The Business Model
The Group lends to growing UK Businesses through its wholly owned subsidiaries.
The Group has achieved targeted growth. And as of August 2019, the Group had a market capitalisation of £38.48M.
Just Cash Flow PLC
A responsible specialist lender to UK businesses and patron of the National Association of Commercial Finance Brokers.
Established UK Limited Companies and LLPs that are keen to grow can apply for a secured flexible revolving credit facility as an alternative to a bank overdraft or business loan.
Credit lines are between £10,000 and £500,000 and operated in a similar way to a bank overdraft.
Just Finance Loans and Investments PLC
Takes an equity investment in companies in conjunction with longer term loans, with repayments to suit the customer's business profile.
Typically these companies will have demonstrated the ability to invest, grow and successfully manage the Just Cashflow flexible credit facility.
The equity stake will underpin their next development stage both in terms of working capital and management support.
Just Finance will carefully choose the companies it takes a stake in based on their specialist knowledge and growth potential.
Just Bridging Loans PLC
Specialises in providing funding in the commercial property sector.
Its funds are always 100% secured against real assets and supported by additional security.
Funding solutions between £50,000 to £500,000 are only provided to experienced, solvent commercial borrowers.
These borrowers are introduced by a carefully selected number of commercial brokers.
JLG C1 Bonds PLC
Formed in order to enable the Group to offer Investors a secured 'near cash' bond.
JLG C1 Bonds PLC has been granted approval by the Global Exchange Market (GEM) of the Irish Stock Exchange for the issue of a series of bond issues all identical in terms of security, interest rate and length of term (364 days) but with different issue and maturity dates.