Masters Rates Ltd

Reference number: 911658

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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 tectah.com first appeared online, and whether it can receive email
  • What kind of line 0161 341 2244 is
  • Who else gives the postcode SK8 3GP
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Other names (6)

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

  • Foodb Trading name
  • Payb Trading name
  • Tap Donate Trading name
  • Tectah Trading name
  • Masters Rates Limited Former name
  • Marhaba Payments Former trading name

FCA permissions and consumer protection

  • Lend or arrange credit · Hire out goods to consumers 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 (5 permissions)
  • Credit Broking
  • Entering into Regulated Consumer Hire Agreements as owner
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement

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
11557953
Company status
Active
Company type
Private limited company
Incorporated
7 September 2018 (8 years old)
Registered office
Suite 16 5300 Lakeside, Cheadle, SK8 3GP, England
Nature of business
  • Financial management (SIC 70221)

Directors and company secretaries

Name Role Born Appointed Other companies
Zunaira Maiwish Director Feb 1993 11 Jul 2019 8 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
8
closed down
1
still active
7

In the full report: all 8 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
  • All 2 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Full accountsNot audited

Net assets

£1.97m

+175% from £717k

Cash at bank

£111k

+80% from £61.9k

Owed within a year

£917k

+61% from £568k

Assets and liabilities

In the full report: all 6 years of accounts

  • Every year from 2020 to 2025
  • 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.

Accounts filed at Companies House for company 11557953. 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

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

Key events (7) All events (18)

2025

8 January 2025

  • Changed its registered name from "Masters Rates Limited"

FCA register

2019

24 December 2019

  • Saeed Ali Master stopped being a part-owner

Companies House

19 August 2019

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

11 July 2019

  • Zunaira Maiwish took control (75–100% of shares)

Companies House

2018

7 September 2018

  • Incorporated at Companies House
  • Saeed Ali Master became a part-owner (25–50% of shares)

Companies House

In the full report: all 18 events

  • All 18 events in its history (7 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Masters Rates

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

connected firms
5
share its postcode
5

In the full report: all 5 connected firms, named

  • How each is linked: the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Masters Rates

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

In Cheadle

Moorpark Finance Company LimitedCheadleAuthorisedCiolfi F LimitedCheadleAuthorised

In the Stockport (SK) postcode area

Cred Originations LimitedMacclesfieldAuthorisedFinance For Park Homes LimitedWilmslowAuthorisedFinclusion LimitedMacclesfieldAuthorisedHanley Financial Consultants LimitedGlossopAuthorised

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 Masters Rates

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
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 18 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Masters Rates Ltd FCA authorised?
Yes, Masters Rates Ltd (FRN 911658) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2019 and works as a lender. The FCA has placed no limits on its permissions.
What is Masters Rates’ phone number and website?
The FCA register lists the phone number 0161 341 2244 and the website tectah.com for Masters Rates. If you were given different contact details, use these to check with the firm before going any further.
Is Masters Rates a scam or clone?
Masters Rates 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 Masters Rates?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Masters Rates handles your money, so check the specific product before you commit. You can also refer complaints about Masters Rates to the Financial Ombudsman Service, free of charge.
Who owns Masters Rates?
Companies House lists one person with significant control of Masters Rates: Miss Zunaira Maiwish (75–100% of shares). Before that, it was controlled by Mr Saeed Ali Master.
Who runs Masters Rates?
Companies House lists one director of Masters Rates: Zunaira Maiwish.
How long has Masters Rates been in business?
The company was formed on 7 September 2018, and has held its current FCA authorisation since August 2019.
What do Masters Rates’ latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1.97m (+175% from £717k) and cash at bank of £111k (+80% from £61.9k).
Does Masters Rates use any other names?
It trades as Foodb, Payb, Tap Donate and Tectah. It has previously used 2 other names: Masters Rates Limited and Marhaba Payments.

Sources and links

The full report on Masters Rates Ltd

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