We’re proud to be Straightforward Lenders

Are you a...

Our History

Providing a partnership approach to all relationships

PMJ Capital was established in 2015 to provide a ‘hands on’ approach to property finance, we felt that there was a gap in the market for a short-term lender who could add real value and support the North West region’s SME developers and entrepreneurs.

We have a reputation for our unique approach to credit coupled with our personalised approach to lending.

Since our launch, we’ve supported a wide range of property developers and professionals with over £200 million of bespoke property funding, which has been used to refurbish buildings, build much needed new homes, create jobs, regenerate communities and generate economic growth.

We pride ourselves on our creative approach to property finance, providing a trusted, honest and pragmatic approach. We see the success of PMJ and our clients’ projects naturally aligned.


What We Do?

We do not have restrictive lending and are able to be innovative in our product offerings

Short Term Finance

We provide short term bridging finance on a wide range of residential, semi commercial and commercial properties.

  • Facilities from £26,001 – £2M
  • LTV up to 70% (75% by exception)
  • Terms up to 12 months
  • First charge
  • England and Wales

Development Finance

Supporting SME developers and housebuilders from ground-up schemes to conversions and part built projects.

  • Facilities from £26,001 – £2M
  • LTV up to 65% GDV
  • Terms up to 12 months
  • First charge
  • England and Wales

Refurbishment Loans

We offer a variety of refurbishment solutions from light renovations to a complete heavy refurbishment, or an extension to a property.

  • Facilities from £26,001 – £2M
  • LTV up to 70% LTV.  Day 1 Value/65%GDV
  • Terms up to 12 months
  • First Charge
  • England and Wales

Are you a property developer or entrepreneur?

Are you a referrer, broker or introducer?

What our clients say about us

“PMJ has been there since the start and are a key part of our growth strategy. Without them we wouldn’t have had the tremendous success that we have enjoyed over the past four years.”


Rob Lloyd,

“Working with PMJ has been a breath of fresh air. They took a commercial and pragmatic approach throughout to get the deal across the line.”



Steve Price,
Cheshire Taverns
Retirement Benefit Scheme

“PMJ has backed us since the start.  We see them as a ‘key partner’ in the success of our business. They are always on hand to support and more importantly, are able to make the right decisions when we need them.”


Kevin Murphy,
KMM Homes

“We see PMJ as a key part of our team, they provide a real partnership approach to development funding, completely simplifying the process.”



Scott Ashall,
Lane End

News and Insights

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 donates £50,000 to North West Charities

As part of our annual charitable activities we are delighted to announce that we have donated over £50,000 to North West …

PMJ Capital funds speculative commercial development in Oldham

PMJ Capital has provided a £135m development loan to Up North Developments, to fund the build of a new speculative commercial …

PMJ Capital fund eco homes in Chorley

We have recently provided a £975,000 development loan to fund two executive net zero carbon houses in Whittle le Woods, Lancashire …

Quick Enquiry

Use our quick enquiry form alternatively call 01204 328477 for more information.

    Are you a referrer, broker or introducer?