A London regulatory consultancy. We prepare and file FCA limited-permission applications, for credit broking and for consumer hire, on behalf of firms that arrange customer finance or lease vehicles. We support authorised firms with the obligations that follow.
Preparing an FCA application is work a firm does once. We do it every week. Each application is a complete package of documents tailor-made for the firm — the regulatory business plan, the financial projections and the full policy suite — filed through our own Connect account, with every question from the case officer answered by us through to the decision.
The fee is fixed and published: £995, with £495 to begin. The FCA's own application fee is separate, collected with the final payment and paid to the FCA as your agent, itemised on your invoice.
Authorisation is the start. Authorised firms owe the FCA two returns a year, an annual attestation and a periodic fee. We prepare and submit the returns through RegData, keep the firm's documents current, and check the FCA's invoice.
Part of the Regetus group
Every application is prepared and filed in-house, by our own authorisations team. Across the Regetus group, our regulatory consultants have advised firms in the UK and the EU since 2016.
Our work is FCA authorisation for firms that arrange customer finance or lease vehicles, and the ongoing compliance that follows it. We set out to make that authorisation genuinely accessible to the smaller businesses that need it — the dealer, the clinic, the retailer offering finance as a sideline — at a fixed fee, without the cost that has long surrounded it.
Featured in Retail Jeweller — industry opinion on the July 2026 BNPL regulations and what they mean for retailers offering finance.
Preparing and filing an application is not a regulated activity, and we do not hold the SMF29 function for any client: that function must be held by a person within your firm. We are not a law firm and nothing we provide is legal advice. Where authorisation is not required, or an appointed-representative arrangement with a lender is more appropriate, we say so in writing.
CreditLicence is a trading name of Regetus Ltd, part of the Regetus group — regulatory consultants whose team has advised firms in the UK and the EU since 2016.
A short form to begin. A member of our team will call the same business day to discuss your firm's activities and the application.
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