Morpheus Lending Ltd

Reference number: 1042683

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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

    Morpheus Lending Ltd, Ministry of Work, 41 New Cross Street, Greater Manchester, M27 4TU, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode M27 4TU
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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.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
14961438
Company status
Active
Company type
Private limited company
Incorporated
26 June 2023 (3 years old)
Registered office
Valley View, Clover Road, Chorley, PR7 2NL, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
Lee Christopher Jones Director Aug 1983 26 Jun 2023 15 other companies
Matthew Paul Mawdesley Director Sep 1991 8 Dec 2023 1 other company

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
16
closed down
4
went insolvent
3

In the full report: all 16 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • The 3 that went into liquidation or administration
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Filed accounts and finances

Year to 30 June 2025Small company accountsNot audited

Net assets

−£226k

Down £145k from −£81.6k

Cash at bank

£46.0k

+312% from £11.2k

Employees (average)

2

Up 2 from 0

Owed within a year

£28.7k

Up £26.7k from £2,000

Net assets are negative: on its last balance sheet the company owed £226k more than it owned.

Net assets

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 14961438. 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

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

2025

17 October 2025

  • Registered with the FCA

FCA register

2024

23 August 2024

  • Matthew Paul Mawdesley became a part-owner (25–50% of shares)
  • Sandeep Malhotra became a part-owner (25–50% of shares)

Companies House

2023

8 December 2023

  • Matthew Paul Mawdesley appointed as a director

Companies House

26 June 2023

  • Incorporated at Companies House
  • Lee Christopher Jones became a part-owner (25–50% of shares)
  • Lee Christopher Jones appointed as a director

Companies House

Director appointments and resignations, and trading names, appear under All events.

Firms connected to Morpheus Lending

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

connected firms
2
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on Morpheus Lending

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

  • 16 other companies its directors have run, named
  • 1 background check on its contact details
  • All 7 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Morpheus Lending Ltd FCA authorised?
Morpheus Lending Ltd (FRN 1042683) 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.
Is Morpheus Lending a scam or clone?
Morpheus Lending 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 Morpheus Lending?
Money you hand to Morpheus Lending 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.
Who owns Morpheus Lending?
Companies House lists 3 people with significant control of Morpheus Lending: Mr Sandeep Malhotra (25–50% of shares), Mr Matthew Paul Mawdesley (25–50% of shares) and Mr Lee Christopher Jones (25–50% of shares).
Who runs Morpheus Lending?
Companies House lists 2 directors of Morpheus Lending: Lee Christopher Jones and Matthew Paul Mawdesley.
How long has Morpheus Lending been in business?
The company was formed on 26 June 2023.
What do Morpheus Lending’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of −£226k (down £145k from −£81.6k) and cash at bank of £46.0k (+312% from £11.2k).

Sources and links

The full report on Morpheus Lending Ltd

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