Product Partnerships

What Product Partnerships does

Product Partnerships Limited (PPL) is a Leeds-based FCA-authorised compliance consultancy and Principal firm that delivers outsourced compliance services to UK businesses engaged in consumer credit activity. Founded in 2014 in Shipley, West Yorkshire, and now headquartered at Atlas House in Leeds, the firm serves a diverse regulated client base spanning motor finance and dealerships, retail (furniture, technology, online), green energy, leisure and fitness, football clubs, and consumer credit and claims management firms, including enterprise customers such as Aston Martin, Hyundai, JD Sports, Peloton, Xiaomi, Scottish Power, and National Grid. PPL is also the BVRLA's national inspector, providing inspection services to over 1,000 motor finance brokers and dealerships.

PPL's core offering is the Artemis platform, a proprietary compliance management system that combines the Appointed Representative Principal firm model with five integrated modules: E-Learning (FCA-aligned staff training), Motor System (audit-ready vehicle sale recordkeeping), Complaints Management (FCA-compliant complaints process with templates and audit trail), Financial Promotions (Section 21 approval), and RegData (end-to-end FCA regulatory reporting, including the new CCR009 return). Beside Artemis, PPL provides directly authorised firm support, FCA application services, Consumer Duty implementation, and Buy Now Pay Later compliance work tied to the FCA's July 2026 BNPL deadline. The November 2025 acquisition of Think Compliance added Regulatory Data Reporting depth and 200+ clients, extending the platform-plus-consultancy proposition.

PPL generates revenue primarily through annual subscriptions for AR oversight and compliance services, supplemented by professional services fees for FCA applications and bespoke consultancy. The firm completed a £10 million Management Buyout in February 2025 backed by Arete Capital, TDC, and Seneca Partners, has since quadrupled its client base, and oversees more than £350 million in credit transactions annually. It employs between 11 and 50 people and has received industry recognition including "Compliance Advisory Firm of the Year UK 2025."

Name

Product Partnerships

Legal name

Product Partnerships Limited

Website

https://productpartnerships.com

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Product Partnerships is a Leeds-based FCA-authorised compliance consultancy and Principal firm that delivers outsourced consumer credit compliance services, Appointed Representative oversight, and the Artemis compliance platform to UK regulated businesses across motor finance, retail, energy, and other sectors.

Ownership category

akta.pro rank

Headquarters

HQ city

Leeds

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Compliance Consultancy Services: Ongoing compliance consultancy, audits, and advisory services for regulated businesses. Includes Consumer Duty implementation, Appointed Representative oversight, financial promotions review, and regulatory change support.
2. Appointed Representative Model: Firms operate under PPL's regulatory permissions with full oversight, compliance monitoring, and regulatory reporting provided. Revenue generated through principal firm arrangement with ARs.
3. RegData and FCA Reporting Services: Managed FCA regulatory reporting service through Artemis platform. Guides clients through submissions, reviews responses, and submits directly to FCA on their behalf.
4. Direct Authorisation Support: FCA application and ongoing compliance support for firms seeking their own authorisation.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels6 records

Core offering

Product Partnerships (PPL) is an FCA-authorised compliance consultancy and Principal firm that delivers outsourced regulatory compliance services to UK businesses in consumer credit markets. Through its proprietary Artemis platform and a team of compliance specialists, PPL provides Appointed Representative oversight, financial promotions approval (including Section 21 sign-off), complaints management, FCA RegData reporting, e-learning, and bespoke consultancy for motor, retail, green energy, leisure, and sports finance sectors.

Product overview

PPL operates a platform-plus-modules architecture anchored by the Artemis compliance platform — its flagship all-in-one compliance companion serving as the Principal AR model for its appointed representative network. Artemis integrates six named modules: E-Learning (staff training with FCA-aligned courses), Motor System (audit-ready vehicle sales recordkeeping), Complaints Management (FCA-compliant complaints process with templates and audit trail), Financial Promotions (Section 21 approval and compliance review), and RegData (end-to-end FCA regulatory reporting, including the new CCR009 return). PPL's services layer sits alongside Artemis, covering Appointed Representative oversight, Directly Authorised firm support, FCA Applications, Consumer Duty implementation, and BNPL compliance. Following its November 2025 acquisition of Think Compliance, PPL added a specialist consultancy brand providing Regulatory Data Reporting and Claims Management expertise alongside the Artemis platform, creating a more comprehensive service for a larger combined client base. All services are delivered by an FCA-authorised Principal firm (reference 626349) holding permissions for Credit Broking, Consumer Hire, and Debt Administration.

Differentiator

Problem solved

Functional benefit

Brands

• Artemis: PPL's flagship compliance platform providing all-in-one compliance management including training, Regulatory Data Reporting, complaints handling, and operational tools for regulated businesses.

Products and services

• Artemis Compliance Platform PPL's flagship compliance companion and principal AR model providing an all-in-one platform for regulatory oversight, training, reporting, and operational tools for FCA-regulated and aspiring-to-be-regulated businesses in consumer credit.
• Appointed Representative Service Principal firm arrangement in which businesses operate under PPL's FCA regulatory permissions (Credit Broking, Consumer Hire, Debt Administration) with full oversight, compliance monitoring, and regulatory reporting provided by PPL.
• Directly Authorised Firms Support Ongoing compliance support for businesses operating under their own FCA permissions, covering governance, oversight, and regulatory reporting requirements.
• FCA Applications Service End-to-end guidance through the FCA authorisation process, from initial scoping and preparation through to submission, supporting both Appointed Representative and Direct Authorisation pathways.
• Consumer Duty Implementation Service Support implementing FCA Consumer Duty-aligned governance frameworks, including board reporting, customer outcome monitoring, and embedding the four Consumer Duty outcomes across client operations.
• Buy Now Pay Later (BNPL) Compliance Service End-to-end regulatory compliance support for firms bringing BNPL (Deferred Payment Credit) products to market in preparation for FCA BNPL regulation, drawing on 15+ years' experience helping firms launch regulated products.
• Think Compliance (Acquired Brand) Specialist compliance consultancy acquired by PPL (majority stake, November 2025), providing relationship-led consultancy, Regulatory Data Reporting support, and Claims Management compliance services to over 200 clients in the UK consumer credit sector.
• BVRLA Inspection Services National inspection services for British Vehicle Rental and Leasing Association (BVRLA) members, including Leasing Broker, Principal AR, and new member inspections, supporting over 1,000 motor finance brokers and dealerships across the UK.

Quantifiable outcome

• Client base quadrupled since MBO in February 2025
• +3 more outcomes

Named customers25 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature7 records

Partnerships

Six partnerships are on record, tiered strategic, core and preferred.

• Mac Tools (Stanley Black & Decker)strategicStrategic or Co-development Partner · 1 January 2026Partnership agreement with Mac Tools, part of Stanley Black & Decker Group, strengthening PPL's presence across trade and franchise networks.
• Think CompliancecoreStrategic or Co-development Partner · 1 November 2025PPL acquired majority stake in Think Compliance in November 2025. Think Compliance adds deep relationship-led consultancy and Regulatory Data Reporting experience, while PPL brings wider authorisation support and platform-enabled oversight. Combined client base exceeds 200 additional clients.
• VOYCpreferredTechnology or Integration · 1 January 2024Partnership with VOYC for call monitoring services. Firms can monitor customer interactions at scale using advanced call analytics to identify conduct risks and ensure sales conversations meet regulatory expectations.
• Vulnerability Registration Service (VRS)preferredTechnology or Integration · 1 January 2024Integration with Vulnerability Registration Service to help firms identify and support vulnerable customers throughout the customer journey.
• KlarnapreferredChannel Partner/ Reseller/ Distributor · 1 January 2024Lender partnership for furniture retail clients. PPL supported Bensons for Beds in introducing Klarna as a new lender for their consumer finance offerings.
• BVRLA (British Vehicle Rental and Leasing Association)coreOthers · 1 January 2019PPL serves as the BVRLA's national inspector, supporting over 1,000 motor finance brokers and dealerships across the UK through Leasing Broker, Principal & Appointed Representative inspection programmes.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• FSCom: UK financial services compliance consultancy offering FCA authorisation, ongoing compliance, financial promotions review and regulatory training. Closely matches PPL's service mix and AR/Principal support offerings.
• Thistle Initiatives: UK FCA compliance consultancy serving consumer credit and regulated firms with authorisation, ongoing compliance and risk support. Directly comparable to PPL in scope, customer base (consumer credit, retail, motor) and Principal/AR-style services.
• RegData (FCA Reporting Specialists): UK specialist FCA regulatory reporting service for consumer credit firms (CCR returns). Overlaps directly with PPL's Artemis RegData module — acquired by the Think Compliance deal — making it a direct competitive reference point for that revenue stream.
• RWA Compliance: UK consumer credit and financial services compliance specialist supporting AR firms, directly authorised firms and lenders with authorisation, ongoing compliance and training. Closely comparable client profile and service set to PPL.
• Compliance Solutions (UK): UK consumer credit compliance consultancy offering Appointed Representative oversight, FCA authorisation support and ongoing compliance services — a near-twin to PPL's core AR Principal business.
• The Consulting Consortium: UK financial services compliance and risk consultancy covering consumer credit, payments and lending. Comparable in regulatory advisory scope and customer segments to PPL.
• TCC Group: UK compliance consultancy with a strong motor finance and consumer credit practice, providing FCA compliance, AML and regulatory hosting. Directly comparable in vertical mix and regulatory services.

Emerging players

• Money Wellness: UK consumer credit and debt advice provider with embedded compliance/regulatory functions. Partial overlap with PPL's claims management and consumer credit compliance work, particularly around vulnerable customers.
• Vulnerable Customer Solutions / ComplianceWise: UK-based specialist consultancies serving FCA-authorised consumer credit firms with similar AR oversight, training and Consumer Duty support. Adjacent but smaller-scale peers to PPL in niche compliance segments.

Broad incumbents

• SimplyBiz (Compliance Services): Larger UK compliance and support services group providing FCA compliance, regulatory hosting and Appointed Representative services to financial services firms. Competes with PPL across consumer credit but operates at broader scale with multiple service lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ppl_compliance
• YouTubeyoutube.com/@productpartnerships
• LinkedInlinkedin.com/company/product-partnerships-ltd
• Instagraminstagram.com/productpartnerships

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds1 record

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Product Partnerships