Jabac Finances is a small, independent lender based in Harrow, Middlesex, that provides short-term secured loans to property investors and businesses. Its published case studies include loans secured on investment property and loans that sit alongside an existing first charge lender. Bridge & Build Finance is an independent broker and is not part of Jabac Finances, so we can compare its terms with other bridging lenders.
About Jabac Finances
Jabac Finances Limited was incorporated in 1962 and is registered in England, with its registered office in Harrow. It is a non-bank lender, and its own materials describe long-standing client relationships, in some cases going back decades. Jabac says it is authorised by the Financial Conduct Authority for certain types of lending and second charge mortgage business.
Jabac's approach is personal and flexible. It says interest is charged only on the outstanding capital balance, and that it does not charge early repayment fees. As well as property, it has lent against other assets for long-standing clients, and it will sometimes take security over additional property to make a loan work.
Jabac Finances is one of the lenders we compare for smaller bridging loans and second charge bridging.
What Jabac Finances funds
Jabac does not publish detailed criteria, such as loan sizes, terms or maximum loan to value. At the time of writing (October 2026), what it says publicly is that it provides short-term secured loans, charges interest only on the outstanding capital balance and does not charge early repayment fees. Its published case studies describe loans secured alongside a first charge lender and loans supported by additional investment property.
Loans are assessed case by case, and Jabac may take security over other property you own to support a loan, for example to fund land before planning or to fill a gap in a development's funding alongside the main lender. That makes it a possible source of top-up funding where a senior lender will not stretch further, subject to the first charge lender's consent.
Jabac does not offer development finance as a standalone product, so a full build loan needs a development lender.
Who Jabac Finances suits (and who it may not)
Jabac Finances tends to suit:
- Investors and businesses needing a short-term secured loan from a smaller, personal lender.
- Borrowers who need a second charge loan behind an existing mortgage or development loan.
- Borrowers who can offer additional property as security.
- Borrowers who value a personal, relationship-based lender over a highly automated process.
It is a poorer fit for large loans, standalone development or heavy refurbishment finance, and borrowers who want detailed published criteria before applying. Anyone needing a bridge on a home they live in should check with an adviser which lenders can offer regulated bridging.
What Jabac Finances looks at
Because Jabac lends case by case, expect it to focus on:
- The value and quality of the property, or properties, offered as security.
- For second charges, the first charge lender, the balance outstanding and the equity remaining.
- Your exit: a sale, a refinance, or proceeds from a development.
- Your history as a borrower and, for existing clients, your track record with Jabac.
- Any personal guarantees or additional security that support the loan.
Pros and cons
Pros
- Long-established lender, incorporated in 1962.
- Can lend alongside an existing first charge lender.
- Will consider additional property as security to make a loan work.
- No early repayment fees, with interest charged on the outstanding balance.
Cons
- Very little published criteria, including no published loan sizes or terms.
- No standalone development finance.
- A small lender, so capacity for large or complex cases is limited.
Going through a broker vs going direct
Jabac deals with borrowers directly and with intermediaries. With little published criteria, it can be hard to know whether a smaller specialist like Jabac or a larger bridging lender will offer better terms. Comparing both is worthwhile, particularly on second charges, where the cost and the first lender's consent can vary.
We search the market, present your case and approach suitable lenders, including Jabac where it fits. It is free to enquire, and any broker fee is disclosed before you proceed. See our guide to second charge bridging loans.
Alternatives to Jabac Finances
- Mercantile Trust: smaller bridging loans from £25,000.
- HFBS: very small bridging loans, from £5,000.
- JMT Finance: bridging from around £50,000.
- Evolve Lending: residential bridging and light refurbishment from £25,000.
- Together: a large specialist lender for bridging, regulated bridges and second charges.
Common questions
How long has Jabac Finances been lending?
Jabac Finances Limited was incorporated in 1962 and is registered in England, with its registered office in Harrow, Middlesex.
How much does Jabac Finances lend?
Jabac does not publish a loan range, term or maximum loan to value. Each case is assessed individually.
Does Jabac Finances offer second charge loans?
Yes. Jabac lends on second charges alongside an existing first charge lender, and says it is FCA authorised for certain second charge mortgage business.
Does Jabac charge early repayment fees?
Jabac says it does not charge early repayment fees, and that interest is charged only on the outstanding capital balance.
This review is our independent summary of the lender's publicly stated lending, checked in October 2026. Criteria change, so confirm the current position before relying on it. Bridge & Build Finance is an independent broker and is not part of any lender reviewed. Finance is subject to status, valuation and lender approval.
