Exactly what your FCA application needs.
Every document required for a limited permission consumer credit application, who prepares it, and the step-by-step route from eligibility check to FCA decision.
The document pack, group by group
Items marked as prepared by us are drafted from scratch and tailored to your business. The rest is information only you can supply, we tell you exactly what format it needs to be in.
Business and company information
- Companies House detailsCompany number, registered address, trading names and any group structure.
- Ownership and controlShareholders holding 10% or more, plus any parent or holding companies.
- Trading history and websiteHow long you have traded, what you sell and where customers find you.
Regulatory business plan
- Regulatory business planYour business model, the credit activities carried on, target customers, volumes and growth assumptions.
- Customer journey documentationStep-by-step description of how a customer is introduced to finance, from first contact to agreement.
- Permission scope rationaleWhy limited permission is the appropriate scope for the activities you carry on.
Policies and procedures
- Consumer Duty considerationsHow good outcomes are delivered and monitored across the customer journey.
- Complaints-handling procedureDISP-aligned process, timescales, records and FOS referral wording.
- Vulnerable customer policyIdentification, support options and staff guidance.
- Financial promotions procedureSign-off, record-keeping and representative example requirements.
- Conflicts of interest and commission disclosureHow commission arrangements are disclosed to customers.
People and governance
- Senior manager and director detailsNames, roles, dates of birth, addresses for the last three years.
- CVs and relevant experienceEmployment history and any regulatory or consumer credit experience.
- Fitness and propriety informationCriminal, financial and regulatory disclosures for each individual.
- Governance and responsibilities mapWho is accountable for compliance, complaints and financial promotions.
Financial information
- Latest accounts or management accountsMost recent filed accounts, or management accounts for newer businesses.
- Financial projectionsTwelve-month forecast of income, costs and expected credit volumes.
- Evidence of adequate resourcesConfirmation you can meet the prudential requirements that apply.
Submission items
- FCA Connect accountRegistered in your firm's name, with the right principal user set up.
- Completed application formsCore details, permissions, individuals and supporting attachments.
- FCA application fee£560: Limited Permission: Category 2, paid directly to the FCA.
The FCA application fee is separate from our professional fee, is paid directly to the FCA and may change. The applicable fee will be confirmed before submission.
From eligibility check to FCA decision
Seven stages, with a clear owner and an indicative timescale for each.
- 1
Check your eligibility
2 minutes, freeAnswer a short set of questions about how finance fits into your business. We confirm whether limited permission is the likely scope before you pay anything.
- No call required
- Immediate indication of the likely permission
- We tell you if limited permission is not the right route
- 2
Buy your application package
Same dayOnce eligibility is confirmed, you purchase the £1,150 + VAT package and receive your document checklist and secure upload link.
- Fixed professional fee, no hourly billing
- FCA fee paid separately, directly to the FCA
- Checklist tailored to your sector
- 3
Send us your information
You set the paceUpload company, people and financial information using the checklist. We come back with specific questions rather than open-ended requests.
- Structured checklist, not a blank form
- One consolidated list of follow-up questions
- We flag gaps early rather than at submission
- 4
We prepare your documentation
5 working daysWe draft the regulatory business plan, customer journey and full policy suite tailored to your business, then send them for your review.
- Tailored to your actual customer journey
- Written to withstand FCA scrutiny
- One round of amendments included
- 5
Pre-submission review
1–2 working daysA final quality check across the application, permissions requested and every attachment, so inconsistencies are resolved before the FCA sees them.
- Permission scope re-checked
- Consistency check across all documents
- Connect walkthrough before you submit
- 6
Submit through FCA Connect
Same dayYou submit from your own Connect account with our step-by-step guidance, and pay the FCA application fee at the point of submission.
- Guided field-by-field
- Attachments uploaded in the right places
- Submission reference recorded
- 7
FCA assessment and questions
Typically 6–12 monthsThe FCA reviews your application and may raise questions. We help you respond to reasonable case-officer queries as part of the package.
- Support with reasonable FCA questions
- Statutory determination period is up to 6 months for a complete application
- You are told what is being asked and why
Choose your package and pay online
Complete the short requirements check, choose your package and pay securely online. Work begins as soon as payment is received.
Not sure which permission you need?
Answer a few short questions about your business, choose your package and we will take it from there.