We sell homes that make life special.
Graham John is an estate agency that specialises in selling unique homes. They carefully select the properties they work with; selling only those that they think can be a special home for the right person or people. They understand that there is no one-size fits all and that every property they take on is special in its own way.
Graham John is the brainchild of long-established estate agent Matthew Ryde.
It is named in honour of his father Graham John Ryde, who died when Matthew was seventeen.
It was his father who instilled in Matthew the idea that it was important to find work that he loved, and for him that became estate agency. Putting people in homes that make them happy.
He has worked through good markets and bad, grown and learnt enormously and has found that one thing remains constant - the right home really can make life special.
Graham John’s philosophy is not to get you into a house that isn’t quite right for you. Nor do they sell your family home to the wrong person, or rush you into making decisions. They take each property as an individual case with its own unique quirks and charms. They match these to their buyers to make sure everyone is happy, long-term. That’s because they wan their clients to be for life, not just a sale. And because they care deeply about homes and what they can do for people’s lives.
Graham John provides a bespoke service with a personal touch.
Matthew Ryde, Managing Director, explained to us that Graham John was originally established to offer a unique service to those looking to sell their house. Whilst having many properties on their books, Matt explained that it was very difficult to project cash flow as it is extremely difficult to predict when a property will sell. Not only is it difficult to predict the sale, it is also difficult to predict the duration of the completion on the property.
Whether a property is on the market for 12 days or 12 months the cost of sale remains the same on a day-to-day basis. Money has to be spent on marketing a property, which may well be withdrawn from sale. Matt also explained that there are also seasonal cycles which impact on cash flow. It was for this reason Matt initially approached the team at Just Cashflow. Following a conversation with the team it was concluded that the ideal solution for Matt’s requirement was the Revolving Credit Facility (RCF) which would allow Matt to dip in and out as and when required to assist with the day to day financial commitments of running his business.
Since establishing the business, Matt has found the Just Cashflow RCF solution to be of great assistance as the business has grown. It has supported the business with the recruitment of great staff and the purchase of licenses require and other additional overheads. Matt commented that the RCF gave him “confidence in his cash flow”.
Whilst the business was originally established for private clients who wanted that extra service; at the end of 2017 Matt was approached and offered the opportunity to work with a corporate client. The client had researched Graham John and liked the levels of service they provided, therefore wanting their properties to be sold via such a well thought of, professional and knowledgeable estate agent; an agent who advises prospective sellers when it is a good time and bad time to sell; who advises what little changes can be made to their homes to make it a more desirable property to a prospective buyer and an agent who goes that extra mile as they believe homes make life special.
The opportunity to work with corporate client meant that as a business they had to operate in a different market and therefore there were new costs associated with working in this market place. Funding was required to develop a new marketing strategy. Several properties were being presented at any given time and whilst creating opportunities for Graham John, this resulted in additional expenditure and cash flow requirements. It was as a result of this expansion to the business Matt spoke with the team at Just Cashflow.
When he explained the situation and opportunities this meant for expanding his business the team suggested he utilised the benefits of Business Builder. Because of its malleable nature, Business Builder offers features such as payment holidays, early repayment without penalties and loan extensions can be worked into the design. It also allows customers to vary their payment terms and work their finances in line with their business needs. As a result of the corporate opportunity and the benefits of Business Builder, Matt explained he has doubled the number of sales compared to the same time last year.
Matt commented, “The decision to proceed with the new corporate client and Business Builder was a strategic and difficult decision. I still wanted to retain the private clients, being the core of our business, but the opportunity to take on the corporate clients would help us to develop and grow the business.”
He went on to say “Business Builder has allowed us to expand our business without cutting standards and levels of service – these have been maintained. This is important to us as we have grown the business organically and our business is based on recommendation.”
When asked about working with Just Cashflow Matt said that he had found the service really good. Everyone he had dealt with was very helpful and knowledgeable. He had experienced a few occasions where the process was possibly not explained fully and a little confusing, most likely due to Matt being distracted he admits, however, this was dealt with immediately. Matt went on to explain that he had a very good relationship with Just Cashflow, especially when he compared it to the relationship he has with his bank, noting he can no longer talk to a human that knows him or his business.
Matt commented, “When I speak to the team at Just Cashflow I feel like I can speak with someone who is actually interested in me and my business. No tick boxes etc. like I experience with the bank. I find that the banks are no longer approachable.“ He went on to say that “the decision process at Just Cashflow is fast. I approached my bank to extend my overdraft and was told it would be 6 months before they would even review it and it was for this reason I approached Just Cashflow.”
When asked if he would use Just Cashflow again, Matt commented “Definitely! Both the RCF and Business Builder have been crucial to our business growth. Both are easy to use and work with our business requirements. All the team at Just Cashflow have been professional and helpful and I receive a service I don’t get from my bank.”Who have we funded?
Are you eligible? See below.
Our phone lines are open 9.00am to 5.30pm Monday to Thursday and 9.00am to 4.30pm on Friday.
Our team will be in touch.
Insights is Just Cashflow's online resource and information centre for ambitious growing businesses.
It offers inspirational profiles, expert knowledge and more, backed up by a range of briefings, checklists and other information that we hope will help you to develop your business.
Our phone lines are open 8.00am to 5.00pm Monday to Thursday and 8.00am to 4.00pm on Friday.
By clicking submit I agree to Just Cash Flow PLC contacting me.
Just Cashflow provides an innovative range of funding solutions for UK businesses. We look at the profile of a business, the Directors, Partners or business owner then provide the Facility based on its business activities. This gives business owners the immediate influx of capital they need.
Yes, you can. We welcome applications from these types of business subject to the application for certain statutory exemptions applicable to loans to individuals.
Applicants must be over 18 years of age, be a Sole Trader, Director or Partner of a limited company or LLP respectively, UK residents, and the designated parties must have online access to the main business current bank account. We may ask, if available, for management accounts, cash flow forecasts and filed accounts for the business. In essence, the more information the better.
For LTD companies the business needs to have been incorporated in the UK and all businesses will have sufficient revenue income to cover interest repayments.
Finally, we carry out a credit check on the business as part of our sophisticated underwriting system. Just Cashflow is only interested in lending to businesses that we believe can afford a flexible funding solution without undue financial stress.
Our Customer Account Managers will review all cash flow projections, management accounts and other relevant information provided. They will then contact you to further discuss your application and advise you of the lending decision process. In the interests of speed all document are issued by e sign process.
Applicants will receive an e-mail within a few days stating whether they were successful or not. If approved, the requested funds will then be released.
A decision will be made on average within 3 working days, subject to information provided.
The speed of receiving funds depends on how quickly we receive the application and supporting information. The quicker we receive this, the quicker the process will be.
All data is maintained within a secure environment and protected in accordance within ICO guidelines . Our ICO registration number is ZA008775.
The data may also be shared with other companies associated with Just Cashflow, but will not be shared with other third parties without your consent.
We carry out a credit check on the business, the Directors of LTD companies, partners of LLPs or the business owners of Sole Trading Enterprises as part of our decision making process. These checks are only undertaken once we have received approval from all parties concerned.
We have partnered with Equifax , the most advanced reference checking system in the UK. The business should not worry about its credit history. We are traditional lenders who look at the long term sustainability of a business venture.
At Just Cashflow, we look beyond the immediate financial future of the business. The business credit score is just one of the decision factors we use. We also believe in honesty and trust.
Just Cashflow is here to help, but we need applicants to help us by providing as much accurate information as possible.
We will conduct regular appraisals of the business, Directors of a Limited company and the business owners of Sole Trading Enterprises, credit rating with our partner, Equifax.
This will be used to provide guidance and support to the business. It will also help to identify any debt issues within the business.
The Facility is provided at a range of 0.05% - 0.4% daily interest rate on the outstanding balance subject to application status and security provided. The interest is collected weekly in arrears.
This is not a business loan and should not be viewed as such.
The Facility is subject to an arrangement fee. This only applies to successful applications. The fee structure is agreed at the outset and clearly explained in the offer letter. The fee is payable on first draw down of the Facility.
There is also a daily charge of interest of between 0.05% - 0.4% calculated on the outstanding balance where the rate is subject to application status and security provided.
This is a Just Cash Flow PLC Revolving Credit Facility which is provided with a Credit Limit to be used in connection with the Facility Terms and Conditions.
This is not a 'loan' account and does not have a fixed repayment agreement. The facility is provided for a fixed term and is repayable on demand during this period subject to the Facility Terms and Conditions.
The Just Cash Flow PLC Revolving Credit Facility will accrue interest which is applied to the servicing account and is payable weekly as per the Facility Terms and Conditions. Please refer to the Facility Terms and Conditions for full details of interest payments.
Payments towards reducing the outstanding balance on the Facility can be made at any time to the account without any penalty. As the Facility is revolving, the agreed credit limit will not be affected.
Failure to repay the interest instalment on time will result in the Facility being suspended.
Just Cashflow will make every effort to understand why this has happened. We will also work with the business to resolve the situation, to the mutual benefit of all parties. However, if we are unable to reach a mutually satisfactory arrangement and can't recover the money over a reasonable period, the account may be passed to an external partner. Our external partner will attempt to recover the funds from the business and from any personal guarantors.
You can access myCFP here or from the link in the footer.
Do not hesitate to contact a member of our dedicated support staff on 0141 301 1022
We are here to help and office hours are Monday through Friday from 9.00am – 5.00pm. We can also be contacted on Customer Care or alternatively go to myCFP where you can request a draw down of funds from your Revolving Credit Facility.
Please note that we will issue you with a weekly notification email which contains your current balance, details of your interest charge and also your current Revolving Credit Facility borrowing limit. We ask that you make payment of the weekly interest every Wednesday.
We would be happy to set up a Direct Debit to take the worry out of remembering to pay the weekly interest or alternatively you can make the payment by bank transfer using the account details in your weekly notification email.
We also offer you the ability to contact the office and make a card payment if that would be more convenient for you.
To pay down your balance then please use the bank transfer.
Any of the above solutions can be used.
It is an alternative to a traditional bank business loan.
Facilities are available from £10K to £1M with a fixed interest rate of 1.95% pcm (subject to status and security provided) charged on a monthly basis and a maximum 12 month term.
There are a number of factors which can affect the rate, such as status and the potential for payment holidays. a clear figure will be given once an application has been made.
However, an indication would be for a £10K 36 month term straight-line repayment would return a representative APR of 24.909% and a £10K 60 month term straight-line repayment would return a representative APR of 24.399%
The BusinessnBuilder Loan is provided at a monthly interest rate on the outstanding loan balance subject to application status and security provided. The interest is collected monthly in arrears.
This is a business loan and should be viewed as such.
The Business Builder is subject to an arrangement fee. This only applies to successful applications. The fee structure is agreed at the outset and clearly explained in the offer letter.
Yes. This is a Just Cash Flow PLC Business Builder Loan which is provided with a Credit Limit to be used in connection with the Facility Terms and Conditions.
This is a 'loan' account and does have a repayment agreement. The facility is provided for a fixed period and is repayable on demand during this period subject to the Facility Terms and Conditions.
The Just Cash Flow PLC Business Builder Loan has a fixed interest rate and Capital & Interest are payable monthly as per the Facility Terms and Conditions. Please refer to the Facility Terms and Conditions for full details.
Yes. This is a Just Cash Flow PLC BusinessBuilder Loan which is provided with a Credit Limit to be used in connection with the Facility Terms and Conditions.
The Just Cash Flow PLC BusinessBuilder Loan has a fixed interest rate and Interest and Capital are payable monthly as per the Facility Terms and Conditions. Please refer to the Facility Terms and Conditions for full details.
No save for the VAT loan which is specific. Otherwise early repayments can be made to the account at any time without any penalty.
Yes, subject to status.
Payments towards reducing the outstanding balance on the Facility can be made at any time.
This is a business loan and does have a fixed monthly repayment amount. Payments can be made to the account without any penalty. As the Facility is fixed, the agreed credit limit will not be affected
Please note that we will issue you with a notification email which contains your current balance.
We would be happy to set up a Direct Debit to take the worry out of remembering to pay the montly interest and capital repayment.
To pay down your balance then please use the bank transfer.
A 12 month funding solution for property professionals giving them access to funding to support the growth and development of their portfolio.
The facility is over a 12 month term with an option to renew subject to status.
Up to 80% Loan to Value based on the most recent valuation or purchase price when taking into consideration prior mortgages.
Daily interest rates from 0.041% which is equivalent to 1.25% per month.
Latest Year End Accounts / Management Information.
Last 6 months bank statements.
Confirmation of current HMRC liabilities.
Details of the Property Portfolio / Rental Income Stream (if applicable).
Property Investment experience is essential and CV’s may be required.
Details of the security to be offered with be required, including the latest valuations.
Daily or monthly.
Security in the forms of:
1st / 2nd Charge(s).
Cross Corporate Guarantees may be required.
A loan solution from £10k upwards helping you pay your current VAT bill on time.
No. The loan you are applying for is for your immediate VAT liability. We will review your application based on the information you supply to us.
The VAT loan is for 3 months. You can agree to make weekly or monthly repayments.
The loan with be paid to HMRC direct on your behalf. You will need to supply us with your Unique Taxpayer Reference (UTR) number
You will need to inform us of this arrangement and its status as part of your application. If there is a history of time to pay arrangements, it will have an influence on the decision of your application.
You will be required to make repayments via Direct Debit. These payments will be either weekly or monthly dependent upon your choice and dependent upon the cashflow cycle of the business.
You will need to provide the following:
Up to date HMRC information.
Last 3 months bank statements.
Latest unabbreviated annual accounts.
Aged Debtors and Creditors list.
Interest is charged monthly from 1.5%
Payments towards reducing the outstanding balance on the Facility can be made at any time.
This is a business loan and does have a fixed monthly repayment amount. As the Facility is fixed, the agreed credit limit will not be affected
Purchases of commercial property and major plant and machinery are subject to VAT.
A loan solution from £10k upwards which allows you to pay your VAT element on your purchase and give you the time to reclaim the VAT from HMRC.
The loan term is a maximum of 6 months
Latest annual accounts inc P&L and Balance sheet.
3 months bank statements.
Up to date HMRC information.
Aged Debtors and Creditors.
Heads of Terms.
Solicitors contact details.
Details of other lenders.
Confirmation of purchase price and VAT payable.
Payments can be made weekly or monthly depending upon which you chose and are via Direct Debit.
Yes you choose the frequency of the repayments.
Interest is charged Daily from 0.075% on an unsecured basis and 0.05% on secured. Subject to status
Yes you can repay the loan at anytime within the 6 month term (minimum 3 months interest charge).
An e-mail provider may mistake our confirmation e-mail for spam. Check the spam or junk folder. If it's there, be sure to add that e-mail address to the address book.
Weekly reminders are sent from Just Cashflow so the business remembers to fill in its weekly Cash Flow Position. By signing up to the Facility, the business agrees to receive weekly updates from us.
We pride ourselves on outstanding customer service. So if, for any reason, the business is unhappy with this service, please tell us.
We hope it never comes to this, but if the business is still unhappy after discussing the matter with us, a complaint can be made to Customer Care and any complaint will be dealt with within 4 working days. If your complaint is particularly complex, it may take longer to investigate.
If you feel we have mishandled your data, please contact the ICO .
If you have failed a security check or you see an error-0.
Please reload the form by refreshing your browser and try again.
Do ensure you are accepting cookies as we use security that relies on you accepting cookies from our site.
If you are still having problems then please contact us.
These Terms and Conditions are important and form part of the legal agreement between you and us. Please ensure you read and understand the contents detailed below.
We go to great efforts to simplify matters for you and to avoid using banking or legal jargon. There are some matters in this document, however that have to be phrased in a particular way to ensure that we set out the correct legal position to you.
If you don’t understand what any of those terms or conditions mean you should speak to your legal adviser before you accept any offer that we make to you.
These Terms and Conditions and the Facilities to which they apply.
These Terms and Conditions apply to your Facility Agreement (as we define that term below). It is your responsibility to ensure that anyone entering into the Facility Agreement (including the Guarantor, if there is one) reads and retains a copy of these Terms and Conditions for future reference as they contain binding arrangements between you, them and us.
These Terms and Conditions will apply from the point in time at which you sign and return your Facility Agreement to us. Once you have accepted the offer contained in your Facility Agreement you will be legally bound to comply with these Terms and Conditions.
These Terms and Conditions apply to the facilities which we list below (the Facilities or the Facility). Your Facility Agreement will detail the particular type of facility that you have been offered and any specific terms that apply to it. The types of facility that we offer and to which these Terms and Conditions will apply are:
The above examples are not intended to be exhaustive and these Terms and Conditions may be used to apply to other types of facility that we may offer from time to time.
If you have previously entered into a Facility Agreement with us that relates to one of the above types of Facilities, these Terms and Conditions will apply from the Commencement Date (as that term is defined in your Facility Agreement) and, from that point, any previous terms and conditions applicable to your Facility Agreement will cease to be of effect. For the avoidance of doubt any liabilities owed to us under any Facility Agreement at that point will continue to be outstanding until discharged in full by you.
In the event there is any conflict between the terms of any Facility Agreement and these Terms and Conditions the provisions of your Facility Agreement will prevail. In all other respects these Terms and Conditions will govern each type of Facility issued.
They can be found at https://www.just-cashflow.com/termsThe use of the term ‘JLG’ or ‘we’ throughout these terms and conditions will be equally applicable to facilities issued by Just Cash Flow PLC and Just Bridging Loans PLC.
We may from time to time change, vary or supplement these Terms and Conditions. We will notify you of any such changes by email. From the date of that notification, all Facility Agreements will be governed by the then changed Terms and Conditions.
If you apply for credit and are declined we operate a transparent credit appeals process which we will make available to you. All decisions to decline formal applications for credit to business borrowers are subject to assessment. If upheld, the decline decision and reason(s) will be communicated to you verbally and in writing.
|Period||Projected Interest Cover|
|The date of our notice served pursuant to clause 10.1 to the anniversary of the date of this agreement||110%|
|Thereafter (if applicable)||120%|
|Account set up costs||Within the arrangement fee|
|Registration of debenture||Within the arrangement fee|
|Standard correspondence with customer||Within monthly management fee (if applicable) or otherwise at £25 per event|
|Standard telephone calls with customer||Within monthly management fee (if applicable) or otherwise at £25 per event|
|Extension of the RCF||Either by reference to the arrangement fee for the extension, or a fixed fee of £250, whichever is the greater|
|Payment request processed manually||£100|
|Non DD payment processed||£25|
|Request for external valuation||Cost plus admin fee of £100|
|Administration of overpayments||1% of the overpayment or £100 whichever is the greater|
|Non-payment to an RCF account for a period exceeding 10 days||£150|
|Non-payment to an BB / BA account for a period exceeding 40 days||£150|
|Solicitors costs in recovery proceedings||Issue fee and fixed costs per court allowance; solicitors costs as assessed if not agreed|
|Application for order for sale||Issue fee and fixed costs per court allowance; solicitors costs as assessed if not agreed|
|Enforcement of order for sale||Issue fee and fixed costs per court allowance; solicitors costs as assessed if not agreed|
|Removal of debenture||£25.00|
|Release of securities||£50 per instrument|
The APR is the annual rate charged for borrowing and is expressed as a percentage that represents the actual yearly cost of an unsecured loan up to £25,000 over its term. This applies to Just Cash Flow PLC’s fixed term loans as well as our revolving credit facilities. The calculation includes any fees and costs associated with the transaction (if any) and compounding of interest.
APR example for a Revolving Credit Facility for £10,000 over 1 year:
|Monthly Management Fee||Arrangement Fee||Total interest compounded||Total cost of credit||On this basis the APR will be:|
Please note that
The Representative APR (variable) is based on the interest rate we reasonably expect 51% of our customers taking out a loan will pay. In respect of a loan product advertised as ‘27.375% Representative APR (variable)’, this means that 51% of accepted applicants will have an APR of 27.375% and up to 49% will have a different (probably higher) rate.
In the same example of a Revolving Credit Facility for £10K over 1 year with those same costs, Just Cash Flow PLC indicates that its Representative APR is 27.8% being our best estimate of take up, at the advertised rates, of 51% of our customers.
Both the APR and Representative APR (variable) are published so that applicants for our products can conveniently draw comparisons with similar products on offer by other lenders.