JBR Capital
JBR Capital is a UK FCA-regulated specialist lender providing bespoke point-of-sale finance for high-end vehicles - supercars, classics, prestige, racing and high-end EVs - serving affluent individuals and businesses with loans from £25,000 to £2 million.
- Company typePrivate
- Founded2015
- HeadquartersLondon, United Kingdom
- Headcount51–100
- GTM typeB2B and B2C
- OfferingServices
What JBR Capital does
JBR Capital Limited is a UK-authorised specialist point-of-sale finance lender exclusively focused on high-end vehicles - supercars, prestige and luxury cars, classics (40+ years old), electric and hybrid performance cars, racing cars, and restoration projects. Founded in 2015 and headquartered in London (773 Finchley Road, NW11 8DN), the company is authorised and regulated by the Financial Conduct Authority (FRN 682493) and is a member of the Finance & Leasing Association. Since founding it has originated over £1 billion in loans to affluent private individuals and businesses, with ticket sizes ranging from £25,000 to £2 million and an average advance of £81,000. In 2024 the company was acquired by Shawbrook Bank, which provides balance-sheet capacity and operational resources.
JBR Capital firmographics
Firmographics- Name
- JBR Capital
- Legal name
- JBR Capital Limited
- Website
- https://jbrcapital.com
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- JBR Capital is a UK FCA-regulated specialist lender providing bespoke point-of-sale finance for high-end vehicles - supercars, classics, prestige, racing and high-end EVs - serving affluent individuals and businesses with loans from £25,000 to £2 million.
- Ownership category
- akta.pro rank
JBR Capital industry classification
Industry- Product category
- Specialist Vehicle Finance
- NAICS
- Sales Financing (52222)
- SIC
- Finance Lessors (6172), Personal Credit Institutions (6141)
- akta.pro primary industry
- Retail Lending (Personal Loans, Auto, Credit Lines) (FSABAAAB)
- akta.pro secondary industry
- Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)
Keywords
Where JBR Capital is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
JBR Capital business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Others
Revenue model
- Hire Purchase Finance: Traditional hire purchase contracts where customers pay monthly installments to own the vehicle at end of term. Revenue generated through interest rates (9.9% APR representative) on financed amounts.
- Lease Purchase Finance: Similar to HP with balloon payment at end of agreement that can be refinanced. Customers own vehicle after final payment. Revenue from interest on deferred portion and overall loan value.
- Equity Release: Company buys customer's existing high-value vehicle and sells it back on hire purchase agreement, releasing cash tied up in the car. Revenue generated through the finance arrangement on the repurchased vehicle.
- Auction Finance: Pre-approved financing for auction bidders. Customers secured funds in advance of auction purchases.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Standard HP Agreement |
| Subscription | Monthly | Lease Purchase with Balloon |
| Other | Monthly | Equity Release |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
JBR Capital product offering
Product offeringCore offering
JBR Capital is a UK specialist direct lender providing bespoke point-of-sale finance exclusively for high-end vehicles including supercars, classic cars, prestige and luxury cars, electric vehicles, and racing cars. Core products are Hire Purchase and Lease Purchase, supplemented by Equity Release, Auction Finance, Credit Line Finance, Restoration Finance, and Luxury Car Refinance, with lending from £25,000 up to £2 million per customer.
Product overview
JBR Capital is a UK-based specialist finance company providing bespoke car finance solutions exclusively for high-end vehicles. The company operates as a direct lender offering two core finance products: Hire Purchase (HP) and Lease Purchase (LP), which are tailored to individual customer circumstances. These are supplemented by additional products including Equity Release, Auction Finance, Credit Line Finance, Restoration Finance, and Luxury Car Refinance. The company specializes in financing across multiple vehicle categories including Supercars (Ferrari, Lamborghini, McLaren, Aston Martin, Porsche), Classic Cars (40+ years old), Prestige & Luxury Vehicles (Rolls-Royce, Bentley, Range Rover), Electric/Hybrid Cars (Tesla, Porsche Taycan), Sports Cars, Racing Cars, and Professional Sports Finance. They work with numerous premium brands and have loaned over £1 billion to date, with lending ranges from £25,000 to £2 million+.
Differentiator
Problem solved
Functional benefit
Products and services
- Hire Purchase (HP) A traditional hire purchase contract allowing customers to pay for a high-end vehicle in monthly instalments over typically three to five years with a minimum 10% deposit, with ownership transferring to the customer at the end of the fixed term.
- Lease Purchase (LP) Similar to Hire Purchase but with a balloon payment deferred to the end of the agreement (up to 50% of the loan), enabling lower monthly payments. Customers can refinance the balloon or sell the vehicle to settle it while retaining any remaining equity.
- Equity Release (Sale and Hire Purchase) Allows customers to release equity tied up in their existing high-value vehicle (typically £100,000+) by selling it to JBR Capital and buying it back on a hire purchase agreement, providing cash without dipping into savings.
- Auction Finance Pre-approved finance arranged before car auctions, enabling customers to bid with confidence knowing funding is secured, with quick decisions and immediate fund availability upon successful bidding.
- Credit Line Finance A revolving credit facility providing pre-approved funds for customers who are searching for their next vehicle but have not yet decided on a specific car, enabling quick and decisive purchasing when the right vehicle is found.
- Restoration Finance Specialised financing for classic or historic car restoration projects undertaken by reputable workshops, covering cosmetic overhauls through to ground-up nut-and-bolt rebuilds, with staged payments and realistic fixed or variable rates.
- Luxury Car Refinance Refinancing solution for customers with existing finance on modern or classic cars valued over £75,000, enabling access to more competitive terms and benefiting from any increase in the vehicle's value.
- Professional Sports Finance Specialised financing tailored for professional sports players, addressing unique cash flow issues that athletes face when financing supercars and high-value vehicles.
- Car Finance Calculator Online finance calculator allowing customers to estimate monthly repayments based on vehicle marque, price, annual mileage, and term of agreement, supporting both Hire Purchase and Lease Purchase calculations via a three-step process.
Quantifiable outcome
- Most customers receive finance approval within one week
- +3 more outcomes
Companies that use JBR Capital
Customer profileNamed customers3 records
Segments4 records
Ideal customer profiles4 records
JBR Capital technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
JBR Capital partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered flagship and core.
- Supercar DriverflagshipPartnership uniting passionate supercar owners with the UK's only finance lender dedicated exclusively to high-end vehicle finance. Supercar Driver organizes events including the Michelin Secret Meet hypercar parade. Partnership in its tenth year.
- The IntercoolerflagshipMedia partnership connecting supercar enthusiasts with JBR Capital's specialist finance services. Joint marketing and content collaboration.
- DD ClassicscoreUK luxury car dealership partner providing vehicles for sale with JBR Capital finance options available.
- Targa FloriocoreUK luxury car dealership partner offering JBR Capital finance for their vehicle inventory.
- Dap CarscoreUK specialist car dealer partner with JBR Capital finance arrangements for their luxury and supercar inventory.
- Amari SupercarscoreUK supercar dealership partner providing vehicles with JBR Capital finance options.
- Redline Specialist CarscoreUK specialist car dealer partner offering JBR Capital finance for their luxury vehicle stock.
Scale indicators6 records
Recent moves6 records
Expansion highlights6 records
JBR Capital competitors and assessment
Company assessmentDirect peers
- Oracle Finance: UK-based specialist vehicle finance provider focused on prestige, classic, and high-value cars. Directly comparable to JBR's niche, customer base, and bespoke underwriting model.
- Classic & Sports Finance: Specialist UK financier for classic, vintage, and sports cars, with similar manual underwriting and high-net-worth customer focus. Closely overlaps JBR's classic and sports car products.
- Tuscan Finance: UK specialist car finance lender for high-value and prestige vehicles, including hire purchase and lease purchase products similar to JBR's core offerings.
Broad incumbents
- MotoNovo Finance: One of the UK's largest specialist auto finance lenders, serving a much broader credit spectrum. Overlaps JBR in vehicle finance products but does not focus on the high-end niche.
- Black Horse (Lloyds Banking Group): Major UK vehicle finance provider within Lloyds Banking Group, offering auto loans across the credit spectrum. Comparable product category but mainstream rather than specialist.
- Startline Motor Finance: UK motor finance provider serving dealers and consumers across prime and near-prime credit. Adjacent in product set but lacks JBR's high-end, manual-underwriting specialization.
- Alphera Financial Services: BMW Group's UK multi-brand finance arm offering premium vehicle finance. Comparable in targeting premium brands but operates as a captive OEM finance provider.
- Moneybarn: UK non-prime vehicle finance provider, owned by Provident Financial. Comparable product category (auto finance) but different customer segment and underwriting model.
Emerging players
- Oodle Finance: UK online car finance platform using technology-driven matching and underwriting. Partially overlapping customer base with JBR but focused on prime, mainstream segments.
- Velocity Motor Finance: Smaller UK specialist motor finance provider with growing presence in higher-value segments. Comparable in product type but at an earlier scale stage than JBR.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
JBR Capital social profiles
Digital presenceJBR Capital financial estimates
Financial estimateRevenue estimate
Valuation estimate
JBR Capital leadership team
Management profileNumber of profiles
Profiles6 records
JBR Capital funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
JBR Capital M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about JBR Capital
What does JBR Capital do?
JBR Capital is a UK specialist direct lender providing bespoke point-of-sale finance exclusively for high-end vehicles including supercars, classic cars, prestige and luxury cars, electric vehicles, and racing cars. Core products are Hire Purchase and Lease Purchase, supplemented by Equity Release, Auction Finance, Credit Line Finance, Restoration Finance, and Luxury Car Refinance, with lending from £25,000 up to £2 million per customer.
Is JBR Capital a public or private company?
JBR Capital is a private company. It is classified as corporate owned and is currently operating.
When was JBR Capital founded?
JBR Capital was founded in 2015. It employs 51 to 100 people.
Where is JBR Capital based?
JBR Capital is headquartered in London, United Kingdom, in the Europe region.
How does JBR Capital make money?
Four revenue lines are on record. Hire Purchase Finance is the primary driver. The others are lease Purchase Finance, equity Release and auction Finance.
Who are JBR Capital's main competitors?
Direct peers on record are Oracle Finance, Classic & Sports Finance and Tuscan Finance. Broad incumbents are MotoNovo Finance, Black Horse (Lloyds Banking Group), Startline Motor Finance, Alphera Financial Services and Moneybarn. Emerging players are Oodle Finance and Velocity Motor Finance.
Does JBR Capital have an API?
No public API is recorded for JBR Capital.
What industry is JBR Capital in?
JBR Capital's product category is Specialist Vehicle Finance. Its primary akta.pro industry code is FSABAAAB, Retail Lending (Personal Loans, Auto, Credit Lines), with a secondary code of FSAHAJAF, Direct Lending — Specialty Finance (Consumer/SME Lending Platforms). Its NAICS code is 52222 and its SIC code is 6172.