IGF Business Credit Limited: FCA regulated?

On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

Registered for 10 years
No FCA actions
Active company since 2016

What does this mean?

Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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

igfgroup.com (opens in a new tab)
Phone number

01737 238300
Address

Kingsgate, 62 High Street, Redhill, Surrey, RH1 1SG, United Kingdom

In the full report: 3 background checks

When igfgroup.com first appeared online, and whether it can receive email
What kind of line 01737 238300 is, and the 3 other firms that give it
Who else gives the postcode RH1 1SG

Past FCA permissions and consumer protection

Money-laundering registration only
This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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: 10078965 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 22 March 2016 (10 years old)
Registered office: Kingsgate, High Street, Redhill, RH1 1SG, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Jonathan Mark Henry Hughes	Director	Dec 1965	11 Apr 2016	2 other companies
Richard Spielbichler	Director	Jun 1968	12 Aug 2016	None
Simon Paul Jacobs	Director	Apr 1966	11 Nov 2016	None
Paul Edmeades	Director	Jan 1969	20 Mar 2017	None
Stephen Michael Moore	Director	May 1962	27 Aug 2019	14 other companies
Andrew David Hey	Director	Nov 1970	16 Sep 2019	1 other company
Michael Ross Fletcher	Director	Jun 1985	16 Sep 2019	None
William James Millar	Director	Mar 1963	8 Jun 2022	2 other companies
Oliver Keech	Director	Jan 1977	22 Jun 2023	1 other company
Steven Jonathan Chait	Director	Feb 1965	27 Sep 2023	3 other companies

Other companies run by these 10 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: 15
closed down: 7
are FCA-registered: 4

In the full report: all 15 companies, named

What each company does, and whether it is still trading
Which of these 10 directors sit on each board, and since when
Any that went into liquidation or administration
The 4 on the FCA register
The 3 companies these 10 directors run together
All 22 people who have ever been directors, with their dates

Key dates in its history

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

Key events (3) All events (37)

2016

22 July 2016

Registered with the FCA

FCA register

11 April 2016

Igf Group Services Limited took control (75–100% of shares)

Companies House

22 March 2016

Incorporated at Companies House

Companies House

In the full report: all 37 events

All 37 events in its history (3 shown here)
Every director appointment and resignation: 34

Firms connected to IGF Business Credit

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

connected firms: 3
share a director: 3
share its phone number: 3

In the full report: all 3 connected firms, named

How each is linked: shared directors (3), the same phone number (3), the same postcode (3)
Who links each one: the named directors, with dates
1 past link through former directors

Get the full report on IGF Business Credit

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

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

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Frequently asked questions about this firm

Is IGF Business Credit Limited FCA authorised?

IGF Business Credit Limited (FRN 753440) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.

What is IGF Business Credit’s phone number and website?

The FCA register lists the phone number 01737 238300 and the website igfgroup.com for IGF Business Credit. 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 3 other FCA firms.

Is IGF Business Credit a scam or clone?

IGF Business Credit is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.

Is my money safe with IGF Business Credit?

Money you hand to IGF Business Credit is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

Who owns IGF Business Credit?

IGF Business Credit is owned by Igf Group Services Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 11 April 2016.

Who runs IGF Business Credit?

Companies House lists 10 directors of IGF Business Credit: Jonathan Mark Henry Hughes, Richard Spielbichler, Simon Paul Jacobs, Paul Edmeades, Stephen Michael Moore, Andrew David Hey and 4 more.

How long has IGF Business Credit been in business?

The company was formed on 22 March 2016.