Lloyds Bank Commercial Finance Limited: FCA regulated?

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.

Registered for 7 years
No FCA actions

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.

Website

lloydsbankcommercialfinance.co.uk (opens in a new tab)
Phone number

01295 272272
Address

No.1, Brookhill Way, Banbury, Oxfordshire, OX16 3EL, United Kingdom

In the full report: 3 background checks

When lloydsbankcommercialfinance.co.uk first appeared online, and whether it can receive email
What kind of line 01295 272272 is, and the other firm that gives it
Who else gives the postcode OX16 3EL

Other names (6)

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

Lloyds TSB Commercial Finance Limited Former name: A name it was registered under before.
CashFriday Former trading name: A name it used to trade under.
Commercial Finance Former trading name: A name it used to trade under.
Commercial Finance Germany Former trading name: A name it used to trade under.
Commercial Finance Ireland Former trading name: A name it used to trade under.
Lloyds TSB Commercial Finance Former trading name: A name it used to trade under.

Past FCA permissions and consumer protection

Money-laundering registration only
This 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.

Key dates in its history

Lloyds Bank Commercial Finance’s history from the FCA register and Companies House, newest first.

Key events (2) All events (12)

2018

1 November 2018

Registered with the FCA

FCA register

2013

20 November 2013

Changed its registered name from "Lloyds TSB Commercial Finance Limited"

FCA register

In the full report: all 12 events

All 12 events in its history (2 shown here)

Firms connected to Lloyds Bank Commercial Finance

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

connected firm: 1
share its phone number: 1
share its postcode: 1

In the full report: the connected firm, named

How it is linked: the same phone number (1), the same postcode (1)
Who links it to this firm: the named directors, with dates

Get the full report on Lloyds Bank Commercial Finance

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

3 background checks on its contact details
All 12 events in its history
1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Lloyds Bank Commercial Finance Limited FCA authorised?

Lloyds Bank Commercial Finance Limited (FRN 469785) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.

What is Lloyds Bank Commercial Finance’s phone number and website?

The FCA register lists the phone number 01295 272272 and the website lloydsbankcommercialfinance.co.uk for Lloyds Bank Commercial 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 Lloyds Bank Commercial Finance a scam or clone?

Lloyds Bank Commercial Finance is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.

Is my money safe with Lloyds Bank Commercial Finance?

Money you hand to Lloyds Bank Commercial Finance is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

Does Lloyds Bank Commercial Finance use any other names?

It has previously used 6 other names, including Lloyds TSB Commercial Finance Limited, CashFriday and Commercial Finance.