FCA Licence Application Support at a Sensible Fixed Price
Looking to apply for FCA authorisation as a motor dealer?
Need the permissions required to introduce customers to finance providers and offer vehicle finance legally?
Want professional support without paying the £1,500 to £3,000 fees commonly charged by many compliance firms?
At 009 Compliance Ltd, our fixed fee for a standard motor dealer FCA authorisation application is £1,000 plus the FCA application fee payable directly to the Financial Conduct Authority.
Our aim is simple: to provide a professional, well-organised FCA application service at a sensible fixed price.
- No call centres.
- No ticketing systems.
- No unnecessary jargon.
Just practical support from people who understand both FCA regulation and the motor trade.
FCA Authorisation Package
Fixed Fee £1,000 Plus FCA Application Fee
- FCA application support from start to finish
- Bespoke Regulatory Business Plan
- Bespoke Compliance Monitoring Programme
- Bespoke Compliance Procedures Manual
- Bespoke Vulnerable Customer Policy
- Bespoke Complaints Procedure
- Bespoke Customer Journey Document
- Bespoke Initial Disclosure Document
- Bespoke Regulatory Status Disclosure
- Bespoke Financial Crime Procedures
- Bespoke Suitability and Fair Treatment Policy
- Bespoke Organisational Structure Chart
- FCA interview preparation
- Support responding to FCA information requests
- Ongoing support throughout the application process
In most cases, we can begin work on your documentation shortly after receiving the information required from you. FCA application fees are payable separately and directly to the FCA.
There are no hidden consultancy fees or surprise charges.
We Do the Heavy Lifting
Most applicants have never applied for FCA authorisation before.
They are often unsure what permissions they need, what documents are required or what information the FCA expects to see. That is completely normal.
Our role is to guide you through the process, gather the information we need from you and prepare the supporting documentation required for the application.
Following a discussion about your business, objectives and how you intend to operate, we prepare the Regulatory Business Plan and supporting compliance documentation required for the application.
You focus on running your business. We help organise the application.
Why Choose 009 Compliance Ltd?
Many firms charge between £1,500 and £3,000 for FCA authorisation support. Our fixed fee is £1,000 plus the FCA application fee.
We provide:
- Fixed-fee pricing
- Fast turnaround times
- Bespoke documentation
- Direct access to experienced professionals
- FCA interview preparation
- Full support throughout the application process
- Practical, plain-English guidance
Most importantly, we understand the motor trade: dealerships, finance introductions, customer journeys, lender relationships, vehicle finance, credit broking, Limited Permission FCA Authorisation and how FCA requirements fit into day-to-day business operations.
Built on Real Motor Trade Experience
Many FCA consultants understand regulation.
We understand regulation and the motor trade.
We have worked within vehicle finance and dealership environments ourselves and understand how dealerships actually operate.
- Vehicle finance
- Credit broking
- Finance introductions
- Customer journeys
- Lender relationships
- Commission disclosure
- Consumer credit regulation
- Limited Permission FCA Authorisation
- Motor dealer operations
- FCA reporting requirements
This practical experience allows us to prepare applications that reflect how dealerships genuinely operate rather than relying on generic compliance theory.
What Is FCA Authorisation?
If your dealership introduces customers to lenders, brokers or finance providers in connection with the purchase of a vehicle, FCA authorisation will often be required.
People search for this in many different ways:
- FCA licence
- FCA approval
- Consumer credit licence
- Credit broking licence
- Motor dealer finance licence
- Vehicle finance licence
- FCA finance licence
- FCA authorisation
Although many people still refer to FCA authorisation as a consumer credit licence or FCA licence, the FCA now uses the terms authorisation and permissions.
For motor dealers, this typically involves obtaining credit broking permission to introduce customers to finance providers.
FCA Authorisation for Motor Dealers
Most FCA authorised motor dealers require permissions because they introduce customers to finance providers offering products such as:
- Hire Purchase (HP)
- Personal Contract Purchase (PCP)
- Conditional Sale
- Lease Purchase
The FCA expects firms to demonstrate that they understand their regulatory responsibilities and have appropriate procedures, controls and documentation in place.
- Customer journeys
- Complaints handling
- Vulnerable customer procedures
- Financial crime controls
- Compliance monitoring
- Regulatory status disclosure
- Financial promotions
- Commission disclosure
Limited Permission FCA Authorisation
Many dealerships apply for Limited Permission FCA Authorisation. Limited Permission firms are generally businesses where consumer credit activity is secondary to the firm's main business activity.
This often applies to vehicle dealerships where the primary activity is vehicle sales and finance introductions are offered alongside the purchase process.
Although the permissions are described as limited, the FCA still expects firms to demonstrate appropriate controls, customer protections and compliance arrangements.
What Does the FCA Look At?
The FCA authorisation process involves considerably more than simply completing an online application form.
The regulator may review:
- Business plans
- Company structure
- Directors and shareholders
- Controllers
- Customer journeys
- Compliance arrangements
- Complaints procedures
- Vulnerable customer policies
- Financial crime controls
- Financial promotions
- Website content
- Regulatory disclosures
Preparing comprehensive documentation from the outset can help reduce delays and unnecessary follow-up questions.
FCA Connect Application Support
Applications are submitted through the FCA Connect system. Many applicants underestimate the amount of information required during the process.
We help organise and prepare the information required for submission, helping make the process smoother and more manageable.
FCA Interview Preparation
Some applicants worry about speaking to the FCA. In reality, the FCA is generally seeking to understand how the business operates and whether the applicant understands its regulatory responsibilities.
We help clients prepare by discussing common areas of focus, reviewing documentation and ensuring they understand the information submitted as part of the application.
The aim is not to provide scripted answers. The aim is to help applicants understand their business, their application and their regulatory responsibilities.
Why FCA Applications Get Delayed
Many FCA applications are delayed because information is incomplete, inconsistent or poorly organised.
Common causes of delay include:
- Weak business plans
- Missing information
- Poorly explained business models
- Incomplete customer journeys
- Missing compliance procedures
- Inadequate vulnerable customer arrangements
- Incomplete responses to FCA questions
What Happens After FCA Approval?
Obtaining FCA authorisation is only the beginning. Once authorised, firms often have ongoing responsibilities including:
- CCR009 reporting
- CCR007 reporting
- Consumer Duty awareness
- Website compliance reviews
- Complaints monitoring
- Vulnerable customer procedures
- FCA reporting obligations
- Regulatory disclosures
Many of our clients continue to work with us after authorisation so compliance remains organised throughout the year.
Frequently Asked Questions
How much does FCA authorisation cost?
Our fixed fee is £1,000 plus the FCA application fee payable directly to the FCA.
Do I need a business plan?
Yes. The FCA expects firms to explain how the business operates, how customers are treated and how regulatory responsibilities will be managed. We prepare the business plan following a discussion about your business and objectives.
Do you provide the compliance documents?
Yes. Our service includes a comprehensive package of bespoke documentation commonly required for a motor dealer FCA application.
How long does FCA authorisation take?
Timescales vary depending on the application and FCA workload. The FCA controls the approval process and timescales cannot be guaranteed.
Do you guarantee FCA approval?
No. Only the FCA can decide whether authorisation will be granted.
What permissions do motor dealers normally apply for?
Many motor dealers apply for permissions relating to credit broking and associated consumer credit activities. The precise permissions required depend on the activities carried on by the business.
Why Pay More?
Many motor dealers simply want a professional FCA application completed properly without paying thousands of pounds in consultancy fees.
Our fixed-fee FCA authorisation service provides the documentation, support and guidance required to submit a professional application at a price designed specifically for independent motor dealers.
Fixed Fee £1,000 Plus FCA Application Fee.
No hidden extras. No unnecessary complexity.
FCA authorisation guides for motor dealers
These guides answer common questions before a dealer starts an FCA application or checks whether credit broking permission is needed.
Speak to 009 Compliance Ltd
Apply for FCA authorisation with practical fixed-fee support
If you are looking for FCA authorisation, an FCA licence, a consumer credit licence, a credit broking licence or help applying for FCA approval as a motor dealer, we would be happy to help.
For £1,000 plus the FCA application fee, we will help organise the application, prepare the documentation and guide you through the process from start to finish.
Important Note
009 Compliance Ltd provides clerical, administrative and compliance support services.
Responsibility for the accuracy of information supplied, business operations, regulatory decisions and compliance with FCA requirements remains with the applicant firm.
We do not provide legal advice and do not guarantee FCA approval, authorisation or application timescales. All authorisation decisions remain solely with the Financial Conduct Authority.
