Empire Commercial Lending Ltd

Reference number: 1045247

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Appointed representative

This firm does not hold FCA authorisation of its own. It acts under a principal firm, which is legally responsible for its regulated business.

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.
  • Empire Commercial Lending Ltd (FRN 1045247) is an AR of OPTIMUM COMMERCIAL SOLUTIONS LTD (FRN 808754). When you use Empire Commercial Lending's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Empire Commercial Lending, 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.

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.

  • No website on the FCA register

  • Verified phone number

    07876 333937

  • Verified address

    Office 9, 15 Pitreavie Court, Dunfermline, KY11 8UU, United Kingdom

Company details

From the company's Companies House record.

Company number
SC860568
Company status
Active
Company type
Private limited company
Incorporated
27 August 2025 (less than a year old)
Registered office
15 Pitreavie Court Queensferry Road, Dunfermline, KY11 8UU, Scotland
Nature of business
  • Activities of mortgage finance companies (SIC 64922)

Current directors and secretaries

Name Role Born Appointed
Nathan Hunter Director Sep 1987 27 Aug 2025
Craig Murray Director Jul 1975 27 Aug 2025

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

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

Track record

FCA actions and complaints

No FCA disciplinary action, and no complaints recorded with the Ombudsman.

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Common questions

Frequently asked questions

Is Empire Commercial Lending Ltd FCA authorised?
Empire Commercial Lending Ltd (FRN 1045247) 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 Empire Commercial Lending?
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. Empire Commercial Lending Ltd (FRN 1045247) is an AR of OPTIMUM COMMERCIAL SOLUTIONS LTD (FRN 808754). When you use Empire Commercial Lending's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Empire Commercial Lending, 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.
Is my money safe with Empire Commercial Lending?
Protection works through OPTIMUM COMMERCIAL SOLUTIONS LTD, the principal firm responsible for Empire Commercial Lending's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Empire Commercial Lending a scam or clone?
Empire Commercial Lending 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 Empire Commercial Lending's Firm Reference Number (FRN)?
Empire Commercial Lending's FRN is 1045247. You can verify it on the FCA register.