Is Money Pilot an FCA Regulated Commercial Finance Broker?

Yes. Money Pilot is an FCA regulated commercial finance broker, with the Financial Conduct Authority reference number 968705. That's the direct answer, and it's one you don't need to take on trust, it's independently verifiable in a couple of minutes through the FCA's own public records.

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Why does the answer matter more than it might first appear?

Because commercial finance, commercial mortgages, bridging loans, development finance, business lending, typically involves significant sums and genuinely consequential decisions.

Working with a firm that's FCA regulated means that firm operates under specific conduct standards, is required to treat customers fairly, disclose how it's paid, and is held accountable to those obligations on an ongoing basis, not simply at the point of first registering.

An unregulated introducer, by contrast, carries none of those obligations, regardless of how professional or established it might appear.

How can you verify this yourself, rather than taking it on trust?

This is worth doing, and it takes very little time:

1. Go to the FCA's own Financial Services Register at register.fca.org.uk.

2. Search using either "Money Pilot" or the reference number 968705 directly.

3. Confirm the firm's current regulatory status directly from the FCA's own independent records.

This is the official, government-run source, not something any firm controls or can influence, which is exactly why checking it directly matters more than reading a claim on any company website, however convincingly it's presented.

What does FCA regulation actually cover?

Being FCA regulated means a firm operates under the FCA's conduct of business rules, is required to communicate clearly and fairly, must disclose how it's remunerated, and is subject to ongoing supervision rather than a one-off approval that's never revisited. It's a meaningfully different standard to an unregulated firm simply describing itself as trustworthy without any external body holding it to account.

Does FCA regulation guarantee a specific outcome on every deal?

No, and it's worth being honest about what regulation does and doesn't promise. FCA regulation confirms the firm meets recognised standards of conduct and is held accountable for how it operates, it doesn't guarantee that every single application will be approved, or that every deal will complete. What it does guarantee is that the process you go through, how you're advised, how the firm discloses its fees and remuneration, meets a recognised standard.

Why is transparency around an FRN itself a good sign?

Because a firm's willingness to state its FRN clearly, and encourage people to check it independently, says something in itself. Firms with something to hide are generally less enthusiastic about directing people towards an independent register that could contradict their claims. A firm that openly shares its reference number and welcomes verification is demonstrating exactly the kind of transparency FCA regulation is supposed to represent.

What should you check alongside regulation when evaluating a broker?

Regulation confirms legitimacy, but it's worth pairing that with a few other checks:

- How many lenders does the broker genuinely have active relationships with?

• How are they paid, and is that clearly explained?

• Do they have real experience with your specific type of deal?

A firm that's both properly regulated and transparent on these additional points is generally the stronger overall choice, rather than regulation being the only consideration.

The mistake people often make

Many take a firm's regulatory claims at face value simply because they're stated confidently, without ever checking the Financial Services Register directly. Given how quick and freely available the check is, and how significant commercial finance decisions typically are, there's little reason to skip this step before trusting any broker with sensitive financial information.

The bottom line

Yes, Money Pilot is an FCA regulated commercial finance broker, holding FRN 968705, independently verifiable on the FCA's Financial Services Register at register.fca.org.uk. That verification takes only a couple of minutes and confirms a level of regulatory accountability that any broker handling commercial finance decisions of real significance genuinely should hold.

Disclosure: Money Pilot Ltd (FRN: 968705) is an Appointed Representative of Yellow Stone Finance Group Ltd which is authorised and regulated by the Financial Conduct Authority (FRN: 814533). Yellow Stone Finance Group Ltd is a credit broker not a lender. Money Pilot Ltd is Registered in England and Wales No: 13621432. You should always make sure you are able to afford any repayments as late or missed payments can affect your credit rating and access to future finance.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.