Gain Credit LLC: FCA regulated?

Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Authorised for 10 years
Complaints covered by the Ombudsman
No FCA actions
Active company since 2014
400 Ombudsman complaints in January–June 2025

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.

Website

lendingstream.co.uk (opens in a new tab)
Phone number

020 3808 4440
Address

Unit 1.04, Blue Fin Building, 110 Southwark Street, London, SE1 0SU, United Kingdom

In the full report: 3 background checks

When lendingstream.co.uk first appeared online, and whether it can receive email
What kind of line 020 3808 4440 is
Who else gives the postcode SE1 0SU

Other names (12)

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

Afforda Trading name: A name it trades under now.
Drafty Trading name: A name it trades under now.
Lending Stream Trading name: A name it trades under now.
Tutu Trading name: A name it trades under now.
Lending Stream LLC Former name: A name it was registered under before.
bettercredit Former trading name: A name it used to trade under.
driverloans.co.uk Former trading name: A name it used to trade under.
DrivingFunds Former trading name: A name it used to trade under.
Lending Stream Prime Former trading name: A name it used to trade under.
moneasy.co.uk Former trading name: A name it used to trade under.
MoneyKnight Former trading name: A name it used to trade under.
www.desicredit.co.uk Former trading name: A name it used to trade under.

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 (5 permissions)

Credit Broking
Entering into high-cost short-term credit 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 in relation to high-cost short-term credit

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025: 400
upheld, against a 31% median: 18%
about banking and credit: 400

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number: FC032134 (opens Companies House in a new tab)
Company status: Active
Company type: Overseas company
Incorporated: 1 October 2014 (12 years old)
Registered office: 251 Little Falls Drive, Wilmington, Delaware De 19808, United States

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Christopher Deboer	Director	Sep 1962	28 Jan 2015	None
Nicholas Ross	Director	Jan 1970	1 Sep 2021	1 other company
Mark Robert Fiander	Director	Mar 1970	17 Dec 2021	3 other companies
Caroline Debra Walton	Director	Dec 1967	2 Aug 2022	4 other companies
Antonio Vilches	Director	Dec 1977	22 Nov 2023	None
Nallan Chakravarthi Suresh	Director	Sep 1963	22 Nov 2023	None
Melissa Soper	Director	Sep 1966	30 Jan 2024	None
Randy Socol	Secretary	Not published	8 Oct 2014	–

Other companies run by these 7 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: 8
closed down: 7
still active: 1

In the full report: all 8 companies, named

What each company does, and whether it is still trading
Which of these 7 directors sit on each board, and since when
Any that went into liquidation or administration
All 11 people who have ever been directors, with their dates

Key dates in its history

Gain Credit’s history from the FCA register and Companies House, newest first.

Key events (4) All events (37)

2018

5 February 2018

Changed its registered name from "Lending Stream LLC"

FCA register

2016

22 July 2016

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

FCA register

2014

1 October 2014

Incorporated at Companies House

Companies House

In the full report: all 37 events

All 37 events in its history (4 shown here)
Every director appointment and resignation: 13

Firms connected to Gain Credit

Other FCA-listed firms that share a director, phone number or address with Gain Credit. 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

Firms like Gain Credit

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

In London

Clydesdale Financial Services LimitedLondonAuthorised Saga Services LimitedLondonAuthorised Sainsbury's Financial Services LimitedLondonAuthorised Madison CF UK LimitedLondonAuthorised Lendable LtdLondonAuthorised Salary Finance LimitedLondonAuthorised

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 Gain Credit

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

8 other companies its directors have run, named
3 background checks on its contact details
All 37 events in its history
2 connected firms, named, and who links them

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Gain Credit LLC FCA authorised?

Yes, Gain Credit LLC (FRN 689378) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2016 and works as a lender. The FCA has placed no limits on its permissions.

What is Gain Credit’s phone number and website?

The FCA register lists the phone number 020 3808 4440 and the website lendingstream.co.uk for Gain Credit. If you were given different contact details, use these to check with the firm before going any further.

Is Gain Credit a scam or clone?

Gain Credit 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 Gain Credit?

Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Gain Credit handles your money, so check the specific product before you commit. You can also refer complaints about Gain Credit to the Financial Ombudsman Service, free of charge.

Who runs Gain Credit?

Companies House lists 7 directors of Gain Credit: Christopher Deboer, Nicholas Ross, Mark Robert Fiander, Caroline Debra Walton, Antonio Vilches, Nallan Chakravarthi Suresh and 1 more.

How long has Gain Credit been in business?

The company was formed on 1 October 2014, and has held its current FCA authorisation since July 2016.

How many complaints does Gain Credit get?

In January–June 2025, the Financial Ombudsman Service received 400 new complaints about Gain Credit, and upheld 18% of those it decided.

Does Gain Credit use any other names?

It trades as Afforda, Drafty, Lending Stream and Tutu. It has previously used 8 other names, including Lending Stream LLC, bettercredit and driverloans.co.uk.