Business Loans

Business Loans

Business Loans:

Are you struggling to find the right financial deal? SJPR provides flexible financial solutions for your funding needs. What is deemed acceptable for a loan would be expansion and growth, debt consolidation, working capital, tax liabilities, training, marketing, buying stock and recruitment. To apply you need at least one year’s full accounts from you or your business. At SJPR we can help source loans against the following criteria:

  • Up to £1,000,000
  • Up to 60 months term period
  • Best rates in the market
  • No early repayment charges
  • CCJ’s and loan defaults considered
Bridging Loans:

A bridging loan is a short-term loan that gives you immediate cash flow secured on a property. At SJPR we can provide a full and specific solution for every client and we are able to source the best deals for you. Terms considered include:

  • Residential, commercial and semi commercial
  • Loans from £50,000 to £21,000,000
  • No upfront fees
  • Land purposes (with planning permission)
  • Individuals and LTD
  • Adverse credit considered
  • 80% LTV (or even 100% with additional security)
  • Low lending rates
Development Loan

Development Loans are finance packages for property development on new builds, conversions and refurbishment of both residential and commercial properties. The traditional major banks are not keen to lend against this type of project, making it difficult to source the financing you need unless you utilise a specialist lender. At SJPR Finance we will bring invaluable expertise to get you access to the funds you need quicker for your project.

Funding terms can include:
  • 100% of built cost and contribution towards purchase price tailored to each project.
  • Loans from £ 150,000.
  • Up to 70% of Gross Development Value (GDV)
Secured Loan

Second Charge Mortgages or Secured Loans gives you the possibility to borrow additional money from your property as an additional charge. Second charges are ranked behind first charges in priority for repayment. This means the lender takes a higher level of risk than with a conventional mortgage and thus charges a higher rate of interest.

This could be a solution for mortgage arrears, CCJ’s and defaults. Many secure loan lenders only deal with specialised brokers like SJPR Finance and are not directly available for homeowners.
Get in touch with us at SJPR Finance so you can understand more about what a Secured Loan entails.

Merchant Finance

If you have more cash, it is more likely you can do more business. If you collect more than £3,000 per month in credit and debit cards, you have the option to access merchant finance. This is a great way to fund your business with the flexibility of repayments. Our partners will provide you with a tailor-made merchant financing solution for your business.

Hire Purchase

Hire Purchase is a scheme of Asset Finance that enables you acquire an asset while paying monthly premiums over an agreed period. At the end of the term, the asset is yours. Hire Purchase deals are more flexible than conventional loans, and it will let you spread the cost of your investment over the life of the asset, making it easier to budget for.

Hire Purchase is particularly suitable for acquiring fleet vehicles, machinery and equipment. Hire Purchase is also a way to finance buying a new or used car. You (usually) pay a deposit and pay off the value of the car in monthly instalments, with the loan secured against the car. This means you don’t own the vehicle until the last payment is made.

There are numerous Hire Purchase options available so get in touch with us at SJPR Finance now to discuss your situation and requirements.


Leasing is basically a long-term rental, where the lender buys the asset (equipment, machinery, vehicles) and then rents them to the client for an agreed term. After that period the client may return the asset or replace it. Leasing allows you to drive a new car every few years, with low monthly payments and no worries about the car’s resale value. There are two main types of car leasing deals – Personal Contract Hire (PCH) and Personal Contract Purchase (PCP). Under a PCH agreement, you never own the vehicle and you must hand it back at the end of the term. With a PCP agreement, you have the option to buy the vehicle at the end of the term for a residual value.

Get in touch to find out more.

Invoice Finance

Invoice Finance improves your cash flow by dramatically reducing the outstanding days remaining to cash an invoice. Doing so, you will really reduce your cash cycle and will increase your cash flow for any business need that you may have at that point. Improving your cash flow will enable you to buy stock, pay wages, trade internationally, help with the recruitment of staff, manufacturing, logistics, construction and other business services.

Typically, invoice financing works to the following process:

  • Invoice the debtor
  • Submit the copy of the invoice to the lender
  • The lender advances funds to you
  • The lender collects funds from the debtor
  • The lender pays remaining invoice value to you, less fees

Get in touch to find out more.




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