Vantage Commercial Lending Ltd

Reference number: 996764

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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

OPTIMUM COMMERCIAL SOLUTIONS LTD Reference number: 808754 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.
  • Vantage Commercial Lending Ltd (FRN 996764) is an AR of OPTIMUM COMMERCIAL SOLUTIONS LTD (FRN 808754). When you use Vantage Commercial Lending's services, the FCA authorisation sits with the principal firm.
  • Example: if you take financial advice from Vantage Commercial Lending, 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.

  • No website on the FCA register

  • Verified phone number

    07791 605123

  • Verified address

    46 South Bar Street, Banbury, OX16 9AB, United Kingdom

Also trades as
  • Vantage Commercial

Company details

From the company's Companies House record.

Company number
07599955
Company status
Active
Company type
Private limited company
Incorporated
11 April 2011 (15 years old)
Registered office
Sugarford House, 46 South Bar Street, Banbury, OX16 9AB, England
Nature of business
  • Real estate agencies (SIC 68310)

Current directors and secretaries

Name Role Born Appointed
Adam Messer Director Apr 1985 15 Jan 2020

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 OPTIMUM COMMERCIAL SOLUTIONS LTD, 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 Vantage Commercial Lending Ltd FCA authorised?
Vantage Commercial Lending Ltd (FRN 996764) 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 Vantage Commercial Lending?
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. Vantage Commercial Lending Ltd (FRN 996764) is an AR of OPTIMUM COMMERCIAL SOLUTIONS LTD (FRN 808754). When you use Vantage Commercial Lending's services, the FCA authorisation sits with the principal firm. Example: if you take financial advice from Vantage Commercial Lending, 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 Vantage Commercial Lending?
Protection works through OPTIMUM COMMERCIAL SOLUTIONS LTD, the principal firm responsible for Vantage Commercial Lending's regulated activity. FSCS cover and the Financial Ombudsman Service apply as they would to the principal.
Is Vantage Commercial Lending a scam or clone?
Vantage Commercial Lending 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 Vantage Commercial Lending's Firm Reference Number (FRN)?
Vantage Commercial Lending's FRN is 996764. You can verify it on the FCA register.