Jersey Lender Compliance Form
When lending counts as Schedule 2 business, the 20 duties a registered lender must meet, how a company differs from an individual, and a form to record how each duty is met.
Open the formBuild a portfolio across every deal you lend on, and manage your documents in one place. MaxMyCash keeps each participation in one book: capital, rate, how interest is paid, when it ends, what it earns you, and the paperwork behind it.
Built from real co-lending paperwork: facility agreements with several tranches, interest reserves, extensions and restatements. It records what the documents say, so you are not piecing it together from email threads.
Drawdown date, extensions and restatements, and a countdown to maturity. See what ends this month and what has run past its date.
Each participation on one line, with total lent, average rate weighted by capital, annual income and yield for the whole book.
Facility agreements, extensions, certificates of title, valuations, insurance and KYC, filed against the loan they belong to, so the latest terms are always to hand.
Lend in your own name, jointly, or through a company? Each holding gets its own capital and income totals.
Interest is accrued day by day across calendar years, ready for the tax return. Future years show as projections.
Record the charge, its ranking, guarantors, valuation and covenants against each loan, with notes on every change.
Enter the terms from the offer. The figures use simple interest on an actual/365 basis, the convention in most private facility agreements.
Rolled-up interest compounds annually in many agreements. This calculator shows simple interest, so check your document.
Published GBP rates for reinvesting your income. Click a rate to use it in the calculator.
Three steps, and you only do the first one once per loan.
Enter your capital, rate, payment frequency, drawdown date and term, and say whether it is held in your name, jointly or by a company.
Totals, average rate, annual income and yield update straight away, with each loan's countdown to maturity.
When a loan is extended, restated, transferred or repaid, update it in a minute and file the new document with it. The history stays with the loan.
Built by a former City interest-rates professional who lends alongside other private co-lenders, and wanted one clear view of every loan.
MaxMyCash started as a personal loan book and grew from there.Working documents for private lenders and co-lenders in Jersey and Guernsey. Each opens as a live document you can read, fill in or download.
When lending counts as Schedule 2 business, the 20 duties a registered lender must meet, how a company differs from an individual, and a form to record how each duty is met.
Open the formOne form for private clients and one for companies, covering everything six Jersey and Guernsey banks ask for, with a document checklist.
Open the formsLending "as a business" in or from Jersey is Schedule 2 business under the Proceeds of Crime (Jersey) Law 1999. It must be registered with the JFSC before any money is lent. There is no minimum loan size or number of loans.
Since 3 September 2025 a lighter regime applies when the lender and every borrower are Jersey-resident, the lender does not advertise, and all money moves through a Jersey bank. The lender still registers, carries out due diligence and assesses each borrower's risk. It does not need officers, full policies or staff training, and pays no annual fee.
Guidance only, not legal advice, based on JFSC guidance and Jersey law as at 29 October 2026. Confirm your own position with the JFSC or a Jersey lawyer.
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