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.
Responsible principal firm
Swoop Finance Limited Reference number: 936513 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.
- Fresh Business Finance Ltd (FRN 1042180) is an AR of Swoop Finance Limited (FRN 936513). When you use Fresh Business Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Fresh Business Finance, 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.
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No website on the FCA register
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Phone number
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Address
Orchard House, Clyst St. Mary, Exeter, Devon, EX5 1BR, United Kingdom
In the full report: 2 background checks
- What kind of line 07725 208805 is
- Who else gives the postcode EX5 1BR
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Swoop Finance Limited, 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, freeYou 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.
- Company number
- 16542313 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 25 June 2025 (1 year old)
- Registered office
- Orchard House, Clyst St. Mary, Exeter, Devon, EX5 1BR, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Thomas Baker | Director | Sep 1980 | 25 Jun 2025 | None |
| Rebecca Jane Baker | Secretary | Not published | 14 Jan 2026 | – |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Key dates in its history
Fresh Business Finance’s history from the FCA register and Companies House, newest first.
2025
14 October 2025
- Became an appointed representative
- Began trading as "Fresh Business Finance"
FCA register
13 August 2025
- The Fresh Accountancy Company Limited gave up control
Companies House
12 August 2025
- Fresh Group Holdings Limited took control (75–100% of shares)
Companies House
25 June 2025
- Incorporated at Companies House
- The Fresh Accountancy Company Limited took control (75–100% of shares)
- Thomas Baker appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Fresh Business Finance
Other FCA-listed firms that share a director, phone number or address with Fresh Business Finance. 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
Firms like Fresh Business Finance
Other firms of the same type (credit broker), nearest first.
In Exeter
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 Fresh Business Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- Every company its directors have run, named
- 2 background checks on its contact details
- All 7 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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What does appointed representative mean for Fresh Business Finance?
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Who owns Fresh Business Finance?
Who runs Fresh Business Finance?
How long has Fresh Business Finance been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk