FCA authorisation for motorcycle dealers, done for you.

If you offer your customers finance, you need FCA authorisation. We prepare your complete limited permission application pack — built for a motorcycle dealer — ready to submit in three working days.

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Our fee
£995

Fixed, and no VAT to add. The fee does not change with the complexity of your application. Refundable in full until the completed pack is delivered.

FCA application fee£560*
*Payable by all applicants. Set by the FCA, not by us. We pay it on your behalf as your agent and pass it on at cost — itemised on your invoice, never marked up.
✓Limited permission specialists
✓Ready in 3 working days
✓One fixed price — £995
✓We file it with the FCA
The short answer

Do motorcycle dealers need FCA authorisation?

Yes. If you arrange finance for customers, or simply introduce them to a lender, you're carrying out credit broking — a regulated activity — even though the finance house does the actual lending. It's been required since 2014, and offering finance without authorisation is a criminal offence that can also make your agreements unenforceable.

The good news: because selling machines is your main business and finance is secondary, you almost certainly qualify for limited permission — the simpler, cheaper route, rather than full permission. We explain the detail in our guide to FCA authorisation for motorcycle dealers. If you already know you need it, we'll prepare the pack.

How it works

Three steps to authorised

No jargon, no lengthy consultations, no hourly fees. A clear process built around how busy dealers actually work.

①
STEP ONE

Complete the questionnaire

Tell us about your dealership in around 15 minutes — what you sell, how you introduce finance, who's responsible. Plain questions, no compliance jargon.

②
STEP TWO

We prepare your pack

We prepare every document the FCA expects for a motor dealer's limited permission application — secondary credit broking and debt adjusting for part-exchanges — tailored to your business.

③
STEP THREE

We file it and handle the FCA

We submit your application through the FCA’s Connect portal and deal with the caseworker’s questions until your decision. You just review and sign the declarations.

What's included

Everything the FCA asks a motorcycle dealer 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 dealership 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 motorcycle dealer

A motor dealer typically needs limited permission for secondary credit broking, plus debt adjusting limited to settling vehicle finance on part-exchanges. We build your pack around exactly that.

If your activities mean you need full permission, we'll tell you honestly before you pay a penny.

Why dealers choose us

Built for motorcycle dealers, priced up front

Three reasons motor dealers come to us instead of a traditional compliance consultancy.

£

One fixed price

£995, published up front — just £495 to start, fully refundable before delivery. Most consultancies won't publish a price at all. 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 deposit, so your application gets 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 lenders — not tied to one principal's panel or paying an ongoing network fee.

Simple, fixed pricing

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 £560 application fee — which we collect with your final payment and pay to the FCA on your behalf, so there's nothing extra to arrange.

✓Around two-thirds the cost of a typical compliance consultancy
Car Dealer Licence Pack
£995our fee
▤Our document pack£995
▥FCA application fee*£560
Total to get authorised£1,555
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*The FCA application fee is collected with your final payment and paid to the FCA on your firm's behalf when we submit — itemised on your invoice. It is the same fee whichever provider you use.

Common questions

Motorcycle dealer FCA questions, answered

Yes. Introducing customers to a lender is "credit broking," which is a regulated activity in its own right — you don't have to lend your own money to need authorisation. Only strictly cash sales, with no finance discussed, arranged or referred, fall outside the rules.
For most dealers, yes. Because selling vehicles is your main business and finance is secondary, the FCA treats you as a "supplier" who can apply for limited permission. You'd only need full permission if finance became a main activity in its own right, or you lent your own money so customers repaid you directly.
It's a valid, lighter-touch route — but you operate under a principal's permissions, are usually tied to their lender panel, and typically pay an ongoing fee. Direct limited permission gives you your own authorisation and freedom to choose lenders. Many dealers start as an AR and move to direct authorisation as they grow. We explain the trade-offs in our motorcycle dealer guide.
We prepare your document pack within three working days of receiving your deposit. After we file it, six months is the FCA's statutory limit for deciding a complete application, though limited permission applications are often decided more quickly.
No — and we're upfront about that. Our £995 fee covers your complete document pack. The FCA charges its own separate application fee (currently around £560 for limited permission credit broking), which we collect with your final payment and pay to the FCA on your behalf at submission. That fee is the same wherever you go.
No one can honestly guarantee FCA approval — the decision rests entirely with the FCA. What we can do is give you a complete, accurate and well-evidenced application that reflects what the FCA expects to see, which gives your application the strongest possible chance.

Does the lower ticket price change anything?

Not for the rules — broking is broking whether the machine is £1,200 or £12,000. It does change the maths on whether authorisation is worth it. The FCA’s ongoing cost is roughly £1,170 a year once authorised, so it is worth working out your expected commission before you commit. Tell us your volumes and we will do that sum with you before you pay anything.

We take machines in part-exchange with finance outstanding. Does that matter?

Yes, and it is easy to miss. Settling an existing agreement on a trade-in can amount to debt adjusting and debt counselling. Both sit comfortably within limited permission, but they have to be applied for — adding them later means varying your permission, which is slower and more expensive than scoping them in at the start.

Ready to get your dealership authorised?

Fixed price. No hidden fees. Your complete FCA limited permission application pack, prepared for a motor dealer.

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