Skipton Business Finance Limited

Reference number: 476791

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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
  • SBF
  • Yorkshire Factors

Company details

From the company's Companies House record.

Company number
04171724
Company status
Active
Company type
Private limited company
Incorporated
2 March 2001 (25 years old)
Registered office
Matches the FCA register address ✓
Nature of business
  • Factoring (SIC 64992)
  • Financial intermediation not elsewhere classified (SIC 64999)

Current directors and secretaries

Name Role Born Appointed
Gregory Mark Bell Director Jul 1969 11 Jul 2001
Graham Bowie Director Jan 1979 1 Jan 2021
Stephen Joseph O'Regan Director Apr 1970 1 Oct 2022
Catherine Ellen Lewis Director Sep 1964 1 Jan 2026
David Roy Travis Secretary Not published 24 Apr 2023

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 Skipton Business Finance Limited FCA authorised?
Skipton Business Finance Limited (FRN 476791) 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 Skipton Business Finance?
Money you hand to Skipton Business 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 Skipton Business Finance a scam or clone?
Skipton Business 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 Skipton Business Finance's Firm Reference Number (FRN)?
Skipton Business Finance's FRN is 476791. You can verify it on the FCA register.