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The whole point of an umbrella is that there's a clear trail showing they've complied with ir35, paying a random Ltd company is no different to paying a freelancer who's working through their own company. They'll have a list of suppliers that they'll work with.
There's plenty of calculators out there to calculate what your rate needs to be to make up for working inside ir35
Gewürzt
But can anyone be an umbrella as far as the end client is concerned? If it's a very specific thing where they will ask to see proof of my employment/contract with the umbrella, then I'll just start googling umbrella companies (unless anyone has any recs). But if they just need it to be a ltd company then could I ask my FiL/his ltd to invoice them and I give him a cut.
Have asked my accountant so will follow their lead.
Seems like I'd lose between 1/4 and 1/3 of gross pay through an umbrella company though which seems a chunk. They've said they'll increase dayrate but by how much I don't yet know.