KCM Finance Limited

Reference number: 1049217

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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

EFT Finance Limited Reference number: 667290 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.
  • KCM Finance Limited (FRN 1049217) is an AR of EFT Finance Limited (FRN 667290). When you use KCM Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from KCM 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.

In the full report: 3 background checks

  • When kcmfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07508 805569 is
  • Who else gives the postcode FK7 9EN
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through EFT Finance Limited, 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
SC862397
Company status
Active
Company type
Private limited company
Incorporated
10 September 2025 (1 year old)
Registered office
28 Limekilns Crescent, Stirling, FK7 9EN, Scotland
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Kyle Campbell Miller Director Jun 1993 10 Sep 2025 3 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
3
closed down
3

In the full report: all 3 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
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Key dates in its history

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

2026

27 January 2026

  • Became an appointed representative

FCA register

2025

10 September 2025

  • Incorporated at Companies House
  • Kyle Campbell Miller took control (75–100% of shares)
  • Kyle Campbell Miller appointed as a director

Companies House

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

Firms like KCM Finance

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

In Stirling

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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 KCM Finance

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

  • 3 other companies 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 KCM Finance Limited FCA authorised?
KCM Finance Limited (FRN 1049217) 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 KCM 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. KCM Finance Limited (FRN 1049217) is an AR of EFT Finance Limited (FRN 667290). When you use KCM Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from KCM 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 KCM Finance’s phone number and website?
The FCA register lists the phone number 07508 805569 and the website kcmfinance.co.uk for KCM Finance. If you were given different contact details, use these to check with the firm before going any further.
Is KCM Finance a scam or clone?
KCM 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 KCM Finance?
Protection works through EFT Finance Limited, the principal firm responsible for KCM Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns KCM Finance?
Companies House lists one person with significant control of KCM Finance: Mr Kyle Campbell Miller (75–100% of shares).
Who runs KCM Finance?
Companies House lists one director of KCM Finance: Kyle Campbell Miller.
How long has KCM Finance been in business?
The company was formed on 10 September 2025.

Sources and links

The full report on KCM Finance Limited

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