JPM Capital
Unsecured business lender that says it helps businesses through difficult periods, including bad-credit cases where mainstream lenders decline. JPM Capital started as a commercial brokerage in 2015 and became a direct lender in 2021, by its own account. An alternative to Bizcap for smaller tickets of £5,000 to £50,000.
Quick verdict
- Product: Specialist unsecured business loans, including post-decline cases.
- Ticket band: £5k to £50k.
- Pricing: Quoted per application (not published).
- JPM Capital says it uses a soft search at quote stage, which other lenders cannot see on your credit file.
At a glance
JPM Capital, at a glance
- Legal entity
- JPM Capital (Chester; trading entity not verified)
- Founded
- 2015
- Product
- Specialist unsecured business loans, including post-decline cases
- Ticket range
- £5k to £50k
- Decision time
- Typically 24 to 48 hours (its own figure)
- Ltd-only
- No, the lender also accepts other structures
Where JPM Capital is strong
- Accepts CCJs and recent missed payments that Funding Circle, iwoca and the high-street banks reject outright.
- Direct lender pricing, which avoids the broker mark-up some post-decline routes carry.
- Same-day decisions for clean post-decline cases, useful for time-pressured files.
- Offers bad-credit, VAT and tax funding lines, according to its own site.
Watch-outs, and when another lender may suit better
- Higher pricing band by post-decline category economics, so rate-sensitive borrowers should try iwoca or Funding Circle first if their file allows.
- Smaller brand presence than the mainstream names.
- Per-month rate quoting hides effective APR, so work it out before signing.
- Bad fit for clean-credit mainstream cases where Funding Circle, iwoca or Allica would price tighter.
Best fit applicants
- Post-decline applicants needing an unsecured loan of £5,000 to £50,000
- Files with recent missed payments where mainstream lenders blocked
- Speed-prioritised post-decline cases that need a 48-hour decision
Where JPM Capital is the wrong fit
- Clean-credit mainstream cases, consider Funding Circle, iwoca or Allica
- Rate-sensitive applicants whose file would clear iwoca, which is likely to be cheaper
- Pre-revenue applicants, consider Start Up Loans Company
If declined by JPM Capital
If your application to JPM Capital is declined, ask the lender for the reason in writing. Some alternatives are named in the watch-outs section above. See also our JPM Capital decline guide for what to do next, and our side-by-side guide to JPM Capital alternatives for the closest UK specialty finance providers.
Other lenders we list
- 365 Business Finance, Merchant cash advance (revenue-based finance)
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan, asset finance + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
How we rate JPM Capital
This review is FundBiz's own editorial assessment, scored against a published framework. See our methodology for how we rate each lender.
FAQ
What can I borrow through JPM Capital?
JPM Capital offers specialist unsecured business loans, including post-decline cases. Ticket range: £5k to £50k. Typical rate: Quoted per application (not published).
How long does JPM Capital take to decide?
Typically 24 to 48 hours (its own figure) JPM Capital says checking eligibility uses a soft search, so it does not affect your credit score.
Who is JPM Capital the best fit for?
First on the list: Post-decline applicants needing an unsecured loan of £5,000 to £50,000. The full list is under Best fit applicants above.
When might another lender suit better than JPM Capital?
First on the list: Clean-credit mainstream cases, consider Funding Circle, iwoca or Allica. The other cases are under Where JPM Capital is the wrong fit above.
Send an enquiry
Tell us what you need in 2 minutes. FundBiz is not a lender and does not run a credit check. We pass your enquiry to a business finance broker, who will contact you about your options. For limited companies, LLPs and partnerships with four or more partners.
Send an enquiry →Official site: JPM Capital
Last updated: . By Adam Parker. FundBiz is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman.