JW Business Lending Solutions Limited

Reference number: 1044849

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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

Key Commercial Finance Solutions Ltd Reference number: 673419 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.
  • JW Business Lending Solutions Limited (FRN 1044849) is an AR of Key Commercial Finance Solutions Ltd (FRN 673419). When you use JW Business Lending Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from JW Business Lending Solutions, 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.

In the full report: 3 background checks

  • When jwbls.co.uk first appeared online, and whether it can receive email
  • What kind of line 07917 010276 is
  • Who else gives the postcode DY2 9DJ
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Key Commercial Finance Solutions 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
14991235
Company status
Active
Company type
Private limited company
Incorporated
10 July 2023 (3 years old)
Registered office
100 Baptist End Road 100 Baptist End Road, Dudley, DY2 9DJ, England
Nature of business
  • Other education not elsewhere classified (SIC 85590)

Directors and company secretaries

Name Role Born Appointed Other companies
Johnathan Henry Watts Director Jan 1987 10 Jul 2023 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 31 July 2025Micro-entity accountsNot audited

Net assets

£3,219

No earlier figure to compare

Employees (average)

0

No earlier figure to compare

Owed within a year

£3,500

No earlier figure to compare

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 14991235. Figures are exactly as filed; nothing is estimated.

Key dates in its history

JW Business Lending Solutions’s history from the FCA register and Companies House, newest first.

2025

3 December 2025

  • Became an appointed representative

FCA register

2023

10 July 2023

  • Incorporated at Companies House
  • Johnathan Henry Watts took control (75–100% of shares)
  • Johnathan Henry Watts appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms like JW Business Lending Solutions

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

In Dudley

CP Mortgage Solutions LimitedDudleyAppointed representativeTeam Glover LtdDudleyAppointed representativeFriends Advisers LtdDudleyAuthorisedFTM Mortgage Services LimitedDudleyAuthorisedWoodason Financial Services LimitedDudleyAuthorised

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 JW Business Lending Solutions

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
  • All 4 events in its history

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Frequently asked questions about this firm

Is JW Business Lending Solutions Limited FCA authorised?
JW Business Lending Solutions Limited (FRN 1044849) 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 JW Business Lending Solutions?
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. JW Business Lending Solutions Limited (FRN 1044849) is an AR of Key Commercial Finance Solutions Ltd (FRN 673419). When you use JW Business Lending Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from JW Business Lending Solutions, 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 JW Business Lending Solutions’ phone number and website?
The FCA register lists the phone number 07917 010276 and the website jwbls.co.uk for JW Business Lending Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is JW Business Lending Solutions a scam or clone?
JW Business Lending Solutions 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 JW Business Lending Solutions?
Protection works through Key Commercial Finance Solutions Ltd, the principal firm responsible for JW Business Lending Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns JW Business Lending Solutions?
Companies House lists one person with significant control of JW Business Lending Solutions: Mr Johnathan Henry Watts (75–100% of shares).
Who runs JW Business Lending Solutions?
Companies House lists one director of JW Business Lending Solutions: Johnathan Henry Watts.
How long has JW Business Lending Solutions been in business?
The company was formed on 10 July 2023.
What do JW Business Lending Solutions’ latest accounts show?
Its latest accounts, to 31 July 2025, show net assets of £3,219 (no earlier figure to compare).

Sources and links

The full report on JW Business Lending Solutions Limited

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