UMi Funding Services Limited: FCA regulated?

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 1 year
Protected through the principal
No FCA actions
Active company since 2024
Accounts filed up to 31 March 2026
On its latest accounts it owed £13.6k more than it owned

Responsible principal firm

Optimum Commercial Solutions Ltd Reference number: 808754 Authorised 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.
UMi Funding Services Limited (FRN 1021393) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use UMi Funding Services's services, the FCA authorisation sits with the principal firm.
Example: if you take financial advice from UMi Funding Services, 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

07710 476907
Address

Navigators Point, Belmont Business Park, Durham, County Durham, DH1 1TW, United Kingdom

In the full report: 2 background checks

What kind of line 07710 476907 is
Who else gives the postcode DH1 1TW

Other names (3)

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

UMi Trading name: A name it trades under now.
UMi Get Funding Trading name: A name it trades under now.
We Are UMi Trading name: A name it trades under now.

FCA permissions and consumer protection

Protection through the principal firm
Protection works through Optimum Commercial Solutions Ltd, 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, free
You 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: 16034772 (opens Companies House in a new tab)
Company status: Active
Company type: Private limited company
Incorporated: 22 October 2024 (2 years old)
Registered office: Navigators Point, Belmont Business Park, Durham, DH1 1TW, England
Nature of business: Financial intermediation not elsewhere classified (SIC 64999)
Other business support service activities not elsewhere classified (SIC 82990)

Directors and company secretaries

Name	Role	Born	Appointed	Other companies
Nicola Clark	Director	Apr 1973	22 Oct 2024	4 other companies
Julie Cuthbertson	Director	Jul 1981	22 Oct 2024	6 other companies
Simon Justin Philip Goon	Director	Jan 1972	22 Oct 2024	13 other companies
Suzanne Dawn Mccreedy	Director	Jul 1975	22 Oct 2024	10 other companies
Beverley Ann Tindale	Secretary	Not published	22 Oct 2024	–

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: 21
closed down: 4
is FCA-registered: 1

In the full report: all 21 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 7 companies these 4 directors run together

Filed accounts and finances

Year to 31 March 2026Full accountsAudited

Total equity

−£13.6k

Down £13.4k from −£185

Cash at bank

£27.7k

+183% from £9,814

Employees (average)

0

Same as 0

Owed within a year

£48.3k

No earlier figure to compare

Total equity is negative: on its last balance sheet the company owed £13.6k more than it owned.

Total equity

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 16034772. Figures are exactly as filed; nothing is estimated.

Key dates in its history

UMi Funding Services’s history from the FCA register and Companies House, newest first.

Key events (3) All events (10)

2024

13 December 2024

Became an appointed representative

FCA register

22 October 2024

Incorporated at Companies House
Umi Holdings Limited took control (75–100% of shares)

Companies House

In the full report: all 10 events

All 10 events in its history (3 shown here)
Every director appointment and resignation: 4

Firms connected to UMi Funding Services

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

past link: 1

In the full report: all 0 connected firms, named

1 past link through former directors

Firms like UMi Funding Services

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

In Durham

Evenmore PropertiesDurhamAppointed representative North East Developments LtdDurhamAppointed representative Dhs Educational Foundation LimitedDurhamAppointed representative Vimma Energy LtdDurhamAppointed representative Alan BriscoeDurhamAuthorised Kudos Commercial Finance LimitedDurhamAuthorised

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 UMi Funding Services

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

21 other companies its directors have run, named
2 background checks on its contact details
All 10 events in its history

Instant PDF One-off payment Secure checkout by Stripe

Frequently asked questions about this firm

Is UMi Funding Services Limited FCA authorised?

UMi Funding Services Limited (FRN 1021393) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.

What does appointed representative mean for UMi Funding Services?

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. UMi Funding Services Limited (FRN 1021393) is an AR of Optimum Commercial Solutions Ltd (FRN 808754). When you use UMi Funding Services's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from UMi Funding Services, 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.

What is UMi Funding Services’ phone number?

The FCA register lists the phone number 07710 476907 for UMi Funding Services. If you were given different contact details, use these to check with the firm before going any further.

Is UMi Funding Services a scam or clone?

UMi Funding Services 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 UMi Funding Services?

Protection works through Optimum Commercial Solutions Ltd, the principal firm responsible for UMi Funding Services's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.

Who owns UMi Funding Services?

UMi Funding Services is owned by Umi Holdings Limited, which holds 75–100% of shares and 75–100% of votes, since 22 October 2024.

Who runs UMi Funding Services?

Companies House lists 4 directors of UMi Funding Services: Nicola Clark, Julie Cuthbertson, Simon Justin Philip Goon and Suzanne Dawn McCreedy.

How long has UMi Funding Services been in business?

The company was formed on 22 October 2024.

What do UMi Funding Services’ latest accounts show?

Its latest accounts, to 31 March 2026, show total equity of −£13.6k (down £13.4k from −£185) and cash at bank of £27.7k (+183% from £9,814).

Does UMi Funding Services use any other names?

It trades as UMi, UMi Get Funding and We Are UMi.