JPM Capital
Panel post-decline specialist we route to for files with CCJ history, recent missed payments or bad credit where mainstream lenders decline. Direct lender so the rate the applicant sees is the rate they get. We use JPM Capital in parallel with Bizcap when the post-decline file needs a second look at a slightly different risk angle, particularly where a term-loan structure is preferred over an MCA.
Quick routing verdict
- Product: Specialist post-decline term loans and MCA.
- Ticket band: £5k to £500k.
- Decision time: Same day to 48 hours.
- Pricing: Factor / per-month equivalent in higher band.
- Soft search at quote stage: no credit-file footprint.
- FCA-authorised.
At a glance
- Legal entity
- JPM Capital Limited
- Founded
- 2014
- Product
- Specialist post-decline term loans and MCA
- Ticket range
- £5k to £500k
- Decision time
- Same day to 48 hours
- Ltd-only
- Lender accepts other structures, FundBiz routing is Ltd-only
- Last reviewed
- 2026-06-12
Why we route here
- Accepts CCJs and recent missed payments that Funding Circle, iwoca and the high-street panel 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.
- Term-loan structure available alongside MCA, which differentiates from Bizcap when the applicant wants a fixed monthly payment.
When we route elsewhere
- Higher pricing band by post-decline category economics, route rate-sensitive applicants to iwoca or Funding Circle if their file allows.
- Smaller brand presence, which means we have to position the matcher result with care.
- Per-month rate quoting hides effective APR, the matcher translates it.
- Bad fit for clean-credit mainstream cases where Funding Circle, iwoca or Allica would price tighter.
Best fit applicants
- Post-decline applicants with CCJ history wanting a term loan rather than an MCA
- 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, route to Funding Circle, iwoca or Allica
- Rate-sensitive applicants whose file would clear iwoca, route there instead
- Pre-revenue applicants, route to Start Up Loans Company
If declined by JPM Capital
If your application to JPM Capital is declined, the FundBiz post-decline matcher routes by decline reason. Common alternatives in our panel are listed in the "When we route elsewhere" section above. See also our JPM Capital decline runbook for sector-specific routing detail, and our side-by-side guide to JPM Capital alternatives for the closest UK specialty finance providers.
Other panel lenders
- 365 Business Finance, Merchant cash advance
- Aldermore, Asset finance, invoice finance, commercial mortgages
- Allica Bank, SME term loan + commercial mortgage
- Bizcap, Specialist post-decline / fast cash
Editorial reviews
For independent editorial reviews of JPM Capital and the wider UK SMB lending market, see our sister site BestBusinessLoans.
Run the matcher
Tell us your turnover, sector and ticket size. We score against JPM Capital and the wider FundBiz panel, then surface the lenders most likely to approve. Limited companies, LLPs and partnerships of 4+ only.
Open matcher →Last reviewed: 2026-06-12. By Oliver Mackman.