Reward Invoice Finance Limited: FCA regulated?

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.

Registered for 11 years
No FCA actions
Active company since 2015
1 thing worth a closer look in the background checks

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.

Website

rewardfunding.co.uk (opens in a new tab)
Phone number

0113 733 2620
Address

1st Floor, 12 King Street, Leeds, LS1 2HL, United Kingdom

In the full report: 3 background checks, 1 thing worth a closer look

When rewardfunding.co.uk first appeared online, and whether it can receive email
What kind of line 0113 733 2620 is, and the other firm that gives it
Who else gives the postcode LS1 2HL

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 number: 09432479 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 10 February 2015 (11 years old)
Registered office: 1st Floor 12 King Street, Leeds, LS1 2HL, England
Nature of business: Factoring (SIC 64992)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
David Anthony Harrop	Director	Apr 1970	10 Feb 2015	29 other companies
David Alan Jones	Director	Jun 1961	28 Feb 2015	7 other companies
Timothy Paul Stafford	Director	Jan 1968	23 Apr 2015	3 other companies
Nicholas Stephen Smith	Director	Feb 1975	1 Jul 2016	3 other companies
Gemma Louise Wright	Director	Mar 1977	1 Oct 2017	3 other companies
Steven David Noble	Director	Aug 1966	22 Apr 2020	2 other companies
Emma Ruff	Director	Sep 1988	31 May 2023	5 other companies
Andrew Taylor	Secretary	Not published	27 Mar 2024	–

Other companies run by these 7 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: 35
closed down: 17
are FCA-registered: 2

In the full report: all 35 companies, named

What each company does, and whether it is still trading
Which of these 7 directors sit on each board, and since when
Any that went into liquidation or administration
The 2 on the FCA register
The 4 companies these 7 directors run together
All 10 people who have ever been directors, with their dates

Key dates in its history

Reward Invoice Finance’s history from the FCA register and Companies House, newest first.

Key events (3) All events (16)

2016

6 April 2016

Reward Finance Group Ltd took control (75–100% of shares)

Companies House

2015

26 March 2015

Registered with the FCA

FCA register

10 February 2015

Incorporated at Companies House

Companies House

In the full report: all 16 events

All 16 events in its history (3 shown here)
Every director appointment and resignation: 13

Firms connected to Reward Invoice Finance

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

connected firms: 5
share a director: 2
share its phone number: 1

In the full report: all 5 connected firms, named

How each is linked: shared directors (2), the same phone number (1), the same postcode (5)
Who links each one: the named directors, with dates

Get the full report on Reward Invoice Finance

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

35 other companies its directors have run, named
3 background checks on its contact details, 1 flagged
All 16 events in its history
5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Reward Invoice Finance Limited FCA authorised?

Reward Invoice Finance Limited (FRN 676356) 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.

What is Reward Invoice Finance’s phone number and website?

The FCA register lists the phone number 0113 733 2620 and the website rewardfunding.co.uk for Reward Invoice Finance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by one other FCA firm.

Is Reward Invoice Finance a scam or clone?

Reward Invoice Finance 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 Reward Invoice Finance?

Money you hand to Reward Invoice Finance 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 Reward Invoice Finance?

Reward Invoice Finance is owned by Reward Finance Group Ltd, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.

Who runs Reward Invoice Finance?

Companies House lists 7 directors of Reward Invoice Finance: David Anthony Harrop, David Alan Jones, Timothy Paul Stafford, Nicholas Stephen Smith, Gemma Louise Wright, Steven David Noble and 1 more.

How long has Reward Invoice Finance been in business?

The company was formed on 10 February 2015.