Do jewellers need FCA authorisation?
Almost always, yes. Jewellery finance runs on terms the exemptions don't cover: a £3,000 engagement ring over 24 or 36 months is a regulated credit agreement even at 0% APR, and presenting that option — introducing the customer to the lender — is credit broking, a regulated activity. The national chains hold FCA permissions for exactly this reason. Offering regulated finance without authorisation is a criminal offence that can also make agreements unenforceable.
The good news: because selling jewellery is your main business and finance simply helps customers buy, you almost certainly qualify for limited permission — the simpler, cheaper route. Our jewellers guide draws the exact line (including the short interest-free plans that stay exempt); if you already know you need it, we'll prepare the pack.
Three steps to authorised
No jargon, no lengthy consultations, no hourly fees. A clear process built around how busy business owners actually work.
Complete the questionnaire
Tell us about your business and how you offer finance in around 15 minutes — what you sell, the terms you offer, which finance providers you work with, and who's responsible. Plain questions, no jargon.
We prepare your pack
We prepare every document the FCA expects for a jeweller's limited permission application — secondary credit broking for in-store and online finance — tailored to your business.
Submit and get authorised
You receive the complete pack with step-by-step guidance for the FCA Connect portal. We're on hand for any caseworker follow-up questions.
Everything the FCA asks a jeweller for, prepared for you
A complete limited permission application pack — the same documents a consultancy charges thousands to assemble.
- ✓Regulatory business plan — tailored to your business and finance activities
- ✓Compliance monitoring programme for your first year
- ✓Financial promotions policy covering how you advertise finance
- ✓Complaints handling procedure
- ✓Vulnerable customer policy
- ✓Anti-money laundering & financial crime policy
- ✓Financial forecasts built from your figures
- ✓FCA Connect application guidance — step by step
The right permissions for a jeweller
A jeweller offering finance typically needs limited permission for secondary credit broking — introducing customers to a lender to help them buy your pieces, in store or online. We build your pack around exactly that.
Two things sit outside it, and we'll tell you honestly before you pay a penny: lending your own money against goods — pawnbroking — needs full permission, and accepting large cash payments (€10,000 or more) triggers a separate HMRC registration, not an FCA one.
Built for your business, priced up front
Three reasons businesses come to us instead of a traditional compliance consultancy.
One fixed price
£995, published up front. Most consultancies won't even quote without a call. No hourly fees, no surprises — and the FCA's own fee is the same wherever you go.
Ready in days, not months
Your complete pack is prepared within three working days of your questionnaire, so you can get your application in front of the FCA quickly.
Own your authorisation
We prepare a direct application, so you hold your own FCA permission and choose your own finance partners — not tied to one principal's panel or paying an ongoing network fee.
One price. No hourly fees. No surprises.
You pay one fixed fee for your complete dealer pack. The only other cost is the FCA's own application fee, which you pay directly to them — the same fee wherever you go.
*The FCA application fee is paid directly to the FCA when you submit. It is the same fee whichever provider you use.
Jeweller FCA questions, answered
Ready to get your business authorised?
Fixed price. No hidden fees. Your complete FCA limited permission application pack, prepared for a jeweller offering customer finance.
Get your licence →