Lendable Limited: FCA regulated?

Acts as an e-money agent

This firm does not hold FCA authorisation of its own, and acts as an e-money agent under another firm's authorisation.

Agent for 2 years
No FCA actions
Active company since 2013
Your funds are not FSCS protected
1 thing worth a closer look in the background checks

Responsible principal firm

TrueLayer Limited Reference number: 901096 Authorised View firm →

This company holds another FCA record

A company can hold several FCA records, covering different parts of its business, and each one carries its own permissions and protection. The reference number you were given decides which record applies to you.

Lendable Ltd Reference number: 720261 Authorised

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

zable.co.uk (opens in a new tab)
No phone number on the FCA register
Address

Telephone House, 69-77 Paul Street, Hackney, London, EC2A 4NW, United Kingdom

In the full report: 2 background checks, 1 thing worth a closer look

When zable.co.uk first appeared online, and whether it can receive email
Who else gives the postcode EC2A 4NW

Past FCA permissions and consumer protection

Protection works through the principal
This firm acts as an agent of an authorised payment or e-money firm rather than holding its own authorisation. FSCS does not protect money held by an agent. Funds should be safeguarded by the principal, and the Financial Ombudsman Service may still be able to look at a complaint.

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 name: LENDABLE LTD
Company number: 08828186 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 31 December 2013 (12 years old)
Registered office: Telephone House, 69-77 Paul Street, London, EC2A 4NW, England
Nature of business: Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Karl Martin Kissinger	Director	Jul 1989	31 Dec 2013	1 other company
Mark James Rosel	Director	May 1983	18 Feb 2020	1 other company

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: 2
closed down: 1
still active: 1

In the full report: all 2 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
All 4 people who have ever been directors, with their dates

Key dates in its history

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

Key events (3) All events (9)

2024

2 January 2024

Status on the FCA register became "EMD Agent"

FCA register

2016

6 April 2016

Lendable Operations Ltd took control (75–100% of shares)

Companies House

2013

31 December 2013

Incorporated at Companies House

Companies House

In the full report: all 9 events

All 9 events in its history (3 shown here)
Every director appointment and resignation: 6

Firms connected to Lendable

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

connected firms: 3
share its postcode: 3

In the full report: all 3 connected firms, named

How each is linked: the same postcode (3)
Who links each one: the named directors, with dates

Get the full report on Lendable

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, 1 flagged
All 9 events in its history
3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Lendable Limited FCA authorised?

Lendable Limited (FRN 903120) is on the FCA register as an agent of an authorised payment or e-money firm. It does not hold its own authorisation: it acts under the principal's, and the principal is responsible for the money.

What is Lendable’s website?

The FCA register lists the website zable.co.uk for Lendable. If you were given different contact details, use these to check with the firm before going any further.

Is Lendable a scam or clone?

Lendable 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 Lendable?

Lendable is an agent, so it does not hold its own FCA authorisation and FSCS does not protect money held by an agent. Your money should be safeguarded by the authorised firm it acts for. You can still refer a complaint to the Financial Ombudsman Service, which may be able to look at it.

Who owns Lendable?

Lendable is owned by Lendable Operations Ltd, which holds 75–100% of shares, since 6 April 2016.

Who runs Lendable?

Companies House lists 2 directors of Lendable: Karl Martin Kissinger and Mark James Rosel.

How long has Lendable been in business?

The company was formed on 31 December 2013.