PMJ Capital: products, terms and eligibility

PMJ Capital is a UK provider of property development finance. The legal entity named on its site is PMJ Capital Limited, company number 09485153. It is based in Bolton. Companies House shows the company was incorporated 2015.

PMJ Capital Limited was incorporated in 2015 (company number 09485153) and its address on its site is Atria, Spa Road, Bolton. It describes itself as an independent lender that lends to property professionals and introducers, and says it applies commercial judgement rather than restrictive lending criteria. It states it is not authorised or regulated by the FCA and writes unregulated loans only.

In its own words on scale:

• Says it has funded over £280M to date (figure on its site in October 2026).

Everything on this page comes from what PMJ Capital publishes itself. We show the date we last checked it, and we do not rate or rank lenders.

PMJ Capital publishes 5 products for UK businesses. The table above gives the amounts and terms as it states them.

Ground-up development

Ground-up finance for new-build, conversion and mixed-use schemes, covering land acquisition, construction and associated development costs. The site gives loans from £100,000 to £5 million, up to 85% of cost and up to 65% of gross development value, for terms of up to 24 months. The exit is sale or refinance of the completed scheme.

Development exit loans

Designed to repay an existing development lender and give the developer more time to finish works and sell or refinance the properties. The site gives loans up to £5 million, up to 75% of gross development value and up to 85% of cost, for up to 24 months. It is aimed at schemes that have reached the end of their existing lender’s term.

Finish and exit loans

Listed as a lending product alongside the others. A product page was not read, so no further detail is recorded.

Conversion and refurbishment loans

Listed as conversion and refurbishment lending, with funded projects on its site including HMO and commercial-to-residential conversions. No product page was read, so no limits are recorded.

Bridging finance

Listed as a lending product for property professionals. No product page was read, so no limits are recorded.

PMJ Capital says its finance is used for:

• Funding land purchase and construction for new builds
• Converting commercial property to residential
• HMO conversions
• Refinancing a development nearing the end of its term
• Completing works and selling or refinancing a scheme

Sectors and business types it says it funds:

• Residential development
• HMO conversions
• Commercial-to-residential conversions
• New build and refurbishment

What it says it does not fund:

• Northern Ireland

PMJ Capital publishes these criteria. Meeting them does not mean an application will be accepted: every lender makes its own decision.

• Property developers and investors.
• Residential, semi-commercial and commercial properties for bridging.
• Finish and exit and development exit loans across England and Wales.
• Says it does not have restrictive lending criteria.

PMJ Capital describes its process like this:

1. Contact the lender directly about the opportunity.
2. The lender assesses each opportunity on its own merits with its decision makers.
3. Proceed from enquiry through to completion.

Every application is subject to status and the lender’s own criteria at the time.

Development finance funds the purchase of a site and the cost of building or converting it, with the build money released in stages as work is completed and inspected. The loan is usually repaid from sales or by refinancing the finished property.

Lenders assess the developer’s experience, the costs and the expected end value, and set the loan against both. Understanding how lenders differ before you compare offers helps when weighing terms.

Points PMJ Capital publishes that are worth knowing:

• Only writes unregulated loans and is not authorised or regulated by the FCA.
• Loans are not available in Northern Ireland.
• Website is intended for property professionals and introducers only.
• Development exit and finish and exit loans are offered in England and Wales; ground-up loans across the UK (excluding Northern Ireland).

PMJ Capital’s site states: “PMJ Capital Limited (t/a PMJ Capital) is not authorised or regulated by the Financial Conduct Authority (FCA) and as such is only able to write unregulated loans. Registered Office – Atria, Spa Road, Bolton, BL1 4AG. Registered in England 09485153. Loans are not available in Northern Ireland.”

Protections differ by borrower type and loan size. Most lending to limited companies is not regulated consumer credit, so read the agreement and ask the lender what applies to you.

Other providers of property development finance with profiles here include Signature Property Finance, Affirmative Finance and Goldentree Financial Services. Each profile uses that lender’s own published terms.

The full list, grouped by product type, is in our directory of UK business lenders.

Capzy is a credit broker, not a lender, and gets paid by the lender. One application lets your business compare options across lenders, so you can weigh this kind of facility against the alternatives. You can check your funding options with a soft search that does not affect your credit score. A full application to a lender may involve a hard search, and any offer is subject to status and lender criteria.