The Just Loans Group plc is a UK-based alternative finance group founded in 2012. It offers a variety of business loans including working capital and property bridging finance through specialised subsidiaries. The group combines technology-driven underwriting with traditional credit assessment and is regulated by the Financial Conduct Authority (FCA). Its lending model typically suits established UK SMEs and property investors seeking flexible funding options. For more about the type of funding, see the alternative finance loans overview and detailed business loans guide.
Key Features of The Just Loans Group
The lender offers several features aimed at assisting borrowing businesses with quick access and ongoing financial control.
- Digital application portal integrates bank-feed data for faster decisions.
- BusinessPlus Prepaid Mastercard linked to credit facility enhances expense control.
- Dedicated UK relationship managers provide ongoing support and account management.
Funding Eligibility
Eligibility depends largely on the business's trading history and turnover. Typically, you may qualify if operating as a UK-registered limited company or LLP with the necessary financial history and turnover figures. Some sectors are excluded. Personal guarantees are usually required. Detailed criteria are explained in the business loan qualification guide and further detail on personal guarantees. General loan eligibility requirements are also found in the alternative finance loans section.
Loan Options
The Just Loans Group offers several main loan types to suit different business and property finance needs.
- Revolving Credit Facility (Just Cashflow): Loans from £10,000 up to £2 million. Terms include a renewable 12-month facility with draws repayable over 5 years. Interest rates range from 0.79% to 2.00% per month (representative APR 9.9% to 26.8%). Suitable for businesses trading 6+ months with £50,000+ turnover. See the revolving credit loans page for details.
- Business Term Loans (BusinessBuilder & Business Accelerator): Amounts between £10,000 and £250,000. Terms vary from 3 to 24 months. Interest rates fixed from 1.5% to 3% per month (~34% to 48% APR). Requires 1 year trading and £100,000+ turnover. More structured repayment with potential capital holidays. More in the term loans section.
- Property Bridging Loans (Just Bridging Loans): Loan amounts from £26,000 to £10 million. Terms are generally 3 to 18 months interest-only. Interest rates from 0.75% to 1.50% per month (approx. 9% to 18% p.a.). Asset security and exit strategy required. Suitable for property investors or SPVs, with details in the bridging loans article.
How to Apply
The application process is digital-enabled with quick approvals for working-capital products and slightly longer for bridging finance. Applicants should prepare essential documents such as bank statements, financial accounts, and identification. Personal and asset security documentation is required where relevant. Typical steps include:
- Submit an online application form with business and director details.
- Provide bank statements, filed or management accounts, and proof of exit strategy for bridging loans.
- Undergo credit and affordability checks as part of the loan application process.
- Review and sign offer documents, with funds available usually same day (working capital) or within 5-10 days for bridging.
Funding Agent's View on The Just Loans Group
The Just Loans Group serves mid-market UK businesses and property investors seeking flexible alternatives to banks. Its technology-driven underwriting, sizeable credit limits, and varied loan types support established SMEs. However, its requirement for personal guarantees and asset security may not suit all borrowers, especially startups or those avoiding personal risk. For further guidance, use Funding Agent's eligibility checkers, loan calculators, and comparison tools to explore appropriate options before proceeding.
