Company Director, Swift Money Limited
Bolton, Greater Manchester
Mark has worked in UK consumer finance for over 15 years. He founded Swift Money in Bolton in 2011, before the FCA took over regulation of the short-term lending sector in 2015. He has overseen its growth into a service that has helped over one million UK customers access short-term finance.
Mark Scott is Company Director at Swift Money Limited, an FCA-authorised credit broker based in Bolton, Greater Manchester. He founded the business in 2011, four years before the Financial Conduct Authority introduced its landmark price cap and affordability rules for high-cost short-term credit in 2015.
That founding context matters. Having operated through the regulatory transformation of the UK short-term lending market, Mark has a depth of practical experience that spans both the pre-regulation era and the modern, highly compliant landscape that followed. He has seen first-hand how the market changed, why the regulation was necessary, how responsible broking should work in practice.
At Swift Money, Mark oversees the company's mission to make short-term finance accessible, transparent, genuinely useful for the people who need it. The focus is on customers underserved by mainstream lenders. Every major bank in the UK starts its personal loan minimum at £1,000. Swift Money's lending panel starts at £100, filling a structural gap that high-street lending has never addressed.
The Swift Money FCA Register entry confirms the firm's authorisations for credit broking, debt counselling, debt adjusting.
Mark also oversees all content published on swiftmoney.com, including this library of free financial guides. Every guide is written to provide genuine, actionable information to UK consumers, regardless of whether they ever use Swift Money's services. Content is reviewed for FCA compliance and factual accuracy before publication.
The Swift Money guide library covers credit scoring, debt management, financial difficulty, budgeting, consumer rights, specific borrowing scenarios. The aim is simple: become the UK reference for honest, plain-English financial information.
Mark is also the author behind Gemini, Swift Money's sister trading name. You can see his Gemini author profile and the guides published there. The content on both sites is authored by the same person, with each tailored to the specific audience of each brand.
Financial content matters. A wrong number or outdated rule can cost a reader real money. The process below is designed to prevent that.
Every guide is reviewed by the Swift Money Compliance Team against current FCA rules before publication.
Every published guide is reviewed at least every 90 days. Outdated figures or rule changes are caught promptly.
FCA handbook, Government Legislation, ONS data, Bank of England figures. Never secondhand blog summaries.
Our guides are written to help, not sell. We tell readers when a cheaper option exists elsewhere.
If you spot an error or unclear section, tell us. Every report is logged, actioned within 14 days, credited where appropriate.
Swift Money is FCA-authorised under firm reference 738569. Content is overseen by the same compliance framework as the lending service.
Forty-two in-depth guides across six topic hubs. Credit, debt, financial difficulty, better finances, your rights, life events. All free, no sign-up required.
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