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SME Charter

JCB Finance Ltd is a signatory of the SME Charter, which was launched on 9 October 2019 by the Secretary of State for Business, Energy and Industrial Strategy.

Our commitments include:

1. We’re open for business and ready to lend.

JCB Finance has been consistently providing asset finance for Customers (SME’s – including Sole Traders & Partnerships) in the construction, agricultural and industrial sectors for 50 years.

2. We’ll help customers grow sustainable businesses to support the UK economy in the long term.

JCB Finance have been enthusiastic lenders come rain or shine.

3. We’ll support your application and signpost other options if needed.

A national field force, in touch with local needs and conditions, bring you state of the art finance options at the point of sale. With a direct sales team in our head office, you will always be able to get in touch with someone who can quickly calculate a range of options over different periods from which you can make your selection.

We participate in the Government Referral Scheme which is a platform to match your business needs with other suitable lenders.

4. We’ll treat you fairly at all times.

Our aim is to ensure that our Customers benefit from our 50 years of knowledge and experience in the construction, agricultural and industrial sectors. We will always focus on meeting the needs of our customers and treating them fairly.

We are regulated and authorised by the Financial Conduct Authority (No. 708332) and are members of the Finance & Leasing Association (FLA) which is the UK’s leading trade association for the asset, consumer and motor finance sectors in the UK. JCBF adheres to the FLA’s Business Finance Code which sets out high standards they expect from our members in their dealings with all customers.

Click to check out our Customer Charter

5. We’ll work with the government-owned British Business Bank to support SMEs.

The British Business Bank is dedicated to making finance markets work better for small and mid-sized businesses. For further details please visit the BBB’s Finance Hub ( and Business Finance Guide (, which offer information on finance options.