Who is JBR Capital?
The UK's Specialist Supercar Lender
JBR Capital is funded through a regulated facility with Shawbrook Bank and has built its entire lending proposition around high-value, low-volume exotic vehicles that high-street lenders will not touch. Where a mainstream bank sees a depreciating asset with an illiquid secondary market, JBR Capital sees a Ferrari 488 Pista with strong residuals, an established auction market, and a buyer pool of affluent enthusiasts.
That specialism matters when you are arranging finance for a £300,000 McLaren 720S or a limited-edition Lamborghini. Mainstream lenders cap out at £100,000–£150,000 and apply generic depreciation curves. JBR Capital underwrites to the specific vehicle, understanding Prancing Horse and Raging Bull residual values, model-by-model desirability, and the collector market for limited editions.
JBR Capital Supercar Finance Rates - October 2026
Rates shown are representative starting points for prime credit applicants. Your actual rate depends on vehicle, credit profile, deposit, and term. All rates are subject to status.
| Vehicle / Structure | Finance Type | From APR | Min Deposit | Max Term | Notes |
|---|---|---|---|---|---|
| New Supercar | Hire Purchase (HP) | 5.9% | 20% | 5 years | Prime credit; full ownership at end |
| New Supercar | Finance Lease / PCP | 5.4% | 20% | 4 years | Lower monthly; GFV/balloon at end |
| Used Supercar (0–3 yrs) | Hire Purchase | 6.5% | 20% | 5 years | Strong residuals; flexible deposit |
| Used Supercar (3–8 yrs) | Hire Purchase | 7.2% | 25% | 4 years | Vehicle condition & mileage reviewed |
| Limited Edition / Investment Car | Bespoke HP / FL | from 6.5% | 20–30% | 5 years | Individually structured per vehicle |
| Classic Car (pre-1990) | Hire Purchase | 7.5% | 30% | 3 years | Specialist valuation required |
APR figures are representative starting rates for prime credit applicants with 20–30% deposit. Actual rates subject to individual assessment. Rates correct at time of publication and subject to change.
JBR Capital vs. the Competition
JBR Capital dominates the specialist supercar finance market but is not the only option. Here is how they compare against other lenders your broker can access for the same vehicle types.
| Lender | New HP From | Used (0–3yr) HP | Used (3–8yr) HP | Max Loan | Company Purchase |
|---|---|---|---|---|---|
| JBR Capital Panel Pick | 5.9% | 6.5% | 7.2% | £5m+ | Yes (SPV/Ltd) |
| Aldermore Prestige | 6.2% | 6.8% | 7.5% | £2m | Yes |
| Investec Private Finance | 6.5% | 6.5% | 7.0% | £3m+ | Yes (private client) |
| Mann Island Finance | 6.8% | 7.5% | 8.5%+ | £500k | Limited |
Representative rates. Investec Private Finance is best suited to high-net-worth private clients with existing banking relationships. Mann Island specialises in adverse credit and near-prime supercar cases.
Where JBR Capital Excels - and Where It Doesn't
Strengths
- Funds through Shawbrook Bank regulated facility - creditor protection applies
- Accepts low-mileage supercars and limited-production models
- Understands Ferrari, Lamborghini, McLaren residual values and model scarcity
- Will fund investment-grade and appreciating vehicles
- Company and SPV purchase available - unlike most manufacturer schemes
- Maximum loan £5m+ - can handle hypercar transactions
- Adverse credit considered case-by-case at higher LTV
- Any authorised dealer, specialist dealer, or private sale
Less Suited To
- Very high mileage exotic vehicles (subjective threshold per model)
- Track-only or non-road-registered cars
- Heavily modified vehicles - especially engine or chassis changes
- Vehicles without UK registration history
- Grey imports without proper homologation documentation
- Barn finds or project cars without recent valuation