Flux Funding Limited

Reference number: 806333

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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

  • When fluxfunding.co.uk first appeared online, and whether it can receive email
  • What kind of line 0333 242 3419 is
  • Who else gives the postcode CH1 1DE
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Other names (5)

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

  • Approved Now Trading name
  • Loan Found Trading name
  • Smaller Loan Trading name
  • New Horizons Former trading name
  • Sunny 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 (1 permission)
  • Credit Broking

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
10985517
Company status
Active
Company type
Private limited company
Incorporated
28 September 2017 (9 years old)
Registered office
Newgate House, Newgate Street, Chester, CH1 1DE
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
James Michael Clayton Director Apr 1980 28 Sep 2017 1 other company
Andrew Cooper Director Mar 1980 28 Sep 2017 1 other company
Richard Joseph Waters Director Jan 1981 28 Sep 2017 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 company
1
still active
1
run together
1

In the full report: all 1 company, 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
  • The 1 company these 3 directors run together
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£444k

+72% from £258k

Cash at bank

£312k

+75% from £178k

Employees (average)

5

Same as 5

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 10985517. 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

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

Key events (10) All events (22)

2022

6 April 2022

  • A J Cooper Holdings Ltd stopped being a part-owner
  • Andrew Cooper became a part-owner (25–50% of shares)

Companies House

2021

31 May 2021

  • J M Clayton Holdings Ltd stopped being a part-owner
  • James Michael Clayton became a part-owner (25–50% of shares)

Companies House

2018

29 November 2018

  • A J Cooper Holdings Ltd became a part-owner (25–50% of shares)
  • J M Clayton Holdings Ltd became a part-owner (25–50% of shares)
  • R J Waters Holdings Ltd became a part-owner (25–50% of shares)

Companies House

12 September 2018

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

FCA register

2017

28 September 2017

  • Incorporated at Companies House

Companies House

In the full report: all 22 events

  • All 22 events in its history (10 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Flux Funding

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

connected firm
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Flux Funding

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

In Chester

AJL Finance LimitedChesterAuthorisedCapital Business Loans LimitedChesterAuthorisedDee Valley Finance LimitedChesterAuthorisedDigitonomy LimitedChesterAuthorisedOakhurst Finance LimitedChesterAuthorisedStephen Charles EllisChesterAuthorised

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 Flux Funding

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 22 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Flux Funding Limited FCA authorised?
Yes, Flux Funding Limited (FRN 806333) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2018 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Flux Funding’s phone number and website?
The FCA register lists the phone number 0333 242 3419 and the website fluxfunding.co.uk for Flux Funding. If you were given different contact details, use these to check with the firm before going any further.
Is Flux Funding a scam or clone?
Flux 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 Flux Funding?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Flux Funding handles your money, so check the specific product before you commit. You can also refer complaints about Flux Funding to the Financial Ombudsman Service, free of charge.
Who owns Flux Funding?
Companies House lists 3 people with significant control of Flux Funding: Mr Andrew Cooper (25–50% of shares), Mr James Michael Clayton (25–50% of shares) and R J Waters Holdings Ltd (25–50% of shares). Before that, it was controlled by A J Cooper Holdings Ltd and J M Clayton Holdings Ltd.
Who runs Flux Funding?
Companies House lists 3 directors of Flux Funding: James Michael Clayton, Andrew Cooper and Richard Joseph Waters.
How long has Flux Funding been in business?
The company was formed on 28 September 2017, and has held its current FCA authorisation since September 2018.
What do Flux Funding’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £444k (+72% from £258k) and cash at bank of £312k (+75% from £178k).
Does Flux Funding use any other names?
It trades as Approved Now, Loan Found and Smaller Loan. It has previously used 2 other names: New Horizons and Sunny Loans.

Sources and links

The full report on Flux Funding Limited

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