For eligible secondary credit brokers
Limited-permission credit-broking authorisation
A defined project to establish the right permission, prepare the application and support responses to FCA questions within the agreed scope.
Fixed MEMA project fee £6,850 · no monthly retainer · no VAT currently charged
The authorisation route
- 01
Confirm the route
Business model and permission
- 02
Build the evidence
Plan, controls and forecasts
- 03
Submit to the FCA
Application and supporting pack
- 04
Respond and embed
Queries and operational readiness
MEMA prepares and supports your application. The FCA determines the outcome.
First, the regulatory route
Limited permission is not a label to choose from a menu.
The FCA expects the permission to match the actual business and finance arrangement. We test these points before recommending an application.
Your main business
Your principal activity is selling goods or supplying services, not introducing customers to credit.
The finance link
The introduction helps customers pay for your own goods or services, or another qualifying secondary-broking arrangement.
Where you sell
You are not a domestic-premises supplier selling the goods or services in customers' homes.
Other permissions
We check existing authorisations and any additional activities before calling the route limited permission.
See the FCA's credit-broker guidance and secondary-broker criteria.
What the project covers
- A documented permission and application route review
- Regulatory business plan and proportionate supporting evidence
- Application preparation and submission support
- Progress updates and an action record
- Review and coordination of FCA information requests within the agreed scope
What needs separate agreement
- The FCA application fee and any other regulator charges
- Specialist legal opinions or tax advice
- Full-permission or additional regulated activities outside the agreed scope
- Ongoing compliance services after the application project
The FCA controls its assessment and decision timetable. MEMA cannot guarantee authorisation or a decision date.
Not sure whether any permission is needed? Start with the free self-check, or commission a written regulatory perimeter review.
Guided start
Know what happens before you pay.
1 of 4
Your situation
Project plan
Portal access
Review & pay
Tell us what you do
These answers guide the service route. They are not a regulatory conclusion.