Xcel Finance Ltd

Reference number: 806311

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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 xcelfinance.co.uk first appeared online, and whether it can receive email
  • What kind of line 07791 792475 is
  • Who else gives the postcode GU18 5YE
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Other names (3)

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

  • Xcel Buy to Let Finance Former trading name
  • Xcel Commercial Finance Former trading name
  • Xcel Personal Finance Former trading name

FCA permissions and consumer protection

  • Give regulated advice FSCS may apply
    A claim for unsuitable advice is itself FSCS-protected, up to the limit that applies to the product you were advised on.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Advise on or arrange mortgages FSCS may apply
    Mortgage advice and arranging may be FSCS-covered, up to the limit that applies.
  • 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 (10 permissions)
  • Acting as a CBTL advisor
  • Acting as a CBTL arranger
  • Advising on investments (except on Pension Transfers and Pension Opt Outs)
  • Advising on regulated mortgage contracts
  • Arranging (bringing about) deals in investments
  • Arranging (bringing about) regulated mortgage contracts
  • Credit Broking
  • Debt-counselling
  • Making arrangements with a view to regulated mortgage contracts
  • Making arrangements with a view to transactions in investments

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
10871707
Company status
Active
Company type
Private limited company
Incorporated
18 July 2017 (9 years old)
Registered office
10 High View Road, Lightwater, GU18 5YE, England
Nature of business
  • Activities auxiliary to financial intermediation not elsewhere classified (SIC 66190)

Directors and company secretaries

Name Role Born Appointed Other companies
James Aled Lloyd Director Feb 1985 18 Jul 2017 1 other company

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 company
1
still active
1

In the full report: all 1 company, 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
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Filed accounts and finances

Year to 31 July 2026Micro-entity accountsNot audited

Net assets

£15.9k

+85% from £8,607

Employees (average)

1

Same as 1

Owed within a year

£18.2k

−34% from £27.3k

Assets and liabilities

In the full report: all 8 years of accounts

  • Every year from 2019 to 2026
  • 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 10871707. 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

Xcel Finance’s history from the FCA register and Companies House, newest first.

Key events (4) All events (14)

2018

28 June 2018

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2017

18 July 2017

  • Incorporated at Companies House
  • James Aled Lloyd took control (75–100% of shares)

Companies House

In the full report: all 14 events

  • All 14 events in its history (4 shown here)
  • Every director appointment and resignation: 1
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Firms like Xcel Finance

Other firms of the same type (mortgage adviser or broker), nearest first.

In the Guildford (GU) postcode area

3Q Financial LimitedBordonAuthorisedAbundance Finance LtdFleetAuthorisedBrooklands Commercial Finance LimitedWokingAuthorisedCad Brokers LimitedCamberleyAuthorisedChl Mortgages for Intermediaries LimitedFleetRegistered for money laundering rulesChristopher John PowellAltonAuthorised

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 Xcel Finance

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

  • 1 other company its directors have run, named
  • 3 background checks on its contact details
  • 8 years of accounts, charted
  • All 14 events in its history

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Frequently asked questions about this firm

Is Xcel Finance Ltd FCA authorised?
Yes, Xcel Finance Ltd (FRN 806311) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since June 2018 and works as a mortgage adviser or broker. The FCA has placed no limits on its permissions.
What is Xcel Finance’s phone number and website?
The FCA register lists the phone number 07791 792475 and the website xcelfinance.co.uk for Xcel Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Xcel Finance a scam or clone?
Xcel 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 Xcel Finance?
Its FCA permissions do not allow it to hold or control client money. It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about Xcel Finance to the Financial Ombudsman Service, free of charge.
Who owns Xcel Finance?
Companies House lists one person with significant control of Xcel Finance: Mr James Aled Lloyd (75–100% of shares).
Who runs Xcel Finance?
Companies House lists one director of Xcel Finance: James Aled Lloyd.
How long has Xcel Finance been in business?
The company was formed on 18 July 2017, and has held its current FCA authorisation since June 2018.
What do Xcel Finance’s latest accounts show?
Its latest accounts, to 31 July 2026, show net assets of £15.9k (+85% from £8,607).
Does Xcel Finance use any other names?
It has previously used 3 other names: Xcel Buy to Let Finance, Xcel Commercial Finance and Xcel Personal Finance.

Sources and links

The full report on Xcel Finance Ltd

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