FCA Authorisation.
Helping firms secure FCA authorisation through expert guidance, regulatory expertise, and end-to-end application support.
We don’t just compile documents – we anticipate regulatory concerns, align your governance, systems, and controls with the FCA’s requirements, and stress-test your application before it’s submitted. This means potential red flags are uncovered and addressed early, leading to a stronger, more efficient path to authorisation, with fewer delays and a greater likelihood of first-time approval.
Our approach to authorisations is proactive, risk-aware, and shaped by real-world insight into how the FCA determines applications.
CREDIBLE, REGULATOR-READY SUBMISSIONS.
Whether launching a new hedge fund, fintech product, expanding into consumer credit, or formalising your investment services, Cosegic experts guide you through the entire authorisation process. But not just as administrators.
With direct experience of managing more than 1,500 successful FCA applications, we understand how the FCA interprets risk, governance, and credibility. We apply this knowledge to configure your application to reflect the nuances of your business model, anticipating supervisory concerns based on how similar applications have been assessed and supporting you through every interaction with the FCA
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Readiness
Effective planning is the foundation of a smooth authorisation. In the pre-application phase, we identify your regulated activities, determine the right permissions, and ensure your model, financials, and controls align with FCA requirements.
Refinement
We take the lead in drafting and refining your application with your collaboration – including the regulatory business plan, financial forecasts, and compliance documentation. This ensures every element is tailored to your business model and aligned with the FCA’s threshold conditions.
Response
As your application progresses, we manage follow-up queries, clarify concerns, and skilfully steer your application through to approval by ensuring responses are prompt, strategic, and regulator-ready.
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SIX WEEKS. ONE AUTHORISATION. ONE FUND READY TO LAUNCH.
FREQUENTLY ASKED QUESTIONS
Find answers to the questions we’re asked most often, from our compliance and training services to how we can support your business.
What is FCA authorisation and why do I need it?
FCA authorisation is the regulatory approval required to carry out regulated financial activities in the UK. Without it, firms cannot legally operate in the UK financial services market. Whether you are launching a fintech, hedge fund, or investment management firm, FCA authorisation is the essential first step to building a credible, compliant business.
How long does the FCA authorisation process take?
The FCA has a statutory period of six months to assess a complete application, or twelve months for an incomplete one. In practice, the timeline depends on the complexity of your business model and the quality of your submission. A well-prepared, regulator-ready application significantly reduces the risk of delays and increases the likelihood of first-time approval.
What are the most common reasons FCA applications are delayed or rejected?
The most common reasons include weak governance frameworks, inadequate systems and controls, poorly evidenced business models, and failure to anticipate the FCA's supervisory concerns. Addressing these issues before submission is critical to a successful outcome.
What does the FCA look for when assessing an authorisation application?
The FCA assesses whether a firm has adequate capital, robust governance, fit and proper senior managers, appropriate systems and controls, and a credible business model. Understanding how the FCA interprets risk and credibility is key to configuring a strong application.
How can Cosegic help with my FCA authorisation application?
With over 1,500 successful FCA applications, Cosegic provides end-to-end authorisation support — from aligning your governance and systems to stress-testing your application before submission. Our deep regulatory expertise ensures your application is regulator-ready, commercially grounded, and positioned for first-time approval.