Ram Commercial Finance Ltd

Reference number: 1051449

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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

Bizl Limited Reference number: 784499 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.
  • Ram Commercial Finance Ltd (FRN 1051449) is an AR of Bizl Limited (FRN 784499). When you use Ram Commercial Finance's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Ram Commercial 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.

  • No website on the FCA register

  • Phone number

    07879 547302

  • Address

    1 Rook Tree Close, Stotfold, Hitchin, Central Bedfordshire, SG5 4DN, United Kingdom

In the full report: 2 background checks

  • What kind of line 07879 547302 is
  • Who else gives the postcode SG5 4DN
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Other names (1)

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

  • BIZL Trading name

FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through Bizl 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
16869168
Company status
Active
Company type
Private limited company
Incorporated
22 November 2025 (less than a year old)
Registered office
1 Rook Tree Close, Stotfold, Hitchin, SG5 4DN, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Rachel Ann Bailey Director Feb 1986 22 Nov 2025 None

In the full report: every company its directors have run

  • Confirmation that its director runs no other company
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Key dates in its history

Ram Commercial Finance’s history from the FCA register and Companies House, newest first.

2026

4 March 2026

  • Became an appointed representative
  • Began trading as "BIZL"

FCA register

2025

22 November 2025

  • Incorporated at Companies House
  • Jack Middleton became a part-owner (25–50% of shares)
  • Rachel Ann Bailey became the majority owner (50–75% of shares)
  • Rachel Ann Bailey appointed as a director

Companies House

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

Firms like Ram Commercial Finance

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

In Hitchin

Esme Energy LimitedHitchinAppointed representativeFortune Financial Commercial LtdHitchinAppointed representativeNathan FosterHitchinAppointed representativeHitchin V.e. LimitedHitchinAppointed representativeC SaundersHitchinAuthorisedLeon HowmanHitchinAuthorised

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 Ram Commercial 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
  • 2 background checks on its contact details
  • All 6 events in its history

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Frequently asked questions about this firm

Is Ram Commercial Finance Ltd FCA authorised?
Ram Commercial Finance Ltd (FRN 1051449) 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 Ram Commercial 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. Ram Commercial Finance Ltd (FRN 1051449) is an AR of Bizl Limited (FRN 784499). When you use Ram Commercial Finance's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Ram Commercial 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 Ram Commercial Finance’s phone number?
The FCA register lists the phone number 07879 547302 for Ram Commercial Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Ram Commercial Finance a scam or clone?
Ram Commercial 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 Ram Commercial Finance?
Protection works through Bizl Limited, the principal firm responsible for Ram Commercial Finance's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Ram Commercial Finance?
Companies House lists 2 people with significant control of Ram Commercial Finance: Mrs Rachel Ann Bailey (50–75% of shares) and Mr Jack Middleton (25–50% of shares).
Who runs Ram Commercial Finance?
Companies House lists one director of Ram Commercial Finance: Rachel Ann Bailey.
How long has Ram Commercial Finance been in business?
The company was formed on 22 November 2025.
Does Ram Commercial Finance use any other names?
It trades as BIZL.

Sources and links

The full report on Ram Commercial Finance Ltd

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