L&R Business Finance Limited

Reference number: 1011317

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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

AFS Compliance Ltd Reference number: 625035 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.
  • L&R Business Finance Limited (FRN 1011317) is an AR of AFS Compliance Ltd (FRN 625035). When you use L&R Business Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from L&R 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

    01204 567580

  • Address

    7 Corner Gate, Westhoughton, Bolton, Bolton, BL5 2SE, United Kingdom

In the full report: 2 background checks

  • What kind of line 01204 567580 is, and the other firm that gives it
  • Who else gives the postcode BL5 2SE
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Other names (1)

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

  • Asset Finance Solutions Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through AFS Compliance 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
14864538
Company status
Active
Company type
Private limited company
Incorporated
12 May 2023 (3 years old)
Registered office
70 Market Street, Tottington, Bury, Lancashire, BL8 3LJ, United Kingdom
Nature of business
  • Financial leasing (SIC 64910)

Directors and company secretaries

Name Role Born Appointed Other companies
Lesley Jayne Ganley Director Jan 1965 12 May 2023 7 other companies
Vincent Roy Ganley Director Sep 1965 12 May 2023 8 other companies

Other companies run by these 2 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
8
closed down
1
is FCA-registered
1

In the full report: all 8 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 7 companies these 2 directors run together
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Filed accounts and finances

Year to 31 May 2025Micro-entity accountsNot audited

Total equity

£39.2k

+11% from £35.4k

Employees (average)

0

Same as 0

Owed within a year

£4,821

−89% from £42.8k

Assets and liabilities

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 14864538. 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

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

Key events (4) All events (7)

2024

13 May 2024

  • Became an appointed representative

FCA register

2023

12 May 2023

  • Incorporated at Companies House
  • Lesley Jayne Ganley became a part-owner (25–50% of shares)
  • Vincent Roy Ganley became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 2
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Firms connected to L&R Business Finance

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

connected firm
1
share a director
1
share its phone number
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same phone number (1)
  • Who links it to this firm: the named directors, with dates
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Firms like L&R Business Finance

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

In Bolton

Burton James Financial Services LimitedBoltonAppointed representativeCC Financial Solutions LtdBoltonAppointed representativeCougar Brent Home Finance LtdBoltonAppointed representativeFluent Bridging LimitedBoltonAppointed representativeFluent Mortgages Horwich LimitedBoltonAppointed representativeJILA Financial Services LtdBoltonAppointed representative

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 L&R Business Finance

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

  • 8 other companies its directors have run, named
  • 2 background checks on its contact details
  • All 7 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is L&R Business Finance Limited FCA authorised?
L&R Business Finance Limited (FRN 1011317) 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 L&R Business 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. L&R Business Finance Limited (FRN 1011317) is an AR of AFS Compliance Ltd (FRN 625035). When you use L&R Business Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from L&R 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.
What is L&R Business Finance’s phone number?
The FCA register lists the phone number 01204 567580 for L&R Business Finance. 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 one other FCA firm.
Is L&R Business Finance a scam or clone?
L&R 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 L&R Business Finance?
Protection works through AFS Compliance Ltd, the principal firm responsible for L&R Business Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns L&R Business Finance?
Companies House lists 2 people with significant control of L&R Business Finance: Mrs Lesley Jayne Ganley (25–50% of shares) and Mr Vincent Roy Ganley (25–50% of shares).
Who runs L&R Business Finance?
Companies House lists 2 directors of L&R Business Finance: Lesley Jayne Ganley and Vincent Roy Ganley.
How long has L&R Business Finance been in business?
The company was formed on 12 May 2023.
What do L&R Business Finance’s latest accounts show?
Its latest accounts, to 31 May 2025, show total equity of £39.2k (+11% from £35.4k).
Does L&R Business Finance use any other names?
It trades as Asset Finance Solutions.

Sources and links

The full report on L&R Business Finance Limited

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