The information beyond this point is a restricted financial promotion. By law we can only show it to certain categories of investor.
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FCMA Consultancy Ltd, company number 17047272, registered in England and Wales. Registered office: Innovation Centre, Highfield Drive, Churchfields, St Leonards-on-Sea, East Sussex TN38 9UH, United Kingdom. Enquiries: contact@fcmaspv.com.
The investments described on this site can only be promoted to certified high net worth individuals and self-certified sophisticated investors. Because you have indicated that you do not fall into one of those categories, we cannot show you this content.
If you are looking for information about investing, the FCA’s InvestSmart service is a good place to start.
Don’t invest unless you’re prepared to lose all the money you invest. The content of this promotion has not been approved by an authorised person within the meaning of the Financial Services and Markets Act 2000. Reliance on this promotion for the purpose of engaging in any investment activity may expose an individual to a significant risk of losing all of the property or other assets invested. FCMA Consultancy Ltd and FCMA SPV Ltd are not authorised or regulated by the Financial Conduct Authority.
Our engagement model is deliberately structured. Every investor and every corporate client moves through the same four-stage framework — because consistency is the foundation of trust.
From the initial exploratory conversation to ongoing stewardship once capital is deployed, each stage is owned by a senior practitioner and each deliverable is documented. No stage is skipped, regardless of referral source or commercial urgency.
Exploratory conversation, non-binding and confidential. We understand your objectives, liquidity profile and context before discussing any product.
Suitability review and instrument selection. Where appropriate, we prepare a tailored subscription proposal with all commercial terms set out in writing.
Formal onboarding: KYC, source-of-funds, subscription agreement and investor documentation. Capital is received into the SPV under governed controls.
Scheduled reporting, coupon cycles, governance communications and access to a dedicated contact throughout the life of the investment.
These are internal standards — not marketing claims. They are how partners at the firm assess whether we are doing our job, and they inform every client decision.
No commercial conversation proceeds until we have a genuine view that our product is appropriate for the prospective investor. Where it is not, we decline courteously and without prolonged discussion.
What an investor is owed and when is defined by the subscription agreement — not by marketing material, verbal representation, or illustrations. We write agreements in plain language so this is practical.
The advisory practice, the issuing SPV and the trading counterparty are separate legal persons with distinct responsibilities, and none of them is authorised by the FCA in respect of the Notes. This architecture is maintained even when it creates operational friction — because it protects investors.
We apply institutional onboarding standards even to modest subscriptions. The argument for scaling compliance down for small tickets is the argument we explicitly refuse.
Investors receive reporting on a published cadence, not in response to market events. Reactive reporting invites reactive behaviour; scheduled reporting supports long-horizon decision-making.
“Fixed” describes a contractual rate, not an unconditional guarantee. “Target” is not a synonym for “return”. Language is the first line of investor protection, and we hold ourselves to it.
Every engagement is handled in confidence. Client information, subscription volumes, and any commercial terms are treated as strictly confidential by default — governed by internal protocols and, where appropriate, by written NDAs executed at the outset of the engagement.
We do not publish client names, case studies or testimonials. Our preference is for referrals within a defined trust network, supported by the demonstrable governance framework described here.
A client who has asked for discretion should not have to ask twice.FCMA Operating Standard
Short answers, including the ones that are not flattering.
It means the coupon payable under the subscription agreement is a pre-agreed contractual rate applied to the subscribed capital over the agreed term — not a market-linked variable and not a forecast. It is also not a guarantee. “Fixed” describes what FCMA SPV Ltd has promised to pay, not what an investor is certain to receive. It is an unsecured promise from a single unregulated company, with no security, no third-party guarantee and no compensation scheme behind it.
No. The return is contractual, not guaranteed, and an investor should be prepared to lose all of the money invested. Capital placed into the SPV is subject to counterparty, market, liquidity and operational risks set out in the offering documentation. The Notes are unregulated: they are not covered by the Financial Services Compensation Scheme and there is no access to the Financial Ombudsman Service. Read the subscription agreement in full and take independent advice before committing capital.
Only certified high net worth individuals (art. 48 of the Financial Promotion Order 2005) and self-certified sophisticated investors (art. 50A), together with the limited further categories the Order permits. A valid signed statement is required before this promotion can be communicated, and it lapses after twelve months. It is a criminal offence to knowingly or recklessly make a false or misleading statement of that kind. Where an applicant does not qualify we must decline, and we do.
Terms vary by engagement and are set out in each investor’s subscription documentation. We are happy to discuss typical structures during an introductory conversation, without any obligation to proceed.
It is not protected, and it is important to be plain about that. Capital is held within FCMA SPV Ltd, a dedicated Special Purpose Vehicle with its own governance, which gives legal separation from the trading counterparty and a defined investor rights framework. That is a governance feature, not a protection: it does not secure an investor’s money against the SPV’s own failure, there is no statutory client-money protection, no FSCS cover and no Financial Ombudsman Service. If FCMA SPV Ltd cannot pay, an investor can lose everything. The full risk profile is set out in the offering documentation.
All enquiries are handled in confidence. Consultations are offered only to certified high net worth and self-certified sophisticated investors and are subject to onboarding checks. FCMA does not give regulated investment advice.