Crystal Business Finance Limited

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Addresses

The contact details this firm has registered with the FCA.

The regulated activities the FCA has granted this firm permission to carry out.

Authorised to Operate
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- · The firm can only agree to carry on the regulated activities specified in this Notice.
Credit Brokering
Debt Negotiation
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- · Limited to debt adjusting excluding the conclusion or administration of debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.
Debt Advice
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- · Limited to debt counselling excluding giving advice about debt management plans. In this limitation “debt management plans” is defined as: “a non-statutory agreement between a customer and one or more of the customer's lenders the aim of which is to discharge or liquidate the customer's debts, by making regular payments to a third party which administers the plan and distributes the money to the lenders”.

Senior staff personally approved by the FCA to hold their roles here.

Kevin Thomas
IRN KXT00263
- CF1 Director (AR) (since 12 May 2023)
Luke Graham Haffenden
IRN LXH00341
- CF1 Director (AR) (17 Mar 2022 to 1 Aug 2023)
Martin Edwin Francis James
IRN MEJ01040
- SMF16 Compliance Oversight (since 9 Dec 2019)
- SMF3 Executive Director (since 9 Dec 2019)
- CF10 Compliance Oversight (14 Jun 2017 to 8 Dec 2019)
- CF1 Director (4 Aug 2015 to 8 Dec 2019)
Michael Brockbank
IRN MXB00880
- CF1 Director (AR) (6 May 2022 to 19 May 2022)
Michael Steven Austin
IRN MSA01202
- SMF3 Executive Director (since 9 Dec 2019)
- CF1 Director (4 Aug 2015 to 8 Dec 2019)
SARAH WICKHAM
IRN SXW07296
- CF1 Director (AR) (since 13 Mar 2024)
Samantha Jane Bilo
IRN SXB00823
- CF1 Director (AR) (since 13 Jan 2022)

Smaller firms operating under this firm's FCA authorisation.

HOLMSWOOD ASSET FINANCE LIMITED
FRN 1026063 · Appointed 8 Oct 2025
WHITESTONE FINANCE LTD
FRN 1016824 · Appointed 21 Jul 2025
THINK ASSET FINANCE LIMITED
FRN 992089 · Appointed 13 Mar 2024
NEXUS BUSINESS FINANCE LTD
FRN 1004093 · Appointed 18 Dec 2023
Optimal Business Finance Ltd
FRN 1004627 · Appointed 22 Nov 2023
KMAC FINANCE LTD
FRN 995928 · Appointed 5 May 2023
Lendaline Business Finance Ltd
FRN 975936 · Appointed 18 May 2022
FS4U Ltd
FRN 967091 · Appointed 7 Jan 2022
ICC Asset Finance Limited (no longer appointed)
FRN 1040631 · Appointed 6 Oct 2025 · Until 12 Dec 2025
Three Business Finance Limited (no longer appointed)
FRN 1031647 · Appointed 22 Apr 2025 · Until 27 Jun 2025

Updates to this firm's record on the FCA register.

No changes recorded yet.

A quick guide to the terms on this page.

The FCA: The Financial Conduct Authority is the UK's regulator for banking, lending, insurance, investments and payments. Any firm offering these services has to be authorised by the FCA.
Permissions: The specific regulated activities a firm is allowed to carry out, like advising on insurance, lending money or arranging investments. Anything outside this list isn't covered.
Approved individuals: Senior staff (directors, compliance officers and similar) have to be approved by the FCA personally before they can take up the role. They're held accountable for the firm's conduct.
Appointed representatives: Smaller firms can do regulated business under another firm's authorisation rather than getting their own. The bigger firm (the 'principal') is legally on the hook for what they do.

Information on this page is sourced from the official FCA register.