Funding Solutions Scotland LTD

Reference number: 1033383

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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

Rural Finance Limited Reference number: 630701 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.
  • Funding Solutions Scotland LTD (FRN 1033383) is an AR of Rural Finance Limited (FRN 630701). When you use Funding Solutions Scotland's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Funding Solutions Scotland, 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

    +44 793 779 330 16

  • Address

    Fairways Business Park, 8 Deer Park Avenue, Livingston, EH54 8AF, United Kingdom

In the full report: 2 background checks

  • What kind of line +44 793 779 330 16 is
  • Who else gives the postcode EH54 8AF
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Rural 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, 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.

Company number
SC841213
Company status
Active
Company type
Private limited company
Incorporated
13 March 2025 (1 year old)
Registered office
Unit 2a, Pavilion 2, Castlecraig Business Park, Players Road, Stirling, FK7 7SH, United Kingdom
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Christopher Higgins Director Jan 1989 13 Mar 2025 1 other company
Nicole Lorraine Mcmunnigal Director Aug 1994 13 Mar 2025 1 other company

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 company
1
still active
1
is FCA-registered
1

In the full report: all 1 company, 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
  • The 1 company these 2 directors run together
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Filed accounts and finances

Year to 31 March 2026Small company accountsNot audited

Net assets

£13

No earlier figure to compare

Cash at bank

£9,687

No earlier figure to compare

Employees (average)

0

No earlier figure to compare

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 SC841213. 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

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

2025

28 May 2025

  • Became an appointed representative

FCA register

13 March 2025

  • Incorporated at Companies House
  • Christopher Higgins became a part-owner (25–50% of shares)
  • Nicole Lorraine McMunnigal became a part-owner (25–50% of shares)
  • Christopher Higgins appointed as a director
  • Nicole Lorraine McMunnigal appointed as a director

Companies House

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

Firms connected to Funding Solutions Scotland

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

connected firms
4
no longer authorised
1
share a director
1

In the full report: all 4 connected firms, named

  • How each is linked: shared directors (1), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Funding Solutions Scotland

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

In Livingston

CHSG LtdLivingstonAppointed representativeFinance4Rentals LtdLivingstonAppointed representativeBuildloan LimitedLivingstonAuthorisedEagle Asset Finance LimitedLivingstonAuthorisedPumpherston Golf ClubLivingstonAuthorisedFerry Marine LimitedLivingstonAuthorised

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 Funding Solutions Scotland

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
  • 2 background checks on its contact details
  • All 6 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Funding Solutions Scotland LTD FCA authorised?
Funding Solutions Scotland LTD (FRN 1033383) 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 Funding Solutions Scotland?
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. Funding Solutions Scotland LTD (FRN 1033383) is an AR of Rural Finance Limited (FRN 630701). When you use Funding Solutions Scotland's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Funding Solutions Scotland, 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 Funding Solutions Scotland’s phone number?
The FCA register lists the phone number +44 793 779 330 16 for Funding Solutions Scotland. If you were given different contact details, use these to check with the firm before going any further.
Is Funding Solutions Scotland a scam or clone?
Funding Solutions Scotland 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 Funding Solutions Scotland?
Protection works through Rural Finance Limited, the principal firm responsible for Funding Solutions Scotland's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Funding Solutions Scotland?
Companies House lists 2 people with significant control of Funding Solutions Scotland: Mr Christopher Higgins (25–50% of shares) and Miss Nicole Lorraine McMunnigal (25–50% of shares).
Who runs Funding Solutions Scotland?
Companies House lists 2 directors of Funding Solutions Scotland: Christopher Higgins and Nicole Lorraine McMunnigal.
How long has Funding Solutions Scotland been in business?
The company was formed on 13 March 2025.
What do Funding Solutions Scotland’s latest accounts show?
Its latest accounts, to 31 March 2026, show net assets of £13 (no earlier figure to compare) and cash at bank of £9,687 (no earlier figure to compare).

Sources and links

The full report on Funding Solutions Scotland LTD

£19.99 · Instant PDF download

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