Businesses in other financial intermediation arrange, provide or facilitate financial services that do not fall into more specific categories such as banking, insurance or pension funding. Their activities may include lending or arranging finance, providing credit to businesses or individuals, and helping organisations obtain funds from investors. Some specialise in particular forms of finance, such as trade finance, invoice finance, asset finance or structured funding. Customers may also encounter firms involved in financial leasing, factoring, the purchase or management of financial assets, or the administration of investment vehicles. The exact services vary, and some businesses act as intermediaries while others provide finance directly. Whether a particular activity requires authorisation depends on the service offered; certain financial activities are regulated by the Financial Conduct Authority, while others are not.