Highland Business Finance Limited

Reference number: 948251

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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 highlandfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 3285 8333 is
  • Who else gives the postcode CM12 9BQ
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Other names (2)

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

  • Highland Finance Trading name: A name it trades under now.
  • Lightning Business Loans Trading name: A name it trades under now.

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 status
Active
Company type
Private limited company
Incorporated
15 February 2021 (5 years old)
Registered office
24 High Street, Billericay, Essex, CM12 9BQ, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
William Edwards Director Dec 1983 15 Feb 2021 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Filed accounts and finances

Year to 28 February 2026Small company accountsNot audited

Net assets

£109k

<1% from £109k

Cash at bank

£114k

−9.1% from £125k

Employees (average)

1

Same as 1

Owed within a year

£6,385

−59% from £15.6k

Net assets

In the full report: all 5 years of accounts

  • Every year from 2022 to 2026
  • 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 13200053. Figures are exactly as filed; nothing is estimated.

Key dates in its history

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

2021

1 July 2021

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

FCA register

15 February 2021

  • Incorporated at Companies House
  • William Edwards took control (75–100% of shares)

Companies House

In the full report: all 9 events

  • All 9 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Highland Business Finance

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

connected firms
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Highland Business Finance

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

In Billericay

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 Highland 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
  • 3 background checks on its contact details
  • 5 years of accounts, charted
  • All 9 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Highland Business Finance Limited FCA authorised?
Yes, Highland Business Finance Limited (FRN 948251) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2021 and works as a credit broker. The FCA has placed no limits on its permissions.
What is Highland Business Finance’s phone number and website?
The FCA register lists the phone number 020 3285 8333 and the website highlandfinance.co.uk for Highland Business Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Highland Business Finance a scam or clone?
Highland 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 Highland Business Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Highland Business Finance handles your money, so check the specific product before you commit. You can also refer complaints about Highland Business Finance to the Financial Ombudsman Service, free of charge.
Who owns Highland Business Finance?
Companies House lists one person with significant control of Highland Business Finance: Mr William Edwards (75–100% of shares).
Who runs Highland Business Finance?
Companies House lists one director of Highland Business Finance: William Edwards.
How long has Highland Business Finance been in business?
The company was formed on 15 February 2021, and has held its current FCA authorisation since July 2021.
What do Highland Business Finance’s latest accounts show?
Its latest accounts, to 28 February 2026, show net assets of £109k (<1% from £109k) and cash at bank of £114k (−9.1% from £125k).
Does Highland Business Finance use any other names?
It trades as Highland Finance and Lightning Business Loans.

Sources and links

The full report on Highland Business Finance Limited

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