FCA Applications

Need FCA approval? We’ll guide you through the process.

Whether you’re applying for additional permissions or becoming FCA regulated for the first time, we provide expert support to make the process structured, clear, and less daunting.
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FCA Applications

A Smarter Way to Get Regulated

Getting FCA authorisation can feel overwhelming. Applications are complex, documentation requirements are extensive, and one mistake can cause delays.

That’s where Product Partnerships can help. From strategy to submission, we help you avoid common pitfalls, complete the process faster, and gain approval with confidence.
How We Support

How We Support

  • New FCA Authorisation Applications – Full authorisations for credit broking, consumer hire, debt administration and more.
  • Variation of Permission (VOP) – Add or change permissions with minimal disruption.
  • Full Permissions – Move from limited to full permissions with confidence.
  • AR to Direct Authorisation – Transition from Appointed Representative to Directly Authorised status smoothly.
  • FCA Sandbox Entry – Support for innovative product submissions to the FCA sandbox.

Each application includes:

  • Regulatory Business Plan
  • Risk & Governance Framework
  • Consumer Duty & Vulnerable Customer Strategy
  • Supporting Documentation & Training
  • FCA Communication Management
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Each application includes:

Our 3-Step Approach

Step 1. Discovery & Planning
We start by understanding your business model and permissions requirements. Together we define the right application type — whether that’s limited permissions, full authorisation, a variation of permission, or a full lending application. We’ll map out what’s needed and create a clear plan and timeline.
 
Step 2. Drafting & Documentation
Next, we build your application pack. This includes drafting your regulatory business plan, governance and risk framework, Consumer Duty approach, financial forecasts and any sector-specific requirements (such as credit-risk set-up for lending permissions). We prepare and quality-check everything, ready for submission.
 
Step 3. Submission & FCA Queries
You submit your application directly to the FCA and remain the official point of contact. We support you in the background, drafting responses and providing the evidence you need to address FCA queries until a decision is reached.

 

Sector Expertise & FCA Authorisation

Retail

Planning to offer finance at checkout? We’ll help you secure FCA approval for in-store or online credit, including BNPL.

Explore Retail

Motor Finance

Want to offer vehicle finance while staying compliant? We’ll help you obtain authorisation efficiently.

Explore Motor Finance

Leisure & Fitness

Launching a fan payment or finance plan? We’ll make sure your scheme is FCA-compliant from the outset.
 
Explore Leisure and Fitness

Not ready to book a call just yet?

Download our free FCA Application Checklist — your no-obligation guide to understanding what’s required.
Download FCA Checklist
Not ready to book a call just yet?
Why Choose Product Partnerships

Why Choose Product Partnerships

  • Trusted by over 100 firms of various sizes across the UK
  • Sector expertise across fintech, retail, motor, and leisure
  • Authorisation success across full permissions, VOPs and more
  • Proven frameworks for governance, risk and Consumer Duty
  • We can stay involved post-approval to ensure compliance is maintained
  • Multiple award-winning consultancy, and awarded “Compliance firm of the year 2025”

Ready to Move Forward?

Let’s make your FCA application a success.
Book Your Discovery Call
Ready to Move Forward?