Mark Scott

Mark Scott is Company Director at Gemini, the trading name of 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, and how responsible broking should work in practice.

At Gemini, Mark oversees the company's mission to make short-term finance accessible, transparent, and genuinely useful for the people who need it, particularly those underserved by mainstream lenders. Every major bank in the UK starts its personal loan minimum at £1,000. Gemini starts at £100, filling a structural gap that high-street lending has never addressed.

Mark also oversees all content published on gemini.co.uk, including the site's library of free financial guides. Every guide is written to provide genuine, actionable information to UK consumers, regardless of whether they ever use Gemini's services. The content is reviewed for FCA compliance and factual accuracy before publication.