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.
- Appointed for 4 years
- Protected through the principal
- No FCA actions
- Active company since 2022
- Accounts filed up to 31 March 2026
Responsible principal firm
Business Finance Market Ltd Reference number: 943907 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.
- JL Business Finance Limited (FRN 970573) is an AR of Business Finance Market Ltd (FRN 943907). When you use JL Business Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from JL 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
-
Address
The Old Bank, 41 King Street, Penrith, Cumbria, CA11 7AY, United Kingdom
In the full report: 2 background checks
- What kind of line 07974 672036 is
- Who else gives the postcode CA11 7AY
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Business Finance Market 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, freeYou 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
- 13843126 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 January 2022 (4 years old)
- Registered office
- The Old Bank, 41 King Street, Penrith, CA11 7AY, England
- Nature of business
-
- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Judith Anne Lancaster | Director | Oct 1969 | 12 Jan 2022 | 2 other companies |
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
- 2
- closed down
- 2
In the full report: all 2 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
Filed accounts and finances
Net assets
£21.4k
−32% from £31.6k
Employees (average)
1
Same as 1
Owed within a year
−£5,188
Up £4,714 from −£9,902
Net assets
In the full report: all 4 years of accounts
- Every year from 2023 to 2026
- The chart, over every year
- Every filed figure, year by year
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 13843126. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.
Key dates in its history
JL Business Finance’s history from the FCA register and Companies House, newest first.
2022
23 February 2022
- Became an appointed representative
FCA register
12 January 2022
- Incorporated at Companies House
- Judith Anne Lancaster took control (75–100% of shares)
- Judith Anne Lancaster appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms like JL Business Finance
Other firms of the same type (credit broker), nearest first.
In Penrith
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 JL Business Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 2 other companies its directors have run, named
- 2 background checks on its contact details
- 4 years of accounts, charted
- All 4 events in its history
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is JL Business Finance Limited FCA authorised?
What does appointed representative mean for JL Business Finance?
What is JL Business Finance’s phone number?
Is JL Business Finance a scam or clone?
Is my money safe with JL Business Finance?
Who owns JL Business Finance?
Who runs JL Business Finance?
How long has JL Business Finance been in business?
What do JL Business Finance’s latest accounts show?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk