On the register, but not FCA authorised
This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.
What does this mean?
- Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
- What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
- It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
- So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.
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
-
No phone number on the FCA register
-
Address
20 North Audley Street, London, W1K 6WE, United Kingdom
In the full report: 1 background check
- Who else gives the postcode W1K 6WE
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
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
- 16851610 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 12 November 2025 (less than a year old)
- Registered office
- 20 North Audley Street, London, W1K 6WE, England
- Nature of business
-
- Activities of mortgage finance companies (SIC 64922)
- Other credit granting not elsewhere classified (SIC 64929)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Sandeep Babber | Director | Feb 1983 | 12 Nov 2025 | None |
| Saveet Babber | Director | Oct 1979 | 12 Nov 2025 | 13 other companies |
| Akhil Mair | Director | Nov 1983 | 12 Nov 2025 | None |
Other companies run by these 3 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
- 13
- closed down
- 3
- are FCA-registered
- 3
In the full report: all 13 companies, named
- What each company does, and whether it is still trading
- Which of these 3 directors sit on each board, and since when
- Any that went into liquidation or administration
- The 3 on the FCA register
Key dates in its history
Lending Capital’s history from the FCA register and Companies House, newest first.
2026
23 March 2026
- Registered with the FCA
FCA register
2025
12 November 2025
- Incorporated at Companies House
- Mair Limited became a part-owner (25–50% of shares)
- Sl3b Limited became a part-owner (25–50% of shares)
- Snr2 Limited became a part-owner (25–50% of shares)
Companies House
In the full report: all 9 events
- All 9 events in its history (5 shown here)
- Every director appointment and resignation: 3
Firms connected to Lending Capital
Other FCA-listed firms that share a director, phone number or address with Lending Capital. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
- share its postcode
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3), the same postcode (3)
- Who links each one: the named directors, with dates
Get the full report on Lending Capital
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 13 other companies its directors have run, named
- 1 background check on its contact details
- All 9 events in its history
- 3 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is Lending Capital Limited FCA authorised?
Is Lending Capital a scam or clone?
Is my money safe with Lending Capital?
Who owns Lending Capital?
Who runs Lending Capital?
How long has Lending Capital been in business?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk