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 1 year
- Protected through the principal
- No FCA actions
- Active company since 2024
- Accounts filed up to 30 September 2025
Responsible principal firm
Optimum Commercial Solutions Ltd Reference number: 808754 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.
- Pearl Funding Ltd (FRN 1020463) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use Pearl Funding's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from Pearl Funding, 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
A6 Moorfield Road, Wolverhampton, WV2 4QT, United Kingdom
In the full report: 2 background checks
- What kind of line 07511 163588 is
- Who else gives the postcode WV2 4QT
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Optimum Commercial Solutions Ltd, 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
- 15978564 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 25 September 2024 (2 years old)
- Registered office
- A6 Moorfield Road, Wolverhampton, WV2 4QT, England
- Nature of business
-
- Financial intermediation not elsewhere classified (SIC 64999)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Arpinder Singh Kalley | Director | Jun 1987 | 25 Sep 2024 | None |
In the full report: every company its directors have run
- Confirmation that its director runs no other company
Filed accounts and finances
Net assets
£16.6k
No earlier figure to compare
Cash at bank
£37.5k
No earlier figure to compare
Employees (average)
0
No earlier figure to compare
Owed within a year
£31.9k
No earlier figure to compare
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 15978564. Figures are exactly as filed; nothing is estimated.
Key dates in its history
Pearl Funding’s history from the FCA register and Companies House, newest first.
2024
22 November 2024
- Became an appointed representative
FCA register
25 September 2024
- Incorporated at Companies House
- Arpinder Singh Kalley took control (75–100% of shares)
- Arpinder Singh Kalley appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to Pearl Funding
Other FCA-listed firms that share a director, phone number or address with Pearl Funding. 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
Firms like Pearl Funding
Other firms of the same type (credit broker), nearest first.
In Wolverhampton
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 Pearl Funding
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
- 2 background checks on its contact details
- All 4 events in its history
- 2 connected firms, named, and who links them
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Frequently asked questions about this firm
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Who runs Pearl Funding?
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What do Pearl Funding’s latest accounts show?
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