Home Company Investments News Investors Contact The Lenders' Lender Why was Just Loans founded? The Just Loans Business Model Rethinking The Loan Market The Loan Market The Just Loans Advantage Further Information Just Loans entered the commercial loan market to help bridge the funding gap that has restricted the progress of British industry. Despite economic conditions, Just Loans has found a way to help to support British industry. Many SMEs find it difficult, if not impossible to access financing from the major banks and often have to turn to specialist lenders. However, despite their expertise, specialist lenders are themselves affected by the current lack of funding from the major banks. As the Lenders' Lender, Just Loans will help to bridge the funding gap that is restricting the growth of SMEs, by providing income-producing loans to specialist lenders in order that they can finance appropriate companies and individuals. Investments will range from £100,000 to £5M, and Just Loans will generally seek a return of 12–15% per annum. By investing money, time and knowledge, Just Loans will help lending companies to perform optimally - and in doing so, provide investors with a 7.5% pa fixed-return. The return to investors comes from either a 3 year or 10 year secured debenture. The Debentures are currently quoted on the GXG Main Quote in Denmark - a matched-bargain marketplace. Back to top The Just Loans Business Model Just Loans will only lend to lending companies that are excellent business propositions. It will not lend directly to other commercial organisations. Just Loans will ensure that the lenders have high levels of relevant industry experience and knowledge. Loans made by Just Loans to the lending companies will always be secured by a fixed and floating charge over the resulting loan book (or any other material assets) of the lender company to at least the value of the loan advanced. Just Loans will ensure that the loans to the lending companies are repayable before the redemption date of the debentures that it has issued. Back to top Rethinking The Loan Market The economic climate has seriously impacted the loan market - especially corporate lending. With such a large funding gap, many SMEs are unable to reach their potential. With traditional means of finance so difficult to obtain, Just Loans decided to lend to the lenders. Just Loans will not only fund specialist lenders, but work with them to improve underperforming areas of their business, such as operations, marketing, sales and product development. And with an impressive network of business professionals, Just Loans will suggest additional management and technical expertise where needed. This will help to ensure that each business and investment fulfils its potential. Each aspect of lending requires specialist knowledge. Just Loans will only lend to companies with high levels of sector-specific experience and acumen; companies that show excellent prospects for growth and success. By carefully choosing the right business models, Just Loans will help to drive this growth and success. Back to top The Loan Market Just Loans funds lending companies that find it difficult to raise finance through more traditional means. Although Just Loans looks to invest in and fund specialist lending companies, it will invariably take an equity in the companies it funds. The following lending sectors are of particular interest. Bridging Finance Popular with companies looking to 'bridge' a short-term property transaction. Mezzanine Finance A second loan on top of a traditional loan, usually for property development. Ranking after the principal loan, mezzanine finance is considered higher risk. It generates higher returns through a combination of debt and equity finance. Returns are seen through interest on the loan, as well as the value of the profit share. Legal Fee Finance Funding for individuals involved in divorce or litigation. Eases the burden of fees and disbursements, particularly given the reduced availability of Legal Aid. Property Development Finance Small but experienced property developers find it difficult to obtain finance in today's market. The large demand for property development finance is reflected by good returns. Leasing The leasing company purchases a corporate asset, such as machinery, and leases it to the borrower, in return for regular payments. The asset remains the property of the leasing company. Back to top The Just Loans Advantage Just Loans has been strategically formed to add value to the companies it funds. Unlike many corporate lenders, Just Loans is not a group of financiers or business school colleagues with similar backgrounds. Just Loans is a team of business builders whose individual experiences encompass finance, operations, marketing, sales, and product development. The Just Loans team will actively share these skills with specialist lenders, with the ultimate goal of building great businesses together. The Just Loans team is a true partnership – and not just in rhetoric. The entire executive team sits on the lending and investment committee. Unanimous support is required to make any investment. The vast network of business contacts of the Just Loans Team will be used to assist the companies it funds. The Just Loans culture is entrenched in teamwork, integrity and collaboration. Back to top Further Information Just get in touch if you would like further information. Your information is secure. You can also click the Norton Secured logotype for more information on our security. Contact Details Message Area What is a Personal Verifiction Phrase ? 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