Sg&f Finance Limited

Reference number: 698284

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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, 1 thing worth a closer look

  • When merseyloans.co.uk first appeared online, and whether it can receive email
  • What kind of line 0151 260 5544 is, and the 3 other firms that give it
  • Who else gives the postcode L4 2SG
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Other names (1)

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

  • Mersey Loans 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 (2 permissions)
  • Entering into a regulated home credit loan agreement as lender
  • Exercising or having the right to exercise the lender's rights and duties under a regulated home credit loan agreement

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
09569716
Company status
Active
Company type
Private limited company
Incorporated
30 April 2015 (11 years old)
Registered office
Hamilton House, 141 Priory Road, Liverpool, L4 2SG, England
Nature of business
  • Other credit granting not elsewhere classified (SIC 64929)

Directors and company secretaries

Name Role Born Appointed Other companies
Geoffrey Dunning Director Oct 1958 30 Apr 2015 1 other company
Thomas Dunning Director Feb 1986 30 Apr 2015 None
Lyndsey Andrea Simpson Director Feb 1987 21 Apr 2026 None
Amanda Dunning Secretary Not published 30 Apr 2015 –

Other companies run by these 3 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 company
1
still active
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 December 2025Micro-entity accountsNot audited

Net assets

£251k

+34% from £187k

Employees (average)

5

Same as 5

Owed within a year

£75.9k

+54% from £49.2k

Assets and liabilities

In the full report: all 7 years of accounts

  • Every year from 2019 to 2025
  • 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.

There is no turnover or profit: small companies do not have to publish them.

Accounts filed at Companies House for company 09569716. 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

Sg&f Finance’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2024

19 January 2024

  • Thomas Dunning became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Geoffrey Dunning became the majority owner (50–75% of shares)

Companies House

2015

12 November 2015

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

30 April 2015

  • Incorporated at Companies House

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Sg&f Finance

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

connected firms
3
share its phone number
3
share its postcode
3

In the full report: all 3 connected firms, named

  • How each is linked: the same phone number (3), the same postcode (3)
  • Who links each one: the named directors, with dates
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Firms like Sg&f Finance

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

In Liverpool

Shop Direct Finance Company LimitedLiverpoolAuthorisedAcorn Insurance and Financial Services LimitedLiverpoolAuthorisedA & E E Callan LimitedLiverpoolAuthorisedA & S SuppliesliverpoolAuthorisedAlan O'connorLiverpoolAuthorisedAsh Loans LimitedLiverpoolAuthorised

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 Sg&f Finance

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details, 1 flagged
  • 7 years of accounts, charted
  • All 13 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sg&f Finance Limited FCA authorised?
Yes, Sg&f Finance Limited (FRN 698284) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since November 2015 and works as a lender. The FCA has placed no limits on its permissions.
What is Sg&f Finance’s phone number and website?
The FCA register lists the phone number 0151 260 5544 and the website merseyloans.co.uk for Sg&f 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 3 other FCA firms.
Is Sg&f Finance a scam or clone?
Sg&f 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 Sg&f Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Sg&f Finance handles your money, so check the specific product before you commit. You can also refer complaints about Sg&f Finance to the Financial Ombudsman Service, free of charge.
Who owns Sg&f Finance?
Companies House lists 2 people with significant control of Sg&f Finance: Mr Geoffrey Dunning (50–75% of shares) and Mr Thomas Dunning (25–50% of shares).
Who runs Sg&f Finance?
Companies House lists 3 directors of Sg&f Finance: Geoffrey Dunning, Thomas Dunning and Lyndsey Andrea Simpson.
How long has Sg&f Finance been in business?
The company was formed on 30 April 2015, and has held its current FCA authorisation since November 2015.
What do Sg&f Finance’s latest accounts show?
Its latest accounts, to 31 December 2025, show net assets of £251k (+34% from £187k).
Does Sg&f Finance use any other names?
It trades as Mersey Loans.

Sources and links

The full report on Sg&f Finance Limited

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