Sterling Capital Asset Finance Limited

Reference number: 680837

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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 sterling-capital.co.uk first appeared online, and whether it can receive email
  • What kind of line 01225 444075 is
  • Who else gives the postcode BA2 3BH
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Other names (2)

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

  • Sterling Capital Trading name
  • SCM Machinery Finance Former 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 (5 permissions)
  • Credit Broking
  • Debt Adjusting
  • Debt-counselling
  • 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)

Limits on what they may do

  • Not permitted to canvass off trade premises
    The firm is not permitted to canvass regulated borrower-lender-supplier agreements or regulated consumer hire agreements off trade premises

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
05212781
Company status
Active
Company type
Private limited company
Incorporated
23 August 2004 (22 years old)
Registered office
Hanover House The Square, Lower Bristol Road, Bath, BA2 3BH
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
Wayne Alan Humphreys Director Apr 1957 23 Aug 2004 3 other companies
Vida Kim Humphreys Director Oct 1957 14 Sep 2006 2 other companies
Fiona Anne Cannon Director Sep 1970 1 Oct 2016 1 other company
Vida Kim Humphreys Secretary Not published 23 Aug 2004 –

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
3
still active
3
is FCA-registered
1

In the full report: all 3 companies, 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
  • The one on the FCA register
  • The 2 companies these 3 directors run together
  • All 4 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 30 September 2025Small company accountsNot audited

Net assets

£1.62m

<1% from £1.61m

Cash at bank

£749k

+36% from £549k

Employees (average)

5

−17% from 6

Owed within a year

£1.13m

−43% from £1.99m

Net assets

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 05212781. 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

Sterling Capital Asset Finance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (20)

2018

29 June 2018

  • Sterling Capital Holdings Ltd took control (75–100% of shares)
  • Vida Kim Humphreys stopped being a part-owner
  • Wayne Alan Humphreys stopped being the majority owner

Companies House

2016

30 June 2016

  • Vida Kim Humphreys became a part-owner (25–50% of shares)
  • Wayne Alan Humphreys became the majority owner (50–75% of shares)

Companies House

2015

30 October 2015

  • Regulated by the FCA from this date
  • FCA imposed a requirement (Not permitted to canvass off trade premises)
  • Became authorised by the FCA

FCA register

2004

23 August 2004

  • Incorporated at Companies House

Companies House

In the full report: all 20 events

  • All 20 events in its history (9 shown here)
  • Every director appointment and resignation: 5
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Firms connected to Sterling Capital Asset Finance

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

connected firms
4
share its postcode
4
past link
1

In the full report: all 4 connected firms, named

  • How each is linked: the same postcode (4)
  • Who links each one: the named directors, with dates
  • 1 past link through former directors
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Firms like Sterling Capital Asset Finance

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

In Bath

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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 Sterling Capital Asset Finance

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

  • 3 other companies its directors have run, named
  • 3 background checks on its contact details
  • 7 years of accounts, charted
  • All 20 events in its history
  • 4 connected firms, named, and who links them

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Frequently asked questions about this firm

Is Sterling Capital Asset Finance Limited FCA authorised?
Yes, Sterling Capital Asset Finance Limited (FRN 680837) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since October 2015 and works as a lender. The FCA has placed a limit on what it may do.
What is Sterling Capital Asset Finance’s phone number and website?
The FCA register lists the phone number 01225 444075 and the website sterling-capital.co.uk for Sterling Capital Asset Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Sterling Capital Asset Finance a scam or clone?
Sterling Capital Asset 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 Sterling Capital Asset Finance?
Its FCA permissions do not allow it to hold or control client money. Protection depends on which product you hold and how Sterling Capital Asset Finance handles your money, so check the specific product before you commit. You can also refer complaints about Sterling Capital Asset Finance to the Financial Ombudsman Service, free of charge.
Who owns Sterling Capital Asset Finance?
Sterling Capital Asset Finance is owned by Sterling Capital Holdings Ltd, which holds 75–100% of shares, since 29 June 2018. Before that, it was controlled by Mr Wayne Alan Humphreys and Mrs Vida Kim Humphreys.
Who runs Sterling Capital Asset Finance?
Companies House lists 3 directors of Sterling Capital Asset Finance: Wayne Alan Humphreys, Vida Kim Humphreys and Fiona Anne Cannon.
How long has Sterling Capital Asset Finance been in business?
The company was formed on 23 August 2004, and has held its current FCA authorisation since October 2015.
What do Sterling Capital Asset Finance’s latest accounts show?
Its latest accounts, to 30 September 2025, show net assets of £1.62m (<1% from £1.61m) and cash at bank of £749k (+36% from £549k).
Does Sterling Capital Asset Finance use any other names?
It trades as Sterling Capital. It has previously used the name SCM Machinery Finance.

Sources and links

The full report on Sterling Capital Asset Finance Limited

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