UPWARD FINANCE LIMITED

Reference number: 821471

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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

FLUX FUNDING LIMITED Reference number: 806333 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.
  • UPWARD FINANCE LIMITED (FRN 821471) is an AR of FLUX FUNDING LIMITED (FRN 806333). When you use UPWARD FINANCE's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from UPWARD FINANCE, 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.

Also trades as 5 other names
  • cuj.com
  • CUJ Loans
  • sunny
  • sunny.co.uk
  • Sunny Loans

Company details

From the company's Companies House record.

Company number
11365247
Company status
Active
Company type
Private limited company
Incorporated
16 May 2018 (8 years old)
Registered office
7 Bell Yard, London, WC2A 2JR, England
Nature of business
  • Financial management (SIC 70221)

Current directors and secretaries

Name Role Born Appointed
Richard Joseph Waters Director Jan 1981 16 May 2018

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 FLUX FUNDING 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.

Names it no longer trades under

This firm has retired 5 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
  • cash up jar
  • Sunny
  • Sunny Loans
  • Upwards
  • Upwards.co.uk

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Common questions

Frequently asked questions

Is UPWARD FINANCE LIMITED FCA authorised?
UPWARD FINANCE LIMITED (FRN 821471) 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 UPWARD FINANCE?
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. UPWARD FINANCE LIMITED (FRN 821471) is an AR of FLUX FUNDING LIMITED (FRN 806333). When you use UPWARD FINANCE's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from UPWARD FINANCE, 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 UPWARD FINANCE?
Protection works through FLUX FUNDING LIMITED, the principal firm responsible for UPWARD FINANCE's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is UPWARD FINANCE a scam or clone?
UPWARD FINANCE 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 UPWARD FINANCE's Firm Reference Number (FRN)?
UPWARD FINANCE's FRN is 821471. You can verify it on the FCA register.