Optimal Business Finance Ltd

Reference number: 1004627

Instant download

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.

Responsible principal firm

Crystal Business Finance Limited Reference number: 653671 Authorised 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.
  • Optimal Business Finance Ltd (FRN 1004627) is an AR of Crystal Business Finance Limited (FRN 653671). When you use Optimal Business Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Optimal 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.

In the full report: 3 background checks

  • When optimal-finance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07885 879684 is
  • Who else gives the postcode CM18 7JE
Instant PDF download

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Crystal Business Finance 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, free
    You 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
15074751
Company status
Active
Company type
Private limited company
Incorporated
15 August 2023 (3 years old)
Registered office
15 Rye Hill Road, Harlow, CM18 7JE, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Jack Antony Candler Director Sep 1997 15 Aug 2023 None
Brandon Anthony King Director Nov 1997 15 Aug 2023 None

In the full report: every company its directors have run

  • Confirmation that these 2 directors run no other company
Instant PDF download

Filed accounts and finances

Year to 31 August 2025Abridged accountsNot audited

Total equity

£703

−95% from £14.7k

Cash at bank

£15.4k

−50% from £31.1k

Employees (average)

2

Same as 2

Owed within a year

£15.6k

−12% from £17.7k

Total equity

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 15074751. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Optimal Business Finance’s history from the FCA register and Companies House, newest first.

2023

22 November 2023

  • Became an appointed representative

FCA register

15 August 2023

  • Incorporated at Companies House
  • Brandon Anthony King became a part-owner (25–50% of shares)
  • Jack Antony Candler became a part-owner (25–50% of shares)
  • Brandon Anthony King appointed as a director
  • Jack Antony Candler appointed as a director

Companies House

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

Firms like Optimal Business Finance

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

In Harlow

Atlantic Tech Services LtdHarlowAppointed representativeRobert Mark WhetstoneHarlowAppointed representativeLouis StroudHarlowAuthorisedMotabilityHarlowAuthorisedRoy Victor WhiteHarlowAuthorisedIndustrial Tool Supplies (London) LimitedHarlowAuthorised

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 Optimal Business Finance

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

  • Every company its directors have run, named
  • 3 background checks on its contact details
  • All 6 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is Optimal Business Finance Ltd FCA authorised?
Optimal Business Finance Ltd (FRN 1004627) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does appointed representative mean for Optimal Business Finance?
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. Optimal Business Finance Ltd (FRN 1004627) is an AR of Crystal Business Finance Limited (FRN 653671). When you use Optimal Business Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Optimal 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.
What is Optimal Business Finance’s phone number and website?
The FCA register lists the phone number 07885 879684 and the website optimal-finance.co.uk for Optimal Business Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Optimal Business Finance a scam or clone?
Optimal Business Finance 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 Optimal Business Finance?
Protection works through Crystal Business Finance Limited, the principal firm responsible for Optimal Business Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Optimal Business Finance?
Companies House lists 2 people with significant control of Optimal Business Finance: Mr Jack Antony Candler (25–50% of shares) and Mr Brandon Anthony King (25–50% of shares).
Who runs Optimal Business Finance?
Companies House lists 2 directors of Optimal Business Finance: Jack Antony Candler and Brandon Anthony King.
How long has Optimal Business Finance been in business?
The company was formed on 15 August 2023.
What do Optimal Business Finance’s latest accounts show?
Its latest accounts, to 31 August 2025, show total equity of £703 (−95% from £14.7k) and cash at bank of £15.4k (−50% from £31.1k).

Sources and links

The full report on Optimal Business Finance Ltd

£19.99 · Instant PDF download

Loading secure checkout…