Billing Finance Limited

Reference number: 314223

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

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.

Company details

From the company's Companies House record.

Company number
01693490
Company status
Active
Company type
Private limited company
Incorporated
21 January 1983 (43 years old)
Registered office
Billing House, The Causeway, Great Billing, Northampton, Northants, NN3 9EX
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Oliver James Mackaness Director Mar 1975 4 Apr 2004
Simon John Bayley Director Nov 1972 2 Oct 2025

Activities and protection

What they can do, and how you are protected

  • 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.
Show FCA detail (3 permissions)
  • Credit Broking
  • Entering into regulated credit agreement as Lender (Excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)
  • Exercising/having right to exercise lender's rights and duties under a regulated credit agreement (excluding high-cost short-term credit, bill of sale agreement, and home collected credit agreement)

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • Billing Finance Ltd

Names it no longer trades under

This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.

Show the retired name
  • Orchard Leasing

Complaints record

In January–June 2025, the Financial Ombudsman Service received 86 new complaints about this firm, and upheld 23% of the ones it decided.

That is below the 31% median for the firms the Ombudsman reports on.

  • Banking and credit 86

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is Billing Finance Limited FCA authorised?
Yes, Billing Finance Limited (FRN 314223) is authorised by the FCA to carry out regulated activities.
Is my money safe with Billing Finance?
Protection depends on which product you hold and how Billing Finance handles your money, so check the specific product before you commit. You can also refer complaints about Billing Finance to the Financial Ombudsman Service, free of charge.
Is Billing Finance a scam or clone?
Billing Finance is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is Billing Finance's Firm Reference Number (FRN)?
Billing Finance's FRN is 314223. You can verify it on the FCA register.