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.
- Appointed for 5 years
- Protected through the principal
- No FCA actions
- Active company since 2021
- Accounts filed up to 31 July 2025
- 1 thing worth a closer look in the background checks
Responsible principal firm
SME BUSINESS FINANCE LIMITED Reference number: 703334 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.
- SME Finance Ltd (FRN 960458) is an AR of SME BUSINESS FINANCE LIMITED (FRN 703334). When you use SME Finance's services, the FCA authorisation sits with the principal firm.
- Example: if you take financial advice from SME Finance, 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
-
Address
Capital Office, 124-128 City Road, London, Islington, EC1V 2NX, United Kingdom
In the full report: 2 background checks, 1 thing worth a closer look
- What kind of line +44 020 806 520 7666 is
- Whether EC1V 2NX is a shared office: 214 other firms give it
Other names (1)
If you were contacted under any of these names, it is this firm.
- High Street Finance Ltd Former name: A name it was registered under before.
FCA permissions and consumer protection
- Protection through the principal firmProtection works through Sme Business Finance 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, freeYou 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
- 13514207 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 16 July 2021 (5 years old)
- Registered office
- 124 City Road, London, EC1V 2NX, England
- Nature of business
-
- Credit granting by non-deposit taking finance houses and other specialist consumer credit grantors (SIC 64921)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| Neil Anthony Hutton | Director | Jan 1961 | 16 Jul 2021 | 39 other companies |
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 companies
- 39
- closed down
- 30
- are FCA-registered
- 3
In the full report: all 39 companies, 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
- The 3 on the FCA register
Filed accounts and finances
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
In the full report: all 4 years of accounts
- Every year from 2022 to 2025
- The chart, over every year
- Every filed figure, year by year
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 13514207. Figures are exactly as filed; nothing is estimated.
Key dates in its history
SME Finance’s history from the FCA register and Companies House, newest first.
2025
28 April 2025
- Changed its registered name from "High Street Finance Ltd"
FCA register
2021
15 October 2021
- Became an appointed representative
FCA register
16 July 2021
- Incorporated at Companies House
- Neil Anthony Hutton took control (75–100% of shares)
- Neil Anthony Hutton appointed as a director
Companies House
Director appointments and resignations, and trading names, appear under All events.
Firms connected to SME Finance
Other FCA-listed firms that share a director, phone number or address with SME Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 3
- share a director
- 3
In the full report: all 3 connected firms, named
- How each is linked: shared directors (3)
- Who links each one: the named directors, with dates
Firms like SME Finance
Other firms of the same type (credit broker), nearest first.
In London
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 Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 39 other companies its directors have run, named
- 2 background checks on its contact details, 1 flagged
- 4 years of accounts, charted
- All 5 events in its history
- 3 connected firms, named, and who links them
Instant PDF One-off payment Secure checkout by Stripe
Frequently asked questions about this firm
Is SME Finance Ltd FCA authorised?
What does appointed representative mean for SME Finance?
What is SME Finance’s phone number?
Is SME Finance a scam or clone?
Is my money safe with SME Finance?
Who owns SME Finance?
Who runs SME Finance?
How long has SME Finance been in business?
What do SME Finance’s latest accounts show?
Does SME Finance use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Complaints the Financial Ombudsman Service can help with financial-ombudsman.org.uk
- Report a scam to the FCA fca.org.uk