Straightforward property finance

At PMJ we understand that every transaction is different, so we don’t provide products or have inflexible lending criteria.  We work with developers, property professionals and entrepreneurs to provide tailor-made short-term funding packages.

Are you a property developer
or entrepreneur?


Are you a referrer, broker
or introducer?



Relationship focussed property lending

At PMJ Capital we have built our business on placing trust in our clients and this is as important as the deal itself. We have open and honest dialogue, share in our client’s successes and support them when things don’t go to plan.

our history

Flexible Approach

Straightforward property lenders

We are happy to look outside of the box


Total amount lent to borrowers

Every borrower has a Relationship Manager

Our own money

Independent lenders

Informed decisions with no credit committees


PMJ Capital is run by a highly experienced team of professionals with decades of experience in the property sector. We approach lending from a common sense and commercial perspective.

Mike Wright


Mike has a long and very successful career in building and growing companies, particularly in the retail and hotel sectors.

Mike brings his wealth of business experience to PMJ Capital.

David Rainford

Managing Director

Dave is a highly experienced property finance professional, having worked in the industry for nearly 35 years.  With a strong network of contacts across funders and within the professional community he leads the PMJ team.

Dave has been Property Finance Director at Cowgills since 2012 having raised over £500M of funding for SME developers and investors over this period.

Lee Barton

Relationship Director

Lee has worked in the financial services sector for over 30 years starting out at NatWest and for the last 15 years in property finance where he has specialised in development and short term bridging finance.

Stuart Stead


Stuart is a Partner and Head of Property & Construction at Cowgills. With over 20 years’ experience as a chartered accountant specialising in the property and construction sector Stuart has unrivalled knowledge of the industry, working with some of the region’s most exciting and fast-growing property and construction businesses.

Ben Wright


Ben qualified and worked as a solicitor for several years in Manchester and London before joining PMJ Capital in 2015. He has brought his legal expertise to the direction and growth of PMJ Capital, but he also understands the needs of its clients through both his own forays into development and the management of a residential and commercial property portfolio.

Anita Shaw

Personal Assistant

Anita has worked as an Executive PA for 16 years in various industry sectors, having spent eight years in management roles in hotels. She has extensive experience in secretarial, communications, project management and events management. Anita joined the PMJ Capital team in January 2019 as PA to the Board of Directors.

Claire Hextall

Marketing & PR Consultant

Claire has over 18 years’ experience in marketing and PR, specifically in the property industry, having held positions as head of marketing at a national house builder and head of communications at leading property developer Muse. Claire joined PMJ as a consultant in 2020 and works with the team in promoting PMJ’s services.


Find out more about the projects we’ve provided finance for and the clients we’re working with.

Our  team also provide their knowledge and expertise.


PMJ support scheme in Chester City Centre Conservation Centre

PMJ Capital has completed on a £569,500 scheme for Cheshire-based investor/developer Courts Group. The funding package will be used to convert

PMJ support Lane End Group to develop Costa Coffee Drive Thru in Cheshire

PMJ has completed on a £660,000 development loan for North West development and construction firm, Lane End Group. The loan will

PMJ support local developer in opening charity shops across Wales and North West England

PMJ Capital has completed on the final phase of a £466k flexible 12 month funding package to assist developer Bearmont Capital



Paul Duffy, Beluga Projects

“Our thanks to David Rainford at PMJ who has worked with us as a ‘partner’ throughout the process and been with us every step of the way. He support had been key to getting us to this point”

Kevin Murphy, KMM Homes Ltd

“We are now on our fourth development project which has been funded by PMJ, who backed us from the start. Our relationship has flourished and we see PMJ as a key ‘partner’ in the success of our business. David Rainford is always on hand to support and more importantly able to make the right decisions when we need them”

Dave Brislen 4 Real Developments Ltd

“It is important to have a funder who understands your business and be confident they are in your corner. PMJ’s support has never wavered, our relationship has gone from strength to strength and is based on trust built up over several years”