Appointed representative
This firm does not hold FCA authorisation of its own, and acts under a principal firm, which is legally responsible for its regulated business.
- Appointed for 2 years
- Protected through the principal
- No FCA actions
- Active company since 2020
- Accounts filed up to 31 March 2025
Responsible principal firm
White Rose Finance Group Limited Reference number: 630772 View firm →What does this mean?
- An appointed representative (AR) can carry out regulated financial services, but is not directly authorised by the FCA. A principal firm holds the authorisation and is legally responsible for the AR's conduct.
- Onpoint Business Finance Limited (FRN 1012225) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Onpoint Business Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Onpoint Business Finance, complaints and compensation usually follow the same rules as dealing with the principal, but this depends on the product and your circumstances.
- Before you proceed, confirm contact details match the official FCA register for both firms. Scammers sometimes clone legitimate AR names and FRNs but use fake phone numbers and websites.
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.
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No website on the FCA register
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Phone number
-
Address
28 Winchester Avenue, Denny, Falkirk, FK6 6QE, United Kingdom
In the full report: 2 background checks
- What kind of line 07411 713290 is, and the other firm that gives it
- Who else gives the postcode FK6 6QE
Other names (1)
If you were contacted under any of these names, it is this firm.
- AcquisitionFinancing.co.uk Trading name: A name it trades under now.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through White Rose Finance Group Limited, the principal firm responsible for this firm's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
- Complaints Ombudsman, freeYou can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
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
- SC657028 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 11 March 2020 (6 years old)
- Registered office
- 28 Winchester Avenue, Denny, Stirlingshire, FK6 6QE, Scotland
- Nature of business
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- Other business support service activities not elsewhere classified (SIC 82990)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Martin Stuart Lightbowne | Director | Sep 1979 | 11 Mar 2020 | 20 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
- 20
- closed down
- 4
- is FCA-registered
- 1
In the full report: all 20 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 one on the FCA register
- All 2 people who have ever been directors, with their dates
Filed accounts and finances
Net assets
£8,119
Up £8,019 from £100
Cash at bank
£272
Up £172 from £100
Employees (average)
1
Up 1 from 0
Net assets
In the full report: all 5 years of accounts
- Every year from 2021 to 2025
- The chart, over every year
- Every filed figure, year by year
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 SC657028. 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
Onpoint Business Finance’s history from the FCA register and Companies House, newest first.
2025
15 November 2025
- E&M Capital Partners Limited took control (75–100% of shares)
- Martin Stuart Lightbowne stopped being the majority owner
Companies House
2024
21 May 2024
- Became an appointed representative
FCA register
2023
14 March 2023
- Steven Paul Willcox Downie stopped being a part-owner
Companies House
2020
11 March 2020
- Incorporated at Companies House
- Martin Stuart Lightbowne became the majority owner (50–75% of shares)
- Steven Paul Willcox Downie became a part-owner (25–50% of shares)
Companies House
In the full report: all 12 events
- All 12 events in its history (7 shown here)
- Every director appointment and resignation: 3
Firms connected to Onpoint Business Finance
Other FCA-listed firms that share a director, phone number or address with Onpoint Business Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firm
- 1
- share a director
- 1
- share its phone number
- 1
In the full report: the connected firm, named
- How it is linked: shared directors (1), the same phone number (1), the same postcode (1)
- Who links it to this firm: the named directors, with dates
Firms like Onpoint Business Finance
Other firms of the same type (mortgage adviser or broker), nearest first.
In Denny
In the Falkirk (FK) postcode area
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 Onpoint Business Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 20 other companies its directors have run, named
- 2 background checks on its contact details
- 5 years of accounts, charted
- All 12 events in its history
- 1 connected firm, named, and who links them
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Frequently asked questions about this firm
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Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk