FCA Authorisation Consultants
End-to-end FCA authorisation support to help you get approved with the right permissions.
Ensure compliance with The Compliance Guys
2000+
Successful FCA applications
79.5%
Higher approval rate than the FCA average
750
Ongoing clients
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Expert support for FCA applications
Securing FCA authorisation is a critical step for any business looking to operate within the UK financial services sector. Our FCA authorisation service is designed to simplify the process and position your application as strongly as possible for approval.
We work with you to identify the appropriate permissions, prepare robust documentation, and ensure your business aligns with FCA expectations from the start. Whether you are a start-up seeking initial authorisation or an established firm applying for a variation of permissions, our approach is practical, thorough, and focused on achieving a smooth, efficient approval.
Want to start the process? Contact our team today on 01792 926 040 or email sales@thecomplianceguys.co.uk for more information about our FCA Authorisation service!
What is FCA authorisation?
FCA authorisation is the formal approval a business must obtain from the Financial Conduct Authority in order to legally carry out regulated financial activities in the UK. It applies to firms offering services such as financial advice, credit broking, lending, investment management, or handling client money, and ensures that only businesses meeting strict regulatory standards are allowed to operate in the financial services sector.
To gain authorisation, a firm must demonstrate that it is financially sound, well-managed, and has appropriate systems and controls in place to protect consumers and comply with regulatory requirements. Once authorised, the business is listed on the FCA Register and is subject to ongoing supervision, helping to build trust with customers while ensuring continued compliance with UK financial regulations.
Who needs to be FCA authorised?
Any business or individual carrying out regulated financial activities in the UK must be authorised by the Financial Conduct Authority, unless they are exempt or operating under another authorised firm. This typically includes companies involved in activities such as offering loans or credit, providing financial advice, arranging mortgages, managing investments, or handling client money, as these are all considered regulated under UK financial services law.
In some cases, firms may not need direct authorisation if they operate as an Appointed Representative under an authorised firm, which allows them to carry out certain regulated activities under that firm’s supervision. However, most businesses providing financial services directly to consumers will require FCA authorisation to operate legally and demonstrate that they meet the required standards of compliance, governance, and consumer protection.
What's included?
Tailored Compliance Strategy
Regulatory Business Plan
Financial Forecast Review
SM&CR Compliance
Essential Compliance Policies
Consumer Duty Procedures
Compliance Monitoring Plan
FCA Connect Submission Management
Get your FCA application right first time!
Contact The Compliance Guys today on 01792 926 040 or email sales@thecomplianceguys.co.uk for more information about our FCA Authorisation service!
The authorisation process
1. Information Gathering
We begin by identifying how your business activities are regulated and what permissions you need. This involves a scheduled call to discuss your business model, governance, risk management, compliance framework, and key personnel. We’ll collect all the necessary information to build a tailored information pack, setting the foundation for a smooth application process.
2. Application Creation
Using the insights gathered, we’ll prepare a bespoke application pack. This includes drafting essential documents such as your Regulatory Business Plan, Compliance Monitoring Programme, and relevant policies. The FCA expects your application to accurately reflect your business, we’ll help ensure everything is robust and aligned, addressing any potential issues before submission. Once complete, the pack will be sent to you for final review.
3. Application Submission
We manage the entire submission process via the FCA’s Connect system. After submission, the FCA will acknowledge receipt and assign a Case Officer. Should any queries arise, we’ll support you with clear, professional responses. Your dedicated Consultant will also be available for further clarification or meetings, if required.
4. Approval
Before granting authorisation, the FCA may ask you to meet certain conditions or attend an interview. We’ll guide you through meeting these requirements and help you prepare thoroughly. Once authorised, you’ll need to comply with FCA rules and commitments outlined in your application. We can continue to support you post-authorisation to ensure your ongoing compliance.
We can help you achieve full FCA compliance quickly, thoroughly, and with total peace of mind.
Why choose The Compliance Guys?
Authorisation made simple
FCA authorisation can be complex but it doesn’t have to be confusing. Whether you’re applying for your first licence or managing a change in control, The Compliance Guys guide you through the process with clarity and confidence, minimising delays and helping you achieve a smooth, successful outcome.
Experts across sectors and application types
We work with businesses across sectors, from finance providers to home improvement firms, helping them secure the right FCA permissions with expert, hands-on support.
Our team handles a wide range of applications, including Full and Limited Permissions, Variations of Permissions (VoPs), Change in Control Applications, and New Firm Registrations.
End-to-end support, every step of the way
From document preparation to ongoing communication with the FCA, we’re by your side throughout the entire process. Our team takes care of the details, responds to FCA feedback, and ensures your application is submitted with confidence and care.
Personalised, professional guidance
At The Compliance Guys, we don’t just give you templates and walk away. We collaborate with you to get every detail right, offering input and support as you prepare key documents like your business plan and financial forecast. If the FCA requests further information or invites you to an interview, we’ll help you prepare and support you throughout.
Frequently Asked Questions
How long does FCA authorisation take?
The timeframe for FCA authorisation varies depending on the complexity of your application, the quality of documentation, and how quickly you respond to FCA queries.
What permissions do I need for FCA authorisation?
This depends on your business activities. Permissions can include full or limited permissions, credit broking, debt counselling, or variations of permission.
What documents are required for an FCA authorisation application?
Typical requirements include a regulatory business plan, financial forecasts, compliance policies, and details of key personnel.
Can you help prepare my FCA application documents?
Yes, our service includes drafting and reviewing essential documents such as your business plan, compliance monitoring programme, and internal policies to ensure FCA alignment.
What happens if the FCA asks for more information or an interview?
If the FCA requests further information, you must respond promptly with accurate, well-prepared information. Our professional support can help you prepare responses and ensure consistency across your application.
Do I need full FCA authorisation or can I become an Appointed Representative (AR)?
Some businesses may operate as an Appointed Representative under a principal firm instead of applying for direct authorisation, depending on their model.
Do you provide ongoing support after FCA authorisation?
Yes, we provide ongoing compliance support to help maintain regulatory standards and manage future changes such as variations of permission or change in control applications.
Sectors we work with
Consumer Credit
New to credit or running an established business? Our tailored solutions help you operate with confidence and integrity.
Claims Management
From FCA applications to ongoing oversight, our experts are here when you need them.
Dental & Cosmetic
Stay ahead of regulatory requirements and provide financial options with confidence.
Healthcare
Finance regulations are complex – we make compliance simple while keeping finance accessible for your patients.
Veterinary
Offer finance without the stress. We’ll keep you compliant every step of the way.
Motor Trade
We know how time consuming the FCA authorisation process can be, so find out how we can help your business stay compliant and thrive.
Funeral Plans
FCA regulations are designed to protect customers and enhance industry standards. Find out how we can help you meet the FCA requirements with confidence.
Trade & Home Improvement
New to finance or need compliance help? Our expert support is tailored to your industry.
Retail
Increase sales and improve customer satisfaction by making purchases more accessible.
Get in touch...
Call us for a chat on 01792 926 040, or fill out the form and we will get back to you as soon as possible.
Alternatively, you can use our calendar service to book a consultation and we will call you as requested.
You can also connect with us on LinkedIn.
