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.
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No website on the FCA register
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No phone number on the FCA register
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Address
Castlefield House, Liverpool Road, Manchester, Greater Manchester, M3 4SB, United Kingdom
In the full report: 1 background check
- Who else gives the postcode M3 4SB
Other names (1)
If you were contacted under any of these names, it is this firm.
- Time Finance Trading name: A name it trades under now.
Past FCA permissions and consumer protection
- Money-laundering registration onlyThis 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
- 06263602 (opens Companies House in a new tab)
- Company status
- Active
- Company type
- Private limited company
- Incorporated
- 30 May 2007 (19 years old)
- Registered office
- 2nd Floor, St James House The Square, Lower Bristol Road, Bath, BA2 3BH, England
- Nature of business
-
- Factoring (SIC 64992)
Directors and company secretaries
| Name | Role | Born | Appointed | Other companies |
|---|---|---|---|---|
| James Matthew Arthur Roberts | Director | Sep 1977 | 29 Jun 2017 | 24 other companies |
| Edward John Rimmer | Director | Jul 1972 | 22 Feb 2021 | 58 other companies |
| James Matthew Arthur Roberts | Secretary | Not published | 14 Apr 2022 | – |
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
- 60
- closed down
- 27
- are FCA-registered
- 22
In the full report: all 60 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 22 on the FCA register
- The 22 companies these 2 directors run together
- All 11 people who have ever been directors, with their dates
Key dates in its history
Time Invoice Finance’s history from the FCA register and Companies House, newest first.
2022
20 August 2022
- Positive Cashflow Finance Holdings Ltd gave up control
Companies House
2021
10 August 2021
- Registered with the FCA
FCA register
2020
7 December 2020
- Time Commercial Finance Limited took control (75–100% of shares)
Companies House
2019
6 March 2019
- Positive Cash Flow Finance (Holdings) Limited gave up control
Companies House
2016
6 April 2016
- Positive Cash Flow Finance (Holdings) Limited took control (75–100% of shares)
- Positive Cashflow Finance Holdings Ltd took control (75–100% of shares)
Companies House
2007
30 May 2007
- Incorporated at Companies House
Companies House
In the full report: all 28 events
- All 28 events in its history (7 shown here)
- Every director appointment and resignation: 20
Firms connected to Time Invoice Finance
Other FCA-listed firms that share a director, phone number or address with Time Invoice Finance. A link shows who the firm is tied to, not whether either can be trusted.
- connected firms
- 4
- share a director
- 4
- past link
- 1
In the full report: all 4 connected firms, named
- How each is linked: shared directors (4)
- Who links each one: the named directors, with dates
- 1 past link through former directors
Get the full report on Time Invoice Finance
Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.
- 60 other companies its directors have run, named
- 1 background check on its contact details
- All 28 events in its history
- 4 connected firms, named, and who links them
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Frequently asked questions about this firm
Is Time Invoice Finance Limited FCA authorised?
Is Time Invoice Finance a scam or clone?
Is my money safe with Time Invoice Finance?
Who owns Time Invoice Finance?
Who runs Time Invoice Finance?
How long has Time Invoice Finance been in business?
Does Time Invoice Finance use any other names?
Sources and links
- Its entry on the FCA register register.fca.org.uk
- Its Companies House record gov.uk
- Report a scam to the FCA fca.org.uk