Lending Expert Limited

Reference number: 734116

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 lendingexpert.co.uk first appeared online, and whether it can receive email
  • What kind of line 0161 820 8099 is
  • Who else gives the postcode CH3 5AN
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Other names (5)

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

  • lendingexpert.co.uk Trading name
  • Proper Finance Trading name
  • Feasible Former trading name
  • Feasible.co.uk Former trading name
  • properfinance.co.uk Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (1 permission)
  • Credit Broking

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
08652292
Company status
Active
Company type
Private limited company
Incorporated
15 August 2013 (13 years old)
Registered office
The Steam Mill, Steam Mill Street, Chester, Cheshire, CH3 5AN, England
Nature of business
  • Other information technology service activities (SIC 62090)

Directors and company secretaries

Name Role Born Appointed Other companies
David Alan Beard Director Dec 1980 15 Aug 2013 12 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
12
closed down
7
are FCA-registered
2

In the full report: all 12 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
  • The 2 on the FCA register
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Filed accounts and finances

Year to 31 January 2026Abridged accountsNot audited

Net assets

£524k

+113% from £245k

Cash at bank

£110k

−17% from £133k

Employees (average)

3

−40% from 5

Owed within a year

£563k

+82% from £309k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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 08652292. 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

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

Key events (7) All events (21)

2023

10 October 2023

  • David Alan Beard gave up control
  • Lending Expert Group Limited took control (75–100% of shares)

Companies House

2016

14 September 2016

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

15 August 2016

  • David Alan Beard took control (75–100% of shares)

Companies House

2013

15 August 2013

  • Incorporated at Companies House

Companies House

In the full report: all 21 events

  • All 21 events in its history (7 shown here)
  • Every director appointment and resignation: 1
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Firms connected to Lending Expert

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

connected firm
1
share a director
1
past link
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
  • 1 past link through former directors
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Firms like Lending Expert

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

In Chester

AJL Finance LimitedChesterAuthorisedCapital Business Loans LimitedChesterAuthorisedDee Valley Finance LimitedChesterAuthorisedDigitonomy LimitedChesterAuthorisedFlux Funding LimitedChesterAuthorisedOakhurst Finance LimitedChesterAuthorised

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 Lending Expert

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

  • 12 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 21 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Lending Expert Limited FCA authorised?
Yes, Lending Expert Limited (FRN 734116) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since September 2016 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Lending Expert’s phone number and website?
The FCA register lists the phone number 0161 820 8099 and the website lendingexpert.co.uk for Lending Expert. If you were given different contact details, use these to check with the firm before going any further.
Is Lending Expert a scam or clone?
Lending Expert 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 Lending Expert?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Lending Expert handles your money, so check the specific product before you commit. You can also refer complaints about Lending Expert to the Financial Ombudsman Service, free of charge.
Who owns Lending Expert?
Lending Expert is owned by Lending Expert Group Limited, which holds 75–100% of shares, 75–100% of votes, can appoint and remove the board and held through a firm, since 10 October 2023. Before that, it was controlled by Mr David Alan Beard.
Who runs Lending Expert?
Companies House lists one director of Lending Expert: David Alan Beard.
How long has Lending Expert been in business?
The company was formed on 15 August 2013, and has held its current FCA authorisation since September 2016.
What do Lending Expert’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £524k (+113% from £245k) and cash at bank of £110k (−17% from £133k).
Does Lending Expert use any other names?
It trades as lendingexpert.co.uk and Proper Finance. It has previously used 3 other names: Feasible, Feasible.co.uk and properfinance.co.uk.

Sources and links

The full report on Lending Expert Limited

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