Sme Commercial Funding Limited

Reference number: 1050874

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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.

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.

  • No website on the FCA register

  • No phone number on the FCA register

  • Address

    18 The Bridge Centre, Chesterfield, Derbyshire, S41 9FG, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode S41 9FG
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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
15088648
Company status
Active
Company type
Private limited company
Incorporated
22 August 2023 (3 years old)
Registered office
18 The Bridge Business Centre, Beresford Way, Chesterfield, Derbyshire, S41 9FG, England
Nature of business
  • Dormant Company (SIC 99999)

Directors and company secretaries

Name Role Born Appointed Other companies
Keith Robin Cottam Director Sep 1962 22 Aug 2023 18 other companies
Richard William Marlow Director Feb 1969 22 Aug 2023 14 other companies
Brian Edward Brodie Director Jul 1965 9 Jan 2026 31 other companies

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 companies
49
closed down
10
went insolvent
2

In the full report: all 49 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 9 on the FCA register, including 3 no longer authorised
  • The 13 companies these 3 directors run together
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Filed accounts and finances

Year to 31 August 2026Dormant company accountsNot audited

Net assets

£100

Same as £100

Cash at bank

£100

Same as £100

These accounts were filed as dormant: the company reported no significant trading in the period.

Net assets

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 15088648. Figures are exactly as filed; nothing is estimated.

Key dates in its history

Sme Commercial Funding’s history from the FCA register and Companies House, newest first.

Key events (4) All events (7)

2026

6 March 2026

  • Registered with the FCA

FCA register

2023

22 August 2023

  • Incorporated at Companies House
  • Keith Robin Cottam became a part-owner (25–50% of shares)
  • Richard William Marlow became a part-owner (25–50% of shares)

Companies House

In the full report: all 7 events

  • All 7 events in its history (4 shown here)
  • Every director appointment and resignation: 3
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Firms connected to Sme Commercial Funding

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

connected firms
3
share a director
3
share its postcode
2

In the full report: all 3 connected firms, named

  • How each is linked: shared directors (3), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 6 past links through former directors
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Get the full report on Sme Commercial Funding

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

  • 49 other companies its directors have run, named
  • 1 background check on its contact details
  • All 7 events in its history
  • 3 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sme Commercial Funding Limited FCA authorised?
Sme Commercial Funding Limited (FRN 1050874) 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.
Is Sme Commercial Funding a scam or clone?
Sme Commercial Funding 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 Sme Commercial Funding?
Money you hand to Sme Commercial Funding 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 Sme Commercial Funding?
Companies House lists 2 people with significant control of Sme Commercial Funding: Keith Robin Cottam (25–50% of shares) and Richard William Marlow (25–50% of shares).
Who runs Sme Commercial Funding?
Companies House lists 3 directors of Sme Commercial Funding: Keith Robin Cottam, Richard William Marlow and Brian Edward Brodie.
How long has Sme Commercial Funding been in business?
The company was formed on 22 August 2023.
What do Sme Commercial Funding’s latest accounts show?
Its latest accounts, to 31 August 2026, show net assets of £100 (same as £100) and cash at bank of £100 (same as £100).

Sources and links

The full report on Sme Commercial Funding Limited

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