Who do JPM Capital fund?

JPM Capital endeavours to provide timely and appropriate solutions to all of our clients funding needs.

WHO DO
WE FUND

Business Loans for Solicitors

What type of finance can a solicitor apply for?

We currently provide unsecured loans to businesses in the UK. Unsecured business loans do not require security, which means that business owners do not have to provide assets when applying for a loan.

How does the business loan work?

Our unsecured loans allow businesses to borrow between £5,000 – £50,000 with repayment terms of 3 – 36 months. The loans include 2% – 2.5% interest per month, as well as a 1% fee on drawdown.

What can a business loan be used for?

One of the benefits of an unsecured business loan is that they are very flexible and can be used for a variety of purposes. Below are some options that a business loan can be used for.

Train staff: A solicitors may wish to use a business loan to train staff. Staff often need training when being a solicitor, especially if they’re looking to develop in their legal career. A business loan can be used to pay for the costs of training staff.

Purchase new equipment: Unsecured business loans can be used to upgrade existing equipment or purchase something completely new. The flexibility of an unsecured loan lets a business to invest in whatever equipment they need, unlike some other types of lending that are more restrictive of what you can use it on.

Grow the business: A solicitors may wish to grow their business with the money from a loan. It could be used to move into a new, larger premises. It could be used to hire new staff or spend money on marketing. Ultimately, it can be used on anything that could grow a business.


How can I apply for a loan for my solicitors?

To apply for a solicitor’s loan, you can either apply using our online application form or speak to one of our account managers already by calling 01244 20276.

Is my business eligible for a business loan with JPM Capital?

In order to be eligible for a loan with JPM Capital, you must meet the following criteria listed below:

  • Your business must already exist in the UK.
  • You must not have any standing County Court Judgements (CCJs).

Will I have to sign a personal guarantee when I apply for a loan?

Yes, it is expected that the director(s) will need to sign a personal guarantee if they wish to take out a business loan with JPM Capital. The loan itself will still remain unsecured and not require security. The personal guarantee simply ensure that the director(s) will become personally responsible for any outstanding debt, such as if the business becomes insolvent.

How much interest is charged on the business loan?

Currently the interest rate on the unsecured loans we provide ranges from 2% – 2.5%. Interest is structured at this rate due to the inherent risk that unsecured loans provide, it is also because we consider applications from clients who have previously been rejected for finance in the past. Our pricing structure still remains competitive on the market.

Unsecured business loan breakdown

Unsecured business loan for solicitors DETAILS
How much can I borrow? £5,000 £50,000.
How long can I borrow for? 3 – 36 months.
What is the interest rate on an unsecured business loan? 2% – 2.5% per month.
Do I need to pay a fee? Typically 1% fee, on drawdown.
Do I need to sign a personal guarantee? Yes.

Why should I apply for a business loan with JPM Capital?

JPM Capital Finance limited is a commercial lender that specialises in unsecured business loans. JPM Capital helps provide loans to businesses across the UK so that they can invest in their business and grow. 

Having over 30 years of combined experience, JPM Capital uses its commercial finance expertise and knowledge of the industry to help secure finance to businesses without disrupting their operation.

JPM Capital is also authorised and regulated by the Financial Conduct Authority (FCA).

Barristers

JPM provide specialist financial services for members of the Bar Council. We understand our Barrister clients’ particular needs, generally relating to mounting Aged Debt positions.

Our Barrister clients enjoy the ease of our process, the quick access to funding and the flexible communication process.

With court commitments it can be difficult to find time during traditional ‘Office Hours’ to manage finances. As such we make ourselves available outside of normal hours and can manage communications via Email or Text. This gives our Barrister clients access to funding without needing to take precious time out of day to day work obligations.

Typically, but not exclusively, we assist Barristers with the following requirements

Accountants

What is a loan for an accountant?

We provide unsecured business loans to accountancy practices that are in need of funding. An unsecured business loan is a financing solution that does not require security should a business default on a loan.

Can I get a business loan for my accountancy practice?

Yes, we lend to a variety of industries including accountants. We are able to lend to accountants whether they’re an independent accountant or whether they’re a director of an accountancy firm. 

We are able to offer loans from £5,000 – £50,000, with a repayment plan ranging from 3 – 36 months. We work with a variety of business types including new businesses, small businesses and medium businesses.


Why would an accountant apply for an unsecured business loan?

All businesses have their reason for applying for an unsecured business loan, and that is no different for an accountant. It can be used to expand their business, or to help purchase necessary equipment for young businesses.

Below we have provided some reasons why an accountant may apply for a business loan:

Flexibility

One of the benefits of an unsecured loan is that it is flexible and can be used for a range of circumstances. An unsecured business loan is unlike some forms of finance which require the loan to be used for a specific purpose, such as VAT Loans.

Therefore an accountancy practice loan can be used to purchase new equipment, improve cash flow or working capital to name a few examples. 

Industry specific needs

An accountancy practice may apply for a business loan in order to generate money to invest in industry specific needs. This could include providing training to staff in order to become a chartered accountant, purchasing new equipment, or to expand the business.


Are there any downsides to an unsecured loan?

Higher Interest Rates

Although our interest rates are charged between 2 – 2.5% per month, interest rates on unsecured loans can be slightly more expensive. Interest rates are often higher as unsecured loans are more risky for the lender.

Smaller loan amounts

We only provide loans up to £50,000 which may be considered small to some businesses. Again the risk the lender could face with unsecured loans often means that these loans come in smaller amounts.


How can I apply for a loan for my accountancy practice?

To apply for an accountancy loan you either apply via our quick and simple application form or you can give us a call on 01244 207276 where you will be put through to one of our account managers.

Am I eligible for a business loan?

To be considered eligible for a business loan you will need to meet the minimum criteria, found below:

  • Be an existing UK based business.
  • Have no active County Court Judgements (CCJs)

Do I need to sign a personal guarantee when applying for a business loan?

Yes, it will be expected that the business owner/director(s) will sign a personal guarantee should they choose to apply for business finance. The loan itself will still remain unsecured, but the personal guarantee will ensure the director(s) will be personally liable for repaying any outstanding debt should the business fail. 

Most directors will generally have confidence in their business and tend to agree to a personal guarantee. For those who are concerned, we can provide personal guarantee insurance which can help protect an owner.

How much interest is applied to the unsecured business loan?

The current interest rate on the loan is 2% – 2.5% per month. Interest is charged at this rate as the loan is unsecured and we consider applications from clients who may have been declined previously, this risk is therefore built into our pricing structure.

Unsecured business loan breakdown

Unsecured business loan for accountancy practices DETAILS
How much I can borrow? £5,000 – £50,000.
How long can I borrow? 3 – 36 months.
What is the interest create on an unsecured business loan? 2 – 2.5%.
Do I need to pay a fee? Typically 1% fee, on drawdown
Do I need to sign a personal guarantee? Yes

Why should I apply for a business loan with JPM Capital?

JPM Capital Finance limited is a commercial lender that specialises in unsecured business loans. JPM Capital helps provide loans to businesses across the UK so that they can invest in their business and grow. 

Having over 30 years of combined experience, JPM Capital uses its commercial finance expertise and knowledge of the industry to help secure finance to businesses without disrupting their operation.

JPM Capital is also authorised and regulated by the Financial Conduct Authority (FCA).

Dentists / Doctors

What is a dentist loan?

The loans that we provide to dental practices are unsecured business loans. An unsecured business loan is a finance option that does not require security. This means that should a business owner fail to repay a loan, they will not run the risk of forfeiting a personal or business asset to cover any outstanding debt.

At JPM Capital we specialise in helping businesses receive unsecured finance. As a lender, we have helped many businesses in the dental industry receive the unsecured funding that they need.

Can I get a business loan for my dental business?

Yes, we are able to lend to a number of different industries in the UK that require business funding, including dental practices. Our unsecured loans can be used by new businesses, small businesses and medium businesses. As long as your business is based in the UK and has no County Court Judgements, then your business is eligible for a loan.

The loans we offer range from £5,000 – £50,000 with a payment plan ranging from 3 – 36 months.


Why do dental practices apply for business loans?

There are many reasons why any business chooses to apply for an unsecured business loan, often it is because the business is looking to invest or perhaps provide a temporary injection to cash flow during quiet periods. 

Below we have looked at some reasons why a business may choose to apply for unsecured business finance.

Investment

A business will often apply for a business loan to invest in their business, especially if they do not have the reserves to do so. In the case of a dental practice, an unsecured loan may be used to cover the cost of expensive dental equipment, improve the interior of a dental practice, or even expand.

Spread the cost of investment

In many cases, an unsecured loan can be used to spread the cost of large investments. Rather than paying lots of money in one sum which could affect cash flow, the unsecured loan helps spread the payment over a number of months. 

No need for security

One of the reasons business owners apply for an unsecured loan is that they do not need to provide security. This can be encouraging for some business owners who do not want to risk losing a vital asset should they default on the loan.


How can I apply for a dental loan for my business?

To apply for a business loan with JPM Capital, you can either apply online or via the phone.

Applications on the phone: To apply over the phone call us at 01244 207276. When you call you will be put through to one of our account managers who will be happy to discuss your interest in a loan.

Applying online: To apply online with JPM Capital you will need to complete the quick and simple application form. Once submitted, one of our account managers will soon be in contact to discuss your application for a dental loan. 

Am I eligible for a business loan?

To be eligible for business funding you must meet the following criteria:

  • Be an existing UK based business
  • Have no active County Court Judgements

Will I have to sign a personal guarantee?

Yes, it is expected that a director(s) will need to sign up for a personal guarantee should they apply for an unsecured business loan. The loan itself will remain unsecured, however, the personal guarantee ensures that the directors will be personally responsible for any outstanding debt should the company fail.

For business owners who are unsure about signing a personal guarantee, we work with partners that can provide personal guarantee insurance. This type of insurance is designed to help cover any outstanding debt attached to the loan.However, details will need to be discussed with the insurance provider.

Will I have to pay interest on the loan?

Yes, interest on the loans is 2-2.5% per month on repayment terms from 3-36 months. As we consider applications from customers who have been declined from elsewhere, we do assume more risk which is built into our pricing structure. 

Nonetheless, the interest charged on the loan is still competitive against other lenders on the market.

Business loan summary

Unsecured business loans for dentists DETAILS
How much can I borrow? £5,000 – £50,000.
How long can I borrow for? 3 – 36 months.
What is the interest rate of an unsecured business loan? 2% – 2.5% per month.
Do I need to pay a fee? Typically 1% fee, on drawdown.
Do I need to sign a personal guarantee? Yes.

Why apply for a dentist loan with JPM Capital?

JPM Capital Finance Limited is a commercial lender that aims to provide unsecured business funding to businesses across the UK. JPM Capital strives to find the finance solutions needed for their clients, without disrupting their business.

JPM Capital is authorised and regulated by the Financial Conduct Authority (FCA), which ensures that they adhere to the highest level of compliance.

Hotels / Hospitality

What is a hotel loan?

JPM Capital provides unsecured business loans for hotel owners who are seeking funding solutions. Essentially, an unsecured business loan is a funding option that doesn’t require security, so if the company fails to repay the loan they do not need to necessarily forfeit an asset.

Can I get a business loan for my hotel or b&b?

Yes, we loan to hotel and b&b owners amongst a number of different industries. As long as the business is based in the United Kingdom and does not have any County Court Judgements (CCJ), it will be eligible for a loan.

How much can I borrow when applying for hotel finance?

JPM Capital is able to offer loans from £5,000 – £50,000, with repayment plans ranging from 3 – 36 months. The loan includes an interest rate from 2% – 2.5% per month.


Why would a hotel owner apply for an unsecured business loan?

Coronavirus

COVID-19 has had a very huge impact on the hotel industry in the UK, with many struggling after being forced into closing due to the pandemic. Even despite funding from the government, business owners may still apply for an unsecured loan as means of support for their business, such as help with cash flow.

Redevelopment

Hotels are constantly needing to be updated in order to remain competitive, but also to attract customers and to develop a great reputation. An unsecured loan could be used to help improve the look of a hotel, whether it’s a lick of paint or a complete overhaul.

Flexibility

An unsecured loan is a flexible financing option. Essentially it can be used for any business purpose that is necessary, which means that it is often seen as a favourable financing option for a business.


Are there downsides to unsecured business loans?

Higher Interest rate

Unsecured business loans are risky for the lender, as unlike secured loans there is no security involved. As a result, the interest rate is increased in order to manage the potential risk to the lender. At JPM Capital the interest on our loans ranges between 2-2.5% per month, which is still competitive.

Loan amounts

Unsecured loans are typically lended in small amounts. The reason for smaller loan amounts is due to the risk the lender takes when providing unsecured loans. This is ultimately only an issue if you’re looking for a substantial loan for your business. At JPM Capital we provide loans ranging from £5,000 – £50,000 for new businesses and SMEs.


How can I apply for a loan for my hotel?

To apply for a business loan with JPM Capital you can either call us at 01244 207276 or apply online via our simple online application form. 

Applications over the phone: When applying over the phone you will be speaking directly to one of the finance team. They will be happy to answer any of your questions and discuss the process of the application.

Applying online: Once you submit your application form, one of the members from our finance team will soon be in touch to discuss your application further.

Am I eligible for an unsecured business loan?

To be eligible for a business loan for your hotel business, you will need to meet the minimum criteria below.

  • Currently an existing business based in the United Kingdom
  • Currently do not have any CCJs.

Will I have to sign a personal guarantee?

As the loan is unsecured, it will be expected for the business owners/directors to sign a personal guarantee. The personal guarantee will ensure that the owners will be personally responsible for the payment of the loan, should the business cease to continue trading.

Personal Guarantee Insurance (PGI) provides insurance for individuals (usually Directors) who have given a Personal Guarantee to a lender in respect of the borrowings of the Limited Company.

The insurance policy indemnifies the individual (Director) in the event that the Limited Company becomes insolvent and the personal guarantee is called upon by the lender (usually where the Limited Company is unable to pay back its borrowings).

How much interest is applied to the unsecured business loan?

The current interest applied to a business loan with JPM Capital is 2% – 2.5% per month. Due to the unsecured nature of the loan, it means the lender takes more risk, this risk is integrated into the pricing structure. We also take applications from clients who may have been rejected in the past, the interest also reflects this.

Unsecured business loan breakdown

Unseucred business loan for hotels and B&Bs DETAILS
How much can I borrow? £5,000 – £50,000.
How long can I borrow for? 3 – 36 months
What is the interest rate on an unsecured business loan? 2% – 2.5% per month
Do I need to pay a fee? Typically 1% fee, on drawdown.
Do I need to sign a personal guarantee? Yes.

Why should I apply for a loan with JPM Capital?

JPM Capital Finance Limited is a lender providing unsecured business loans to businesses across the UK. Initially starting out as a commercial finance and services brokerage, JPM Capital entered the direct lending market in 2021. Since then they have strived to help new businesses and SMEs find the funding that they need.

JPM Capital is also authorised and regulated by the Financial Conduct Authority, ensuring that JPM Capital Finance adheres to the top level of industry compliance.

SME / Corporate

Our funding services are available for any business large or small. We love to talk to business owners from different industries. We take the time to understand the challenges that effect your business, your individual requirements and suggest the most appropriate funding solutions.

We work quickly and efficiently to arrange funding with the minimum amount of impact to your business. Funds can be raised for any business purpose and typically turned around within 24-48 hours from start to finish.

Feel free to contact us by phone or email and we look forward to discussing your requirement. Our funding options for the following purposes, but we are happy to discuss any possible scenario:

To discuss funding today please fill out our get a quote form
– OR –
Call 01244 207276

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