Gain Credit LLC

Reference number: 689378

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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.

Also trades as
  • Afforda
  • Drafty
  • Lending Stream

Company details

From the company's Companies House record.

Company number
FC032134
Company status
Active
Company type
Overseas company
Incorporated
1 October 2014 (11 years old)
Registered office
251 Little Falls Drive, Wilmington, Delaware De 19808, United States

Current directors and secretaries

Name Role Born Appointed
Christopher Deboer Director Sep 1962 28 Jan 2015
Nicholas Ross Director Jan 1970 1 Sep 2021
Mark Robert Fiander Director Mar 1970 17 Dec 2021
Caroline Debra Walton Director Dec 1967 2 Aug 2022
Antonio Vilches Director Dec 1977 22 Nov 2023
Nallan Chakravarthi Suresh Director Sep 1963 22 Nov 2023
Melissa Soper Director Sep 1966 30 Jan 2024
Randy Socol Secretary Not published 8 Oct 2014

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 (5 permissions)
  • Credit Broking
  • Entering into high-cost short-term credit as lender
  • 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)
  • Exercising or having the right to exercise the lender's rights and duties in relation to high-cost short-term credit

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.

  • Lending Stream LLC

Names it no longer trades under

This firm has retired 7 trading names. 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 names
  • bettercredit
  • driverloans.co.uk
  • DrivingFunds
  • Lending Stream Prime
  • moneasy.co.uk
  • MoneyKnight
  • www.desicredit.co.uk

Complaints record

In January–June 2025, the Financial Ombudsman Service received 400 new complaints about this firm, and upheld 18% of the ones it decided.

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

  • Banking and credit 400

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 Gain Credit LLC FCA authorised?
Yes, Gain Credit LLC (FRN 689378) is authorised by the FCA to carry out regulated activities.
Is my money safe with Gain Credit?
Protection depends on which product you hold and how Gain Credit handles your money, so check the specific product before you commit. You can also refer complaints about Gain Credit to the Financial Ombudsman Service, free of charge.
Is Gain Credit a scam or clone?
Gain Credit 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 Gain Credit's Firm Reference Number (FRN)?
Gain Credit's FRN is 689378. You can verify it on the FCA register.