Funding Your Invoice Limited

Reference number: 970934

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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 fundingalternative.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 652 1977 is, and the 2 other firms that give it
  • Who else gives the postcode KT9 1EU
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Past FCA permissions and consumer protection

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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 name
FUNDING YOUR INVOICE LTD
Company number
13542804
Company status
Active
Company type
Private limited company
Incorporated
2 August 2021 (5 years old)
Registered office
104 Roebuck Road, Chessington, KT9 1EU, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Serge Marc Santos (Dr) Director Apr 1968 2 Aug 2021 20 other companies
Warren Haig Collocott Director Apr 1979 23 Sep 2021 6 other companies

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
20
closed down
4
are FCA-registered
3

In the full report: all 20 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
  • The 3 on the FCA register, including one no longer authorised
  • The 6 companies these 2 directors run together
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Filed accounts and finances

Year to 31 December 2025Small company accountsNot audited

Net assets

−£610k

Down £7,819 from −£602k

Employees (average)

0

−100% from 2

Owed within a year

£2.40m

+164% from £911k

Net assets are negative: on its last balance sheet the company owed £610k more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2022 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 13542804. 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 Your Invoice’s history from the FCA register and Companies House, newest first.

2022

30 March 2022

  • Registered with the FCA

FCA register

2021

23 September 2021

  • Warren Haig Collocott appointed as a director

Companies House

2 August 2021

  • Incorporated at Companies House
  • Funding Alternative Group Ltd took control (75–100% of shares)
  • Serge Marc Santos appointed as a director

Companies House

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

Firms connected to Funding Your Invoice

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

connected firms
3
share a director
3
share its phone number
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same phone number (2), the same postcode (3)
  • Who links each one: the named directors, with dates
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Get the full report on Funding Your Invoice

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

  • 20 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 5 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Funding Your Invoice Limited FCA authorised?
Funding Your Invoice Limited (FRN 970934) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
What is Funding Your Invoice’s phone number and website?
The FCA register lists the phone number 0800 652 1977 and the website fundingalternative.co.uk for Funding Your Invoice. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is Funding Your Invoice a scam or clone?
Funding Your Invoice is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
Is my money safe with Funding Your Invoice?
Money you hand to Funding Your Invoice is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Who owns Funding Your Invoice?
Funding Your Invoice is owned by Funding Alternative Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 2 August 2021.
Who runs Funding Your Invoice?
Companies House lists 2 directors of Funding Your Invoice: Serge Marc Santos (Dr) and Warren Haig Collocott.
How long has Funding Your Invoice been in business?
The company was formed on 2 August 2021.
What do Funding Your Invoice’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of −£610k (down £7,819 from −£602k).

Sources and links

The full report on Funding Your Invoice Limited

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