The Mezzanine Lending Co. Limited

Reference number: 950430

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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

    Park House, Greyfriars Road, Cardiff, Caerdydd, CF10 3AF, United Kingdom

In the full report: 1 background check

  • Who else gives the postcode CF10 3AF
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Other names (1)

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

  • The Mezz Lender Trading name

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
13320641
Company status
Active
Company type
Private limited company
Incorporated
8 April 2021 (5 years old)
Registered office
1st Floor Sackville House, 143-149 Fenchurch Street, London, EC3M 6BL, 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
Andrew Herbert Armstrong Director May 1959 9 Dec 2022 8 other companies
David Gabriel Gross Director Nov 1985 24 Jan 2024 11 other companies
Rhys Douglas Hughes Director Oct 1987 24 Jan 2024 18 other companies
Karen Clark Director Jul 1970 1 Aug 2026 16 other companies
Karen Clark Secretary Not published 1 Jan 2026 –

Other companies run by these 4 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
24
closed down
2
is FCA-registered
1

In the full report: all 24 companies, named

  • What each company does, and whether it is still trading
  • Which of these 4 directors sit on each board, and since when
  • Any that went into liquidation or administration
  • The one on the FCA register
  • The 13 companies these 4 directors run together
  • All 8 people who have ever been directors, with their dates
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Filed accounts and finances

Year to 31 March 2025Full accountsAudited

Net assets

−£1.51m

Down £223k from −£1.28m

Cash at bank

£6,451

−99% from £728k

Employees (average)

5

−29% from 7

Owed within a year

£1.59m

−21% from £2.03m

Net assets are negative: on its last balance sheet the company owed £1.51m more than it owned.

The accounts for the year to 31 March 2025 do not tag profit before tax in a form that can be read automatically, so it is not shown. The last tagged figure is −£431k, for the year to 31 March 2024.

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 13320641. Figures are exactly as filed; nothing is estimated.

Key dates in its history

The Mezzanine Lending Co.’s history from the FCA register and Companies House, newest first.

Key events (3) All events (16)

2021

18 June 2021

  • Registered with the FCA

FCA register

8 April 2021

  • Incorporated at Companies House
  • Gross-Hill Properties Limited took control (75–100% of shares)

Companies House

In the full report: all 16 events

  • All 16 events in its history (3 shown here)
  • Every director appointment and resignation: 12
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Firms connected to The Mezzanine Lending Co.

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

connected firms
2
share a director
1
share its postcode
2

In the full report: all 2 connected firms, named

  • How each is linked: shared directors (1), the same postcode (2)
  • Who links each one: the named directors, with dates
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Get the full report on The Mezzanine Lending Co.

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

  • 24 other companies its directors have run, named
  • 1 background check on its contact details
  • All 16 events in its history
  • 2 connected firms, named, and who links them

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Frequently asked questions about this firm

Is The Mezzanine Lending Co. Limited FCA authorised?
The Mezzanine Lending Co. Limited (FRN 950430) 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 The Mezzanine Lending Co. a scam or clone?
The Mezzanine Lending Co. 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 The Mezzanine Lending Co.?
Money you hand to The Mezzanine Lending Co. 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 The Mezzanine Lending Co.?
The Mezzanine Lending Co. is owned by Gross-Hill Properties Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 8 April 2021.
Who runs The Mezzanine Lending Co.?
Companies House lists 4 directors of The Mezzanine Lending Co.: Andrew Herbert Armstrong, David Gabriel Gross, Rhys Douglas Hughes and Karen Clark.
How long has The Mezzanine Lending Co. been in business?
The company was formed on 8 April 2021.
What do The Mezzanine Lending Co.’s latest accounts show?
Its latest accounts, to 31 March 2025, show net assets of −£1.51m (down £223k from −£1.28m) and cash at bank of £6,451 (−99% from £728k).
Does The Mezzanine Lending Co. use any other names?
It trades as The Mezz Lender.

Sources and links

The full report on The Mezzanine Lending Co. Limited

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