Highcrest Business Finance Limited

Reference number: 1042282

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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

AFS Compliance Ltd Reference number: 625035 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.
  • Highcrest Business Finance Limited (FRN 1042282) is an AR of AFS Compliance Ltd (FRN 625035). When you use Highcrest Business Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Highcrest Business Finance, 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

    07920 264171

  • Address

    Suite 9, Astley Park Estate, Chaddock Lane, Astley, Manchester, Wigan, M29 7JY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07920 264171 is
  • Who else gives the postcode M29 7JY
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Other names (1)

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

  • Asset Finance Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through AFS Compliance Ltd, 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
16618503
Company status
Active
Company type
Private limited company
Incorporated
31 July 2025 (1 year old)
Registered office
Mynshull House, 78 Churchgate, Stockport, SK1 1YJ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kris Kirkpatrick Director Nov 1991 26 Aug 2025 None
Christopher Lever Director Dec 1970 26 Aug 2025 None
Mitchell Lever Director May 2001 18 Sep 2026 None

In the full report: every company its directors have run

  • Confirmation that these 3 directors run no other company
  • All 5 people who have been directors, with their dates
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Key dates in its history

Highcrest Business Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2025

18 September 2025

  • Became an appointed representative

FCA register

26 August 2025

  • Kris Kirkpatrick became a part-owner (25–50% of shares)
  • Lorna Maria Lever gave up control

Companies House

31 July 2025

  • Incorporated at Companies House
  • Lorna Maria Lever took control (75–100% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 7
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Firms connected to Highcrest Business Finance

Other FCA-listed firms that share a director, phone number or address with Highcrest Business 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 Highcrest Business Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In Manchester

ClearScore Home Lending LimitedManchesterAppointed representativeAndrew LawrensonManchesterAppointed representativeAnthony MorrisManchesterAppointed representativeBell Financial Solutions LtdManchesterAppointed representativeBusy Bee Commercial Finance LimitedManchesterAppointed representativeCaldermont Private Finance LtdManchesterAppointed representative

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 Highcrest Business Finance

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

  • Every company its directors have run, named
  • 2 background checks on its contact details
  • 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 Highcrest Business Finance Limited FCA authorised?
Highcrest Business Finance Limited (FRN 1042282) 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 Highcrest Business Finance?
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. Highcrest Business Finance Limited (FRN 1042282) is an AR of AFS Compliance Ltd (FRN 625035). When you use Highcrest Business Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Highcrest Business Finance, 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 Highcrest Business Finance’s phone number?
The FCA register lists the phone number 07920 264171 for Highcrest Business Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Highcrest Business Finance a scam or clone?
Highcrest Business 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 Highcrest Business Finance?
Protection works through AFS Compliance Ltd, the principal firm responsible for Highcrest Business Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Highcrest Business Finance?
Companies House lists one person with significant control of Highcrest Business Finance: Mr Kris Kirkpatrick (25–50% of shares). Before that, it was controlled by Mrs Lorna Maria Lever.
Who runs Highcrest Business Finance?
Companies House lists 3 directors of Highcrest Business Finance: Kris Kirkpatrick, Christopher Lever and Mitchell Lever.
How long has Highcrest Business Finance been in business?
The company was formed on 31 July 2025.
Does Highcrest Business Finance use any other names?
It trades as Asset Finance Solutions.

Sources and links

The full report on Highcrest Business Finance Limited

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