Sme Business Finance Limited

Reference number: 703334

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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 smebf.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 8652 7666 is, and the 4 other firms that give it
  • Who else gives the postcode SM1 4FS
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Other names (13)

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

  • Finance4Law Trading name
  • SME Auto Lease Trading name
  • SME Club Finance Trading name
  • SME Financial Trading name
  • SME NI Trading name
  • SME Property Finance Trading name
  • SME Protection Solutions Trading name
  • Soho Media Finance Trading name
  • High Street Finance Former trading name
  • Panacea Law Former trading name
  • SME Hospitality Finance Former trading name
  • Sterling Healthcare Finance Former trading name
  • Your Finance Network Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • Lend or arrange credit · Hire out goods to consumers 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 (16 permissions)
  • Acting as a CBTL arranger
  • Acting as a CBTL Arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Dealing in investments as agent
  • Debt Adjusting
  • Debt-counselling
  • Entering into Regulated Consumer Hire Agreements as owner
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising or having the right to exercise the owner's rights and duties under a regulated consumer hire agreement
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
08184651
Company status
Active
Company type
Private limited company
Incorporated
20 August 2012 (14 years old)
Registered office
6 Sutton Plaza, Sutton, SM1 4FS, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Neil Anthony Hutton Director Jan 1961 20 Aug 2012 39 other companies
Craig Samuel Allardyce Director Jun 1975 5 Oct 2018 2 other companies

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
40
closed down
31
are FCA-registered
3

In the full report: all 40 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 3 on the FCA register
  • The 1 company these 2 directors run together
  • All 6 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 June 2025Micro-entity accountsNot audited

Net assets

£113k

+34% from £84.5k

Employees (average)

2

Same as 2

Owed within a year

£4,732

−86% from £33.3k

Assets and liabilities

In the full report: all 6 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 08184651. 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

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

Key events (5) All events (34)

2018

3 October 2018

  • Craig Samuel Allardyce became a part-owner (25–50% of shares)

Companies House

2016

6 April 2016

  • Neil Anthony Hutton gained significant control

Companies House

31 March 2016

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

FCA register

2012

20 August 2012

  • Incorporated at Companies House

Companies House

In the full report: all 34 events

  • All 34 events in its history (5 shown here)
  • Every director appointment and resignation: 10
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Firms connected to Sme Business Finance

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

connected firms
9
share a director
3
share its phone number
4

In the full report: all 9 connected firms, named

  • How each is linked: shared directors (3), the same phone number (4), the same postcode (4)
  • Who links each one: the named directors, with dates
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Firms like Sme Business Finance

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

In Sutton

Harvey & Thompson LimitedSuttonAuthorisedAuletta SOT LimitedSuttonAuthorised

In the Sutton (SM) postcode area

Vercor Destined UK LimitedCarshaltonAuthorisedX Blade Motor bikes LimitedMordenAuthorised

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 Sme Business Finance

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

  • 40 other companies its directors have run, named
  • 3 background checks on its contact details
  • 6 years of accounts, charted
  • All 34 events in its history
  • 9 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sme Business Finance Limited FCA authorised?
Yes, Sme Business Finance Limited (FRN 703334) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since March 2016 and works as a lender. The FCA has placed no limits on its permissions.
What is Sme Business Finance’s phone number and website?
The FCA register lists the phone number 020 8652 7666 and the website smebf.co.uk for Sme Business 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 4 other FCA firms.
Is Sme Business Finance a scam or clone?
Sme Business 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 Sme Business Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Sme Business Finance to the Financial Ombudsman Service, free of charge.
Who owns Sme Business Finance?
Companies House lists 2 people with significant control of Sme Business Finance: Mr Craig Samuel Allardyce (25–50% of shares) and Mr Neil Anthony Hutton (significant influence or control).
Who runs Sme Business Finance?
Companies House lists 2 directors of Sme Business Finance: Neil Anthony Hutton and Craig Samuel Allardyce.
How long has Sme Business Finance been in business?
The company was formed on 20 August 2012, and has held its current FCA authorisation since March 2016.
What do Sme Business Finance’s latest accounts show?
Its latest accounts, to 30 June 2025, show net assets of £113k (+34% from £84.5k).
Does Sme Business Finance use any other names?
It trades as Finance4Law, SME Auto Lease, SME Club Finance, SME Financial and SME NI, and 3 more names. It has previously used 5 other names, including High Street Finance, Panacea Law and SME Hospitality Finance.

Sources and links

The full report on Sme Business Finance Limited

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