Merchant Money Ltd

Reference number: 722951

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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 momentafinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 0800 848 8480 is, and the 3 other firms that give it
  • Who else gives the postcode NW6 3BT
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Other names (2)

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

  • Momenta Finance Trading name
  • Fertility Finance 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 (3 permissions)
  • Credit Broking
  • 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)

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
04504897
Company status
Active
Company type
Private limited company
Incorporated
6 August 2002 (24 years old)
Registered office
3rd Floor 86-90 Paul Street, London, EC2A 4NE, England
Nature of business
  • Activities of venture and development capital companies (SIC 64303)

Directors and company secretaries

Name Role Born Appointed Other companies
Jonathan Lior Stern Director Jul 1983 24 Apr 2017 6 other companies
David Issroff Director Mar 1966 17 Jul 2025 None

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
6
still active
6
are FCA-registered
4

In the full report: all 6 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
  • The 4 on the FCA register
  • All 11 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2023Small company accountsAudited

Net assets

−£3.13m

−917% from £383k

Cash at bank

£301k

−73% from £1.11m

Employees (average)

24

Same as 24

Owed within a year

£3.12m

+32% from £2.37m

Net assets are negative: on its last balance sheet the company owed £3.13m more than it owned.

Assets and liabilities

In the full report: all 4 years of accounts

  • Every year from 2020 to 2023
  • 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 04504897. 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

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

Key events (11) All events (34)

2023

30 January 2023

  • David Issroff stopped being a part-owner
  • Mattia Brenni stopped being a part-owner
  • Momenta Finance Limited took control (75–100% of shares)

Companies House

2018

8 June 2018

  • Roy Andrew Ettlinger stopped being a part-owner

Companies House

2016

10 August 2016

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

FCA register

6 April 2016

  • David Issroff became a part-owner (25–50% of shares)
  • Mattia Brenni became a part-owner (25–50% of shares)
  • Roy Andrew Ettlinger became a part-owner (25–50% of shares)

Companies House

2012

5 May 2012

  • Board replaced: all 4 directors left and 2 new directors took over

Companies House

2002

6 August 2002

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (11 shown here)
  • Every director appointment and resignation: 18
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Firms connected to Merchant Money

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

connected firms
5
share a director
4
share its phone number
3

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (4), the same phone number (3), the same postcode (5)
  • Who links each one: the named directors, with dates
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Firms like Merchant Money

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

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

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 Merchant Money

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 4 years of accounts, charted
  • All 34 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Merchant Money Ltd FCA authorised?
Yes, Merchant Money Ltd (FRN 722951) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since August 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Merchant Money’s phone number and website?
The FCA register lists the phone number 0800 848 8480 and the website momentafinance.co.uk for Merchant Money. 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 3 other FCA firms.
Is Merchant Money a scam or clone?
Merchant Money 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 Merchant Money?
It may control client money but not hold it. Protection depends on which product you hold and how Merchant Money handles your money, so check the specific product before you commit. You can also refer complaints about Merchant Money to the Financial Ombudsman Service, free of charge.
Who owns Merchant Money?
Merchant Money is owned by Momenta Finance Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 30 January 2023. Before that, it was controlled by Mr Roy Andrew Ettlinger, Mr Mattia Brenni and Mr David Issroff.
Who runs Merchant Money?
Companies House lists 2 directors of Merchant Money: Jonathan Lior Stern and David Issroff.
How long has Merchant Money been in business?
The company was formed on 6 August 2002, and has held its current FCA authorisation since August 2016.
What do Merchant Money’s latest accounts show?
Its latest accounts, to 30 June 2023, show net assets of −£3.13m (−917% from £383k) and cash at bank of £301k (−73% from £1.11m).
Does Merchant Money use any other names?
It trades as Momenta Finance. It has previously used the name Fertility Finance.

Sources and links

The full report on Merchant Money Ltd

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