Watts Commercial 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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- · This permission is limited to debt adjusting with no debt management activity
Debt Advice
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- · This permission is limited to debt counselling with no debt management activity

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

Andrew Michael Watts
IRN AMW00017
- SMF3 Executive Director (9 Dec 2019 to 23 Dec 2024)
- SMF16 Compliance Oversight (9 Dec 2019 to 23 Dec 2024)
- CF10 Compliance Oversight (2 Jun 2017 to 8 Dec 2019)
- CF1 Director (30 Dec 2015 to 8 Dec 2019)
Callum Taylor
IRN CXT17625
- CF1 Director (AR) (30 Jul 2019 to 8 Jun 2021)
Jeremy Paul Gibson
IRN JPG01076
- Director of firm who is not a certification employee or a SMF manager (since 23 Dec 2024)
John Mark Cox
IRN JMC01434
- CF4 Partner (AR) (since 24 Oct 2025)
Mayank Prakash
IRN MXP00295
- Director of firm who is not a certification employee or a SMF manager (since 21 Oct 2025)
Philip John Gray
IRN PJG01275
- CF4 Partner (AR) (since 24 Oct 2025)
- SMF16 Compliance Oversight (since 26 Mar 2025)
- SMF3 Executive Director (since 9 Dec 2019)
- CF1 Director (30 Dec 2015 to 8 Dec 2019)
Sarah Spooner
IRN SXS00744
- CF4 Partner (AR) (since 27 Oct 2021)
Simon David Embley
IRN SDE01021
- Director of firm who is not a certification employee or a SMF manager (23 Dec 2024 to 21 Oct 2025)
Steven William Burgess Boyde
IRN SXB19703
- CF1 Director (AR) (4 Sep 2019 to 8 Jun 2021)

Smaller firms operating under this firm's FCA authorisation.

Watts & Cox Partnership LLP
FRN 1042217 · Appointed 24 Oct 2025
Pennant Finance
FRN 955468 · Appointed 25 Jul 2021
Haydn Jones & Sarah Spooner (no longer appointed)
FRN 935202 · Appointed 30 Sep 2020 · Until 27 Jan 2023
Mark Gibbons (no longer appointed)
FRN 927184 · Appointed 3 Jun 2020 · Until 3 Jun 2020
JKP Business Services Ltd (no longer appointed)
FRN 920490 · Appointed 31 Jan 2020 · Until 10 Mar 2020
Laurence Jackson (no longer appointed)
FRN 920177 · Appointed 27 Jan 2020 · Until 5 Mar 2020
Axis Corporate Solutions Ltd (no longer appointed)
FRN 920017 · Appointed 23 Jan 2020 · Until 25 Feb 2020
Alchemy Business Finance Ltd (no longer appointed)
FRN 919878 · Appointed 21 Jan 2020 · Until 5 Mar 2020
Evolve Project Consultancy Ltd (no longer appointed)
FRN 919894 · Appointed 21 Jan 2020 · Until 5 Mar 2020
Sarah Terry (no longer appointed)
FRN 918345 · Appointed 16 Dec 2019 · Until 5 Mar 2020

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.