited (FRN 668630) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2015 and works as a lender. The FCA has placed a limit on what it may do.
What is First Funding’s phone number?
The FCA register lists the phone number 01892 861678 for First Funding. If you were given different contact details, use these to check with the firm before going any further.
Is First Funding a scam or clone?
First Funding 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 First Funding?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how First Funding handles your money, so check the specific product before you commit. You can also refer complaints about First Funding to the Financial Ombudsman Service, free of charge.
Who owns First Funding?
Companies House lists 2 people with significant control of First Funding: Mr Graham Peter Smith-Tilley (50–75% of shares) and Mrs Sana Elizabeth Smith-Tilley (25–50% of shares). Before that, it was controlled by Mr Simon Hart Ratcliff.
Who runs First Funding?
Companies House lists 2 directors of First Funding: Graham Peter Smith-Tilley and Sana Elizabeth Smith-Tilley.
How long has First Funding been in business?
The company was formed on 3 October 2008, and has held its current FCA authorisation since September 2015.
What do First Funding’s latest accounts show?
Its latest accounts, to 31 December 2025, show total equity of £185k (no earlier figure to compare).

Sources and links

The full report on First Funding Limited

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