Pivot Lending Limited

Reference number: 772243

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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

    Roxburghe House, 273-287 Regent Street, London, W1B 2HA, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode W1B 2HA
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Other names (1)

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

  • Pivot Trading name

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 name
PIVOT LENDING LTD
Company number
10067031
Company status
Active
Company type
Private limited company
Incorporated
16 March 2016 (10 years old)
Registered office
17-19 Maddox Street, London, W1S 2QH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Shahil Harish Kotecha Director Jan 1984 16 Mar 2016 12 other companies
Graham Anthony Johnathon Emmett Director Jan 1963 22 Jan 2025 7 other companies
Oliver James Bates Director May 1988 29 Jan 2026 5 other companies
Clare Louise Atkins Director Feb 1989 29 Apr 2026 1 other company

Other companies run by these 4 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
20
closed down
10
is FCA-registered
1

In the full report: all 20 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 3 companies these 4 directors run together
  • All 8 people who have ever been directors, with their dates
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Key dates in its history

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

Key events (17) All events (30)

2026

29 January 2026

  • Pivot Capital Limited took control (75–100% of shares)
  • Qh4 Limited stopped being a part-owner

Companies House

2023

24 November 2023

  • Qh4 Limited became a part-owner (25–50% of shares)

Companies House

23 November 2023

  • Dare To Dream London Limited stopped being a part-owner
  • Hms Securities Limited stopped being a part-owner
  • M4:19 Limited stopped being a part-owner

Companies House

2017

7 December 2017

  • Dare To Dream London Limited became a part-owner (25–50% of shares)
  • Hashit Mahendra Shah gained 25–50% of the votes
  • Hashit Mahendra Shah no longer holds 25–50% of the votes
  • Hms Securities Limited became a part-owner (25–50% of shares)
  • M4:19 Limited became a part-owner (25–50% of shares)
  • Manish Vinod Khiroya gained 25–50% of the votes
  • Manish Vinod Khiroya no longer holds 25–50% of the votes
  • Shahil Harish Kotecha stopped being a part-owner

Companies House

6 March 2017

  • Registered with the FCA

FCA register

2016

7 December 2016

  • Shahil Harish Kotecha became a part-owner (25–50% of shares)

Companies House

16 March 2016

  • Incorporated at Companies House

Companies House

In the full report: all 30 events

  • All 30 events in its history (17 shown here)
  • Every director appointment and resignation: 12
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Firms connected to Pivot Lending

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

connected firm
1
share a director
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1)
  • Who links it to this firm: the named directors, with dates
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Get the full report on Pivot Lending

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
  • 1 background check on its contact details
  • All 30 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Pivot Lending Limited FCA authorised?
Pivot Lending Limited (FRN 772243) 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 Pivot Lending a scam or clone?
Pivot 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 Pivot Lending?
Money you hand to Pivot 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 Pivot Lending?
Pivot Lending is owned by Pivot Capital Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 29 January 2026. Before that, it was controlled by Mr Hashit Mahendra Shah, Mr Manish Vinod Khiroya and Mr Shahil Harish Kotecha.
Who runs Pivot Lending?
Companies House lists 4 directors of Pivot Lending: Shahil Harish Kotecha, Graham Anthony Johnathon Emmett, Oliver James Bates and Clare Louise Atkins.
How long has Pivot Lending been in business?
The company was formed on 16 March 2016.
Does Pivot Lending use any other names?
It trades as Pivot.

Sources and links

The full report on Pivot Lending Limited

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