Development Finance

For residential and commercial projects. Supporting your development. Committed to your success.

PMJ Capital gives you the certainty you need to plan your build with confidence

We provide short-term development finance packages for residential and commercial projects with funding ranging from £100k to £2million, with competitive terms typically up to 12 months. Our relationship approach adds real value, supporting North West SME developers and entrepreneurs. Whether you are new to development or have many years of expertise, we are committed to supporting you with your project – we never back out of a commitment. As independent lenders with many years in the industry – lending our own money – we will give you the certainty you need to plan your build with confidence.


Why PMJ Capital?

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 clients’ successes and support them when things don’t go to plan.

Quick Enquiry

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


    Straightforward property lenders

    We are happy to look outside the box


    Total amount lent to borrowers

    Every borrower has a relationship manager



    Informed decisions with no credit committees


    When we make a decision we stick to it

    You can rely on us to support you

    Simple and swift turnaround of funds, exactly when you need them

    We provide short-term development packages for residential and commercial projects with funding ranging from £100k to £2 million, with competitive terms typically up to 12 months.

    We Provide

    Facilities from £26,001 – £1million LTV up to 65% GDV
    Terms up to 12 months (will consider more by exception)
    First charge
    England and Wales

    Are you a referrer, broker or introducer?

    Types of Development Loans Available

    Our team has worked in the industry for many years and know that every development is different. Our straightforward, trusted approach simplifies the process. Throughout the duration of your loan, we will work closely with you to understand your pinch points and future plans to guarantee a swift turnaround of funds exactly when you need them.

    Ground-up Residential Development Loan

    Our funding can help support the initial land acquisition as well as covering all the costs of development. Using our expertise and years of experience, we can ensure your project’s maximum potential is reached.

    Permitted Development Loan

    If you are extending a current property, or changing the use of a commercial one, we can facilitate it with a Permitted Development loan.

    Commercial Development Loan

    No two commercial developments are ever the same. We assess each unique opportunity on a case-by-case basis, using our in-house expertise to bring multiple projects to life each year.

    Our Experienced Team

    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


    David Rainford

    Managing Director

    Lee Barton

    Relationship Director

    Stuart Stead


    Ben Wright


    Anita Shaw

    Personal Assistant

    Claire Hextall

    Marketing & PR Consultant

    Elise Williams

    Lending Support

    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