G R Finance Limited

Reference number: 697692

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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 grfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01429 870974 is
  • Who else gives the postcode TS25 5TG
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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 (4 permissions)
  • Entering into a regulated home credit loan agreement as lender
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement

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
05901285
Company status
Active
Company type
Private limited company
Incorporated
9 August 2006 (20 years old)
Registered office
Hartlepool Inovation Centre Venture Court, Queens Meadow Business Park, Hartlepool, TS25 5TG, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Graham Charles Richardson Director Mar 1958 9 Aug 2006 1 other company
Steven Wright Director Jan 1978 30 Oct 2018 37 other companies
James Mcnally Director Nov 1961 12 Jul 2024 None
Carl Stedman Director Sep 1989 12 Jul 2024 None
Steven Wright Secretary Not published 9 Aug 2006 –

Other companies run by these 4 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
38
closed down
3
still active
35

In the full report: all 38 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
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Filed accounts and finances

6 months to 30 June 2025Small company accountsNot audited

Net assets

£178k

No earlier figure to compare

Cash at bank

£1.19m

+215% from £376k

Employees (average)

10

Same as 10

Owed within a year

£6.37m

+3.4% from £6.16m

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 05901285. 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

G R Finance’s history from the FCA register and Companies House, newest first.

Key events (6) All events (13)

2021

1 August 2021

  • Graham Charles Richardson stopped being a part-owner

Companies House

2016

6 April 2016

  • Graham Charles Richardson became a part-owner (25–50% of shares)
  • Steven Wright became a part-owner (25–50% of shares)

Companies House

29 February 2016

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

FCA register

2006

9 August 2006

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (6 shown here)
  • Every director appointment and resignation: 4
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Firms connected to G R Finance

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like G R Finance

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

In Hartlepool

North East Home Loans LimitedHartlepoolAuthorisedCurios House LimitedHartlepoolAuthorised

In the Cleveland (TS) postcode area

C & M (Life & Pensions) LimitedMiddlesbroughAuthorisedCareysStockton on TeesAuthorisedJean DunniganMiddlesbroughAuthorisedJoslin Rhodes Lifestyle Financial Planning LimitedStockton-on-TeesAuthorised

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 G R Finance

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

  • 38 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 13 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is G R Finance Limited FCA authorised?
Yes, G R Finance Limited (FRN 697692) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since February 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is G R Finance’s phone number and website?
The FCA register lists the phone number 01429 870974 and the website grfinance.co.uk for G R Finance. If you were given different contact details, use these to check with the firm before going any further.
Is G R Finance a scam or clone?
G R Finance 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 G R Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how G R Finance handles your money, so check the specific product before you commit. You can also refer complaints about G R Finance to the Financial Ombudsman Service, free of charge.
Who owns G R Finance?
Companies House lists 2 people with significant control of G R Finance: Mr Graham Charles Richardson (25–50% of shares) and Mr Steven Wright (25–50% of shares).
Who runs G R Finance?
Companies House lists 4 directors of G R Finance: Graham Charles Richardson, Steven Wright, James McNally and Carl Stedman.
How long has G R Finance been in business?
The company was formed on 9 August 2006, and has held its current FCA authorisation since February 2016.
What do G R Finance’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £178k (no earlier figure to compare) and cash at bank of £1.19m (+215% from £376k).

Sources and links

The full report on G R Finance Limited

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