United Kapital Limited

Reference number: 975046

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Introducer appointed representative

This firm can only introduce you to its principal, and cannot give financial advice, recommend products, or arrange deals alone.

Responsible principal firm

Swoop Finance Limited Reference number: 936513 Authorised View firm →
What does this mean?
  • An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own.
  • United Kapital Limited (FRN 975046) introduces customers to Swoop Finance Limited (FRN 936513). Any regulated advice or arranging is done by the principal, not United Kapital.
  • Example: if United Kapital refers you to a financial adviser, the advice should come from the principal firm, not from United Kapital itself.
  • 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.

Also trades as
  • Capify

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 Swoop Finance Limited, 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 United Kapital Limited FCA authorised?
United Kapital Limited (FRN 975046) is not directly authorised. It is an appointed representative acting under the responsibility of a directly authorised principal firm.
What does introducer appointed representative mean for United Kapital?
An introducer appointed representative can only pass your details to its principal firm. It cannot recommend products, give financial advice, or arrange deals on its own. United Kapital Limited (FRN 975046) introduces customers to Swoop Finance Limited (FRN 936513). Any regulated advice or arranging is done by the principal, not United Kapital. Example: if United Kapital refers you to a financial adviser, the advice should come from the principal firm, not from United Kapital itself. 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 United Kapital?
Protection works through Swoop Finance Limited, the principal firm responsible for United Kapital's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is United Kapital a scam or clone?
United Kapital 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 United Kapital's Firm Reference Number (FRN)?
United Kapital's FRN is 975046. You can verify it on the FCA register.