Flex Credit Card Ltd

Reference number: 1036888

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, 1 thing worth a closer look

  • When flexcard.app first appeared online, and whether it can receive email
  • What kind of line 07939 883859 is
  • Whether EC1V 2NX is a shared office: 214 other firms give it
Instant PDF download
Other names (1)

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

  • Flex 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

  • Sandbox restrictions
    This firm's activity is limited to 1) no more than 600 customers; 2) providing no more than £1,200 of credit to any individual customer; and 3) not lending to customers who are self-employed or in employment on contracts where they are not guaranteed any hours in each period (also known as ‘zero’ hour contracts).

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
16386895
Company status
Active
Company type
Private limited company
Incorporated
14 April 2025 (1 year old)
Registered office
124-128 City Road, London, EC1V 2NX, England
Nature of business
  • Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Sawan Sandeep Kumar Kapoor Director Oct 1984 14 Apr 2025 3 other companies
Farooq Seeru Director Mar 1988 9 Jun 2025 None
Pakaporn Thongyai Na Ayuttaya Director Apr 1986 9 Jun 2025 None

Other companies run by these 3 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
3
still active
3

In the full report: all 3 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
Instant PDF download

Key dates in its history

Flex Credit Card’s history from the FCA register and Companies House, newest first.

Key events (5) All events (11)

2025

18 December 2025

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Sandbox restrictions)
  • Became authorised by the FCA

FCA register

14 April 2025

  • Incorporated at Companies House
  • Kapoor Ventures Limited took control (75–100% of shares)

Companies House

In the full report: all 11 events

  • All 11 events in its history (5 shown here)
  • Every director appointment and resignation: 3
Instant PDF download

Firms like Flex Credit Card

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 Flex Credit Card

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • All 11 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Flex Credit Card Ltd FCA authorised?
Yes, Flex Credit Card Ltd (FRN 1036888) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2025 and works as a lender. The FCA has placed a limit on what it may do.
What is Flex Credit Card’s phone number and website?
The FCA register lists the phone number 07939 883859 and the website flexcard.app for Flex Credit Card. If you were given different contact details, use these to check with the firm before going any further.
Is Flex Credit Card a scam or clone?
Flex Credit Card 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 Flex Credit Card?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Flex Credit Card handles your money, so check the specific product before you commit. You can also refer complaints about Flex Credit Card to the Financial Ombudsman Service, free of charge.
Who owns Flex Credit Card?
Flex Credit Card is owned by Kapoor Ventures Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 14 April 2025.
Who runs Flex Credit Card?
Companies House lists 3 directors of Flex Credit Card: Sawan Sandeep Kumar Kapoor, Farooq Seeru and Pakaporn Thongyai Na Ayuttaya.
How long has Flex Credit Card been in business?
The company was formed on 14 April 2025, and has held its current FCA authorisation since December 2025.
Does Flex Credit Card use any other names?
It trades as Flex.

Sources and links

The full report on Flex Credit Card Ltd

£19.99 · Instant PDF download

Loading secure checkout…