Smart Funding Solutions Limited

Reference number: 972740

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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

White Rose Finance Group Limited Reference number: 630772 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.
  • Smart Funding Solutions Limited (FRN 972740) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Smart Funding Solutions's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Smart Funding Solutions, 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

    07815 945470

  • Address

    11 Centenary Close, Broughton, Chester, Flintshire, CH4 0FY, United Kingdom

In the full report: 2 background checks

  • What kind of line 07815 945470 is
  • Who else gives the postcode CH4 0FY
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FCA permissions and consumer protection

  • Protection through the principal firm
    Protection works through White Rose Finance Group 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
13930483
Company status
Active
Company type
Private limited company
Incorporated
21 February 2022 (4 years old)
Registered office
Coworkz Business Centre Office 37 Main Office, Minerva Avenue, Chester West Employment Park, Chester, CH1 4QL, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Simon Palmer Director Sep 1990 21 Feb 2022 1 other company

Other companies run by its director

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
closed down
1

In the full report: all 1 company, named

  • What each company does, and whether it is still trading
  • Which of its director sits 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 26 February 2025Full accountsNot audited

Total equity

£172

−86% from £1,200

Cash at bank

£52

−99% from £9,422

Owed within a year

£23.4k

−24% from £30.8k

Assets and liabilities

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 13930483. 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

Smart Funding Solutions’s history from the FCA register and Companies House, newest first.

Key events (5) All events (13)

2025

6 May 2025

  • Craig Andrew Donnelly stopped being a part-owner

Companies House

2022

23 March 2022

  • Became an appointed representative

FCA register

21 February 2022

  • Incorporated at Companies House
  • Craig Andrew Donnelly became a part-owner (25–50% of shares)
  • Simon Palmer became a part-owner (25–50% of shares)

Companies House

In the full report: all 13 events

  • All 13 events in its history (5 shown here)
  • Every director appointment and resignation: 7
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Firms like Smart Funding Solutions

Other firms of the same type (mortgage adviser or broker), nearest first.

In Chester

Another Place (Mortgage Brokers) LtdChesterAppointed representativeBe My Broker LimitedChesterAppointed representativeBespoke Mortgage & Protection Services LtdChesterAppointed representativeBusiness & Tax Loans LimitedChesterAppointed representativeClark Mortgages LtdChesterAppointed representativeDavid MartinChesterAppointed representative

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 Smart Funding Solutions

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
  • 2 background checks on its contact details
  • All 13 events in its history

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Frequently asked questions about this firm

Is Smart Funding Solutions Limited FCA authorised?
Smart Funding Solutions Limited (FRN 972740) 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 Smart Funding Solutions?
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. Smart Funding Solutions Limited (FRN 972740) is an AR of White Rose Finance Group Limited (FRN 630772). When you use Smart Funding Solutions's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Smart Funding Solutions, 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 Smart Funding Solutions’ phone number?
The FCA register lists the phone number 07815 945470 for Smart Funding Solutions. If you were given different contact details, use these to check with the firm before going any further.
Is Smart Funding Solutions a scam or clone?
Smart Funding Solutions 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 Smart Funding Solutions?
Protection works through White Rose Finance Group Limited, the principal firm responsible for Smart Funding Solutions's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Who owns Smart Funding Solutions?
Companies House lists one person with significant control of Smart Funding Solutions: Mr Simon Palmer (25–50% of shares). Before that, it was controlled by Mr Craig Andrew Donnelly.
Who runs Smart Funding Solutions?
Companies House lists one director of Smart Funding Solutions: Simon Palmer.
How long has Smart Funding Solutions been in business?
The company was formed on 21 February 2022.
What do Smart Funding Solutions’ latest accounts show?
Its latest accounts, to 26 February 2025, show total equity of £172 (−86% from £1,200) and cash at bank of £52 (−99% from £9,422).

Sources and links

The full report on Smart Funding Solutions Limited

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