Secure your FCA EMI Licence — without the 12-month delay.
Understanding which path is right for your business model is the first question we answer — usually in the first conversation.
We take complete ownership of the authorisation process. You focus on building your business. We handle everything the FCA requires to say yes.
Before any application is prepared, we tell you exactly where you stand and what needs to change. No assumptions. No surprises at submission.
Every policy the FCA expects to see — drafted, reviewed, and aligned to current supervisory standards. The difference between a 3-month decision and a 12-month one.
The governance structures the FCA scrutinises most heavily — built correctly from the outset, not retrofitted under case officer pressure.
A submission the FCA can say yes to. We know what complete looks like — because we've reviewed applications from the other side of the table.
The financial case the FCA needs to see — structured to demonstrate not just solvency, but long-term operational credibility.
Most delays happen after submission, not before. We manage every case officer query and follow-up round so nothing stalls in the review window.
Becoming an FCA-authorised EMI requires serious commitment — of time, resource, and capital. Understanding the full picture before you start is the only way to plan effectively.
Any compliance firm can help you draft policies. Very few have sat inside the FCA reviewing the applications your competitors are submitting — and even fewer have then secured a live EMI licence and run the compliance function of a regulated firm. That's the difference.
Our risk lead spent over ten years inside the FCA's EMI and Payments Licensing division. That perspective doesn't come from reading the guidance notes. It comes from writing the decisions.
We have secured an FCA EMI licence and then ran the legal and compliance function of the regulated entity that followed. We've lived the post-authorisation reality — not just the application process.
FCA · DNB · MFSA · FINMA. Most UK-focused advisers know one regulator. We've navigated four — which means we understand what the FCA is watching internationally as well as domestically.
One team, one engagement, one outcome. We don't hand off to juniors or sub-contract the hard parts. The same people who assess your readiness manage your application through to decision.
The difference between 3 months and 12 months is almost always preparation — not the FCA. We exist to get you to submission with nothing missing.
We tell you exactly where you stand before anything else begins.
Everything the FCA expects to see — built to current supervisory standards.
A submission the FCA can approve. Nothing incomplete. Nothing ambiguous.
Every query handled. Every follow-up managed. We stay until there's a decision.
Complete application with all supporting documentation
FCA confirms receipt, assigns reference number
Dedicated officer allocated within defined period
FCA scrutinises all pillars; follow-up questions issued
Approval, rejection, or further information request
Start the conversation
In 30 minutes, we'll tell you where you stand, what licence you actually need, and what the realistic path to approval looks like for your specific business. No pitch. No obligation. Just a straight answer.
Whether you're at the start of the journey or stuck in the middle of one — we'll tell you exactly where you stand.