Rural Finance Limited

Reference number: 630701

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

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 rural-finance.co.uk first appeared online, and whether it can receive email
  • What kind of line 01978 660360 is, and the other firm that gives it
  • Who else gives the postcode LL13 9AE
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Other names (2)

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

  • Commercial & Rural Finance Trading name
  • RFL Trading name

FCA permissions and consumer protection

  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (3 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
05207393
Company status
Active
Company type
Private limited company
Incorporated
16 August 2004 (22 years old)
Registered office
5 Wilkinson Court, Wilkinson Business Park, Wrexham, LL13 9AE
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Andrew Howie Glover Director Aug 1962 29 Sep 2004 6 other companies
Michael Phillip Latham Director Sep 1961 1 Feb 2022 None

Other companies run by these 2 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
6
closed down
1
are FCA-registered
2

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 2 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The 2 on the FCA register
  • All 14 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 January 2026Full accountsNot audited

Net assets

£2.76m

<1% from £2.75m

Cash at bank

£953k

+109% from £457k

Owed within a year

£513k

−14% from £599k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2020 to 2026
  • The chart, over every year
  • Every filed figure, year by year
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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.

Accounts filed at Companies House for company 05207393. Every figure is as filed, apart from total assets and total liabilities, which are added up from filed figures. Nothing is estimated.

Key dates in its history

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

Key events (11) All events (40)

2023

25 April 2023

  • Andrew Howie Glover gained 25–50% of the votes
  • Michael Philip Latham gained 25–50% of the votes

Companies House

2022

1 February 2022

  • Michael Philip Latham became a part-owner (25–50% of shares)
  • Michael Philip Latham stopped being a part-owner
  • Rex Tattersall no longer has significant control

Companies House

31 January 2022

  • Highland Finance Limited became the majority owner (50–75% of shares)

Companies House

2016

6 April 2016

  • Rex Tattersall gained significant control

Companies House

2015

4 March 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2004

16 August 2004

  • Incorporated at Companies House

Companies House

In the full report: all 40 events

  • All 40 events in its history (11 shown here)
  • Every director appointment and resignation: 24
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Firms connected to Rural Finance

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

connected firms
3
share a director
2
share its phone number
1

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (2), the same phone number (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Firms like Rural Finance

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

In Wrexham

Arran Finance LimitedWrexhamSee the registerChirk Service StationWrexhamAuthorisedClarity Copiers (NW)WrexhamAuthorisedDyfed RobertsWrexhamAuthorisedFleet Sauce LimitedWrexhamAuthorisedJames Lester SmithWrexhamAuthorised

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 Rural Finance

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

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 40 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Rural Finance Limited FCA authorised?
Yes, Rural Finance Limited (FRN 630701) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2015 and works as a credit broker. The FCA has placed a limit on what it may do.
What is Rural Finance’s phone number and website?
The FCA register lists the phone number 01978 660360 and the website rural-finance.co.uk for Rural 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 Rural Finance a scam or clone?
Rural 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 Rural Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Rural Finance handles your money, so check the specific product before you commit. You can also refer complaints about Rural Finance to the Financial Ombudsman Service, free of charge.
Who owns Rural Finance?
Rural Finance is owned by Highland Finance Limited, which holds 50–75% of shares, since 31 January 2022. Before that, it was controlled by Mr Rex Tattersall.
Who runs Rural Finance?
Companies House lists 2 directors of Rural Finance: Andrew Howie Glover and Michael Phillip Latham.
How long has Rural Finance been in business?
The company was formed on 16 August 2004, and has held its current FCA authorisation since March 2015.
What do Rural Finance’s latest accounts show?
Its latest accounts, to 31 January 2026, show net assets of £2.76m (<1% from £2.75m) and cash at bank of £953k (+109% from £457k).
Does Rural Finance use any other names?
It trades as Commercial & Rural Finance and RFL.

Sources and links

The full report on Rural Finance Limited

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