Whether you’re looking to buy land, refurbish old properties, or build new homes, we can provide the finance for you at extremely competitive rates.

Asset finance is the perfect solution for businesses looking to invest in new equipment who don’t want a large upfront cost. There are a couple of different options available – hire purchase or leasing.

With leasing the funder purchases the asset on your behalf, allowing the customer the use of the asset during the lease. Hire purchase is very similar to leasing but with the added benefit that you can buy the asset for a small fee at the end of the agreement. There are many factors to consider and we can advise you on the solution that’s right for your business.

Need to expand your business? Looking to invest in machinery, vehicles or equipment? Want some working capital? Whatever you need funds for, a business loan might be just what you need.

We work with some of the market-leading lenders to provide the right amount at the right time, to really help support and develop your business. 

Personal Guarantor Insurance (PGI) is insurance designed to protect business owners who provide personal guarantees for their company's loans. When a business owner personally guarantees a loan, they put their personal assets, such as their home or savings, at risk if the business defaults. PGI helps mitigate this risk by covering a significant portion of the guaranteed amount.

Benefits to Business Owners:

1. Safeguard Personal Assets: PGI protects personal assets from being seized by lenders if the business defaults on its loan.
2. Peace of Mind: Knowing that a large portion of the debt is covered can reduce stress and worry for business owners.
3. Promote Business Growth: With reduced personal financial risk, business owners may feel more confident in taking on loans to grow their business.
4. Increase Borrowing Power: Lenders may be more willing to offer loans or better terms, knowing that PGI provides an additional layer of security.
5. Reduce Bankruptcy Risk: PGI can help prevent personal bankruptcy by covering a portion of the debt if the business fails.
6. Flexible Coverage: Some policies offer flexible coverage that can increase as the business repays its loan.
7. Assure Stakeholders: PGI can instil confidence in investors, lenders, and key employees by providing a safety net.

Jerroms Mortgage & Finance have partnered with Purbeck Insurance Services to offer our clients Personal Guarantee Insurance (PGI). This collaboration helps business owners secure necessary financing while mitigating personal financial risk, aligning with Jerroms' commitment to client support and financial stability. Insurance is available for both existing and new Personal Guarantees.

How it works:

1. Client Introduction: When a Jerroms client is considering a loan that requires a personal guarantee, Jerroms introduces them to Purbeck Insurance Services. Alternatively, please click on this link to start your application.
2. Risk Assessment: Purbeck assesses the financial health of the business and the director's track record to determine the insurance premium.
3. Insurance Coverage: If approved, Purbeck provides PGI, which covers a significant portion of the personal guarantee. This means if the business defaults on the loan, the insurance will cover a portion of the debt, protecting the director's personal assets
4. Ongoing Support: Purbeck offers ongoing support to help businesses manage risks and navigate financial challenges, ensuring directors have a safety net in place

More information on Personal Guarantee Insurance (PGI), is available by clicking on this overview. If you're ready to start your application, click on this link to start your application.

Alternatively, if you'd like to discuss whether PGI is the best option for you and your business, please contact This email address is being protected from spambots. You need JavaScript enabled to view it.at Jerroms Mortgage & Finance.

Waiting for customers to settle invoices can create cash flow challenges for small-to-medium sized businesses.

This is where invoice discounting can help. By utilising invoice discounting, businesses can promptly access funds held in outstanding invoices and leverage their sales ledger's worth. The process is straightforward: upon invoicing a customer, you receive a portion of the total amount from the lender, offering your business a cash flow enhancement.

What is Invoice Discounting?

Invoice Discounting is a financial service where businesses use their unpaid invoices as collateral to secure short-term funding.

Essentially, a company sells its invoices to a financial institution at a discount, receiving immediate cash instead of waiting for the customer to pay. This helps improve cash flow, allowing the business to meet its immediate financial needs, such as paying suppliers or covering operational expenses.

Benefits of Invoice Discounting

• Improved Cash Flow: Provides immediate access to cash tied up in unpaid invoices.
• Flexibility: Businesses can choose which invoices to discount and when.
• Confidentiality: Customers are usually unaware that invoice discounting is being used.
• Growth Support: Helps businesses manage cash flow and invest in growth opportunities without waiting for invoice payments.

Get in touch with our team to find out more and whether this option is right for you.

Shariah Compliant Investing is a type of investment that must follow Islamic Law.

It is known as socially responsible investing due to the specific requirement to access the fund that complies with Islamic principles. Unlike conventional lending, it prohibits charging interest (riba) and speculative activities (gharar).  Instead, it focuses on profit-sharing, leasing, and partnership models. 

Like most social investments, a shariah compliant social investment fund will care about both financial return and social impact created for beneficiaries. Shariah-compliant lending aims to create a balanced and ethical financial system that aligns with Islamic principles. 

Principles and Benefits

• Risk Sharing: Both lender and borrower share the risks and rewards, promoting fairness and ethical behaviour.
• Asset-Backed: Ensures that all financial transactions are backed by tangible assets, reducing speculation.
• Ethical Investments: Funds are invested in socially responsible and ethical ventures, avoiding industries like alcohol, gambling, and pork.

Get in touch with our team to find out more and whether this option is right for you.