Gap Funding Limited

Reference number: 664411

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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 gapfunding.co.uk first appeared online, and whether it can receive email
  • What kind of line 01372 276631 is, and the other firm that gives it
  • Who else gives the postcode KT21 2ED
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Other names (3)

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

  • G.a.p Enterprises Former trading name
  • MGAF Former trading name
  • Michael Gaffney Asset Finance Former trading name

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 (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

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
08216182
Company status
Active
Company type
Private limited company
Incorporated
17 September 2012 (14 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Michael Charles Martin Gaffney Director Jan 1965 17 Sep 2012 7 other companies
Joanne Elizabeth Gaffney Secretary Not published 17 Sep 2012 –

Other companies run by its director

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
7
closed down
4
still active
3

In the full report: all 7 companies, named

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

Year to 31 March 2025Micro-entity accountsNot audited

Net assets

£12.5k

+7.8% from £11.6k

Employees (average)

2

Same as 2

Owed within a year

£13.2k

−40% from £22.1k

Net assets

In the full report: all 6 years of accounts

  • Every year from 2020 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 08216182. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

Key events (5) All events (14)

2016

27 September 2016

  • Joanne Elizabeth Gaffney became a part-owner (25–50% of shares)
  • Michael Charles Martin Gaffney became a part-owner (25–50% of shares)

Companies House

2015

17 August 2015

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

FCA register

2012

17 September 2012

  • Incorporated at Companies House

Companies House

In the full report: all 14 events

  • All 14 events in its history (5 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Gap Funding

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

connected firm
1
share its phone number
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: the same phone number (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Gap Funding

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

In Ashtead

Simon AdenleAshteadAppointed representative

In the Kingston upon Thames (KT) postcode area

WyeCliffe Galleries LLPWeybridgeAuthorisedAdapt Funding LimitedEsherAuthorisedDavid PikeWest ByfleetAuthorisedDivya SinghEpsomAuthorisedFlare Path Financial Services LimitedKingston upon ThamesAuthorised

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 Gap Funding

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

  • 7 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 14 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Gap Funding Limited FCA authorised?
Yes, Gap Funding Limited (FRN 664411) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2015 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Gap Funding’s phone number and website?
The FCA register lists the phone number 01372 276631 and the website gapfunding.co.uk for Gap Funding. 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 one other FCA firm.
Is Gap Funding a scam or clone?
Gap Funding 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 Gap Funding?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Gap Funding handles your money, so check the specific product before you commit. You can also refer complaints about Gap Funding to the Financial Ombudsman Service, free of charge.
Who owns Gap Funding?
Companies House lists 2 people with significant control of Gap Funding: Mrs Joanne Elizabeth Gaffney (25–50% of shares) and Mr Michael Charles Martin Gaffney (25–50% of shares).
Who runs Gap Funding?
Companies House lists one director of Gap Funding: Michael Charles Martin Gaffney.
How long has Gap Funding been in business?
The company was formed on 17 September 2012, and has held its current FCA authorisation since August 2015.
What do Gap Funding’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of £12.5k (+7.8% from £11.6k).
Does Gap Funding use any other names?
It has previously used 3 other names: G.a.p Enterprises, MGAF and Michael Gaffney Asset Finance.

Sources and links

The full report on Gap Funding Limited

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