Will Your FCA Application Survive Scrutiny?
Stress-test your Regulatory Business Plan before the FCA does. Find out what they'll challenge - and fix it first.
STRESS-TEST ROBUSTNESS SCORE
Significant work needed before submission
Download Our SAMPLE Report HERE
The Numbers Don't Lie
FCA applications fail at alarming rates. The most common reason? Firms aren't "ready, willing and organised."
Common Reasons for Failure
Incomplete Safeguarding
Banking arrangements marked as "TBC" or "in progress"
Unconfirmed Capital
Commitment letters instead of bank statements
Boilerplate Policies
Generic templates not tailored to the business
Unprepared SMF Holders
Can't articulate the regulatory framework
Unrealistic Projections
No documented assumptions or stress testing
Consumer Duty Gaps
No fair value assessment or outcomes testing
Simulate FCA Scrutiny Before Submission
Our specialist powered stress-test analyses your Regulatory Business Plan and tells you exactly what the FCA will challenge - so you can fix it first.
Self-Assessment Workbook
Structured preparation covering Threshold Conditions, business model viability, SMF readiness, and evidence gaps.
Specialist Powered Analysis
Upload your RBP for comprehensive analysis against current FCA priorities and sector-specific requirements.
Robustness Score
Get a score out of 100 with clear interpretation: Robust, Sound, Developing, Weak, or Inadequate.
Weakness Report
RAG-rated findings: Critical (rejection risk), Significant (triggers queries), Moderate, and Minor.
30 Challenge Questions
The exact questions an FCA Case Officer would ask, organised by theme. Use for SMF interview preparation.
Remediation Roadmap
Priority matrix with timeline. Know what to fix, in what order, and by when.
See What You'll Receive
A comprehensive analysis that mirrors what an FCA Case Officer would identify
Sample Findings
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CRITICAL: EUR/USD safeguarding accounts marked as "TBC"
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CRITICAL: Capital funding "in final stages" - need bank statements
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SIGNIFICANT: FX margin of 17.5% requires fair value justification
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SIGNIFICANT: CRO/CISO positions not yet filled
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MODERATE: DPO conflict of interest (CEO serving as DPO)
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MINOR: Consider sensitivity analysis at 50%/75% revenue
Simulated FCA Query Letter
A bespoke query letter written in authentic FCA tone, showing exactly what questions you'd receive based on your RBP.
Priority Matrix
Actions mapped by impact vs effort. Know what to tackle first for maximum improvement.
Implementation Timeline
Week-by-week recommendations for closing gaps before submission.
SMF Interview Prep
30 questions organised by theme to prepare your senior managers for FCA interviews.
Works for All FCA-Regulated Firms
Our stress-test includes firm-type specific challenges and red flags
Payment Services
API / SPI
E-Money
EMI / SEMI
Investment Firms
MiFID / FSMA
Consumer Credit
Lending / Brokering
Mortgage Brokers
Intermediaries
Insurance
Intermediaries
Claims Management
CMC
Crypto / Digital Assets
AML Registration
Take It Further with a Live Challenge Session
- 90-minute facilitated video call
- Real-time SMF interview practice
- Probing questions from regulatory experts
- Session recorded for internal training
- Written action summary within 48 hours
"The questions you struggle with in this session are the questions the FCA will ask. Better to struggle now than later."
Session Agenda
Simple, Transparent Pricing
Choose the package that fits your needs
Full Stress-Test
Complete analysis package
- Self-Assessment Workbook
- Threshold Conditions Checklist
- Evidence Gap Analysis Template
- Robustness Score (0-100)
- Full Weakness Report
- Simulated FCA Query Letter
- 30 Challenge Questions
- Remediation Roadmap
- 90-Minute Live Session
Full Package + Live
Maximum preparation
- Self-Assessment Workbook
- Threshold Conditions Checklist
- Evidence Gap Analysis Template
- Robustness Score (0-100)
- Full Weakness Report
- Simulated FCA Query Letter
- 30 Challenge Questions
- Remediation Roadmap
- 90-Minute Live Challenge Session
Frequently Asked Questions
What documents do I need?
Your draft Regulatory Business Plan (RBP) or ICARA document. Financial projections and organisational charts are helpful but not essential for the initial analysis.
How long does analysis take?
The analysis is completed typically within 3 days once you upload your document. Allow at least 1-2 hours to work through the complete stress-test process including the self-assessment workbook.
What if I find critical issues?
That's the point! Better to find them now than after submission. We provide a remediation roadmap, and you can book additional consultancy support if needed.
Is this suitable for my firm type?
Yes. The stress-test works for all FCA-regulated firms including Payment Services, E-Money, Investment, Consumer Credit, Mortgage, Insurance, and Claims Management.
What's included in the live session?
A 90-minute facilitated challenge session via video call, recorded for internal training, with a written action summary delivered within 48 hours.
Is my data secure?
Yes. Your documents are processed securely and not stored beyond the analysis session. We recommend removing sensitive personal data before upload.
Don't Let Your First Challenge
Come From The Regulator
The FCA expects you to be "ready, willing and organised" from Day 1. Prove it with a stress-test.
