Independent Growth Finance Limited

Reference number: 775198

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On the register, but not FCA authorised

This firm is registered with the FCA for anti-money-laundering checks only, which is why it appears on the register. That is not authorisation: the FCA does not oversee how it treats customers, and FSCS protection does not apply.

What does this mean?
  • Some businesses are required by law to have an anti-money-laundering supervisor. For this kind of business that supervisor is the FCA, and the registration is the only reason the firm appears on the FCA register.
  • What the FCA checks is narrow: that the firm identifies its customers, keeps records, and reports suspicious activity. It is the anti-crime paperwork behind a bank asking you for ID.
  • It does not check anything about you as a customer. Not whether the firm treats you fairly, not whether it is financially sound, not whether what it sells is any good. The FCA describes firms registered this way as “not authorised or subject to wider FCA regulation”.
  • So if the firm fails or treats you badly, there is no FSCS compensation, and the Financial Ombudsman Service usually cannot look at a complaint about unregulated business.

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
  • IGF Independent Growth Finance

Company details

From the company's Companies House record.

Company number
10077673
Company status
Active
Company type
Private limited company
Incorporated
22 March 2016 (10 years old)
Registered office
Kingsgate, High Street, Redhill, RH1 1SG, England
Nature of business
  • Activities of head offices (SIC 70100)

Current directors and secretaries

Name Role Born Appointed
John Michael Hudson Director Jul 1968 11 Apr 2016
Peter William Ralph Director May 1979 20 May 2016
John Richard Allbrook Director Nov 1961 23 May 2019
Stephen Michael Moore Director May 1962 27 Aug 2019
Steven Jonathan Chait Director Feb 1965 27 Sep 2023
Amy Margaret Garces Director Oct 1974 20 Nov 2025

Check on the FCA register → Report a scam →

Activities and protection

What the record covers, and how you are protected

  • Money-laundering registration only
    This firm is registered for anti-money-laundering supervision only. It is not FCA-authorised. Money you hand over is not protected by the FSCS, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.

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 Independent Growth Finance Limited FCA authorised?
Independent Growth Finance Limited (FRN 775198) is registered with the FCA under the Money Laundering Regulations only. That is anti-money-laundering supervision, not FCA authorisation, and the FCA does not supervise the firm's conduct.
Is my money safe with Independent Growth Finance?
Money you hand to Independent Growth Finance is not protected by the FSCS. Money-laundering registration carries no compensation scheme, and the Financial Ombudsman Service may not be able to consider a complaint about unregulated business.
Is Independent Growth Finance a scam or clone?
Independent Growth Finance is genuinely on the FCA's money-laundering register, so it is not an outright fake, but registration is not authorisation, and scammers impersonate registered firms too. Verify contact details against the register before sending money.
What is Independent Growth Finance's Firm Reference Number (FRN)?
Independent Growth Finance's FRN is 775198. You can verify it on the FCA register.