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 formCapital at risk. Private lending is not a savings account and is not covered by deposit protection. You may not get back what you lend.
Private lending, kept in order
Build a portfolio across every deal you lend on, and manage your documents in one place. MaxMyLending keeps each participation in one book: capital, rate, how interest is paid, when it ends, what it earns you, and the paperwork behind it.
What it tracks
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.
Coupon calculator
Enter the terms from the offer. The figures use simple interest on an actual/365 basis, the convention in most private facility agreements.
—
How it works
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.
How loans are offered
Each loan comes to you as an email with its documents attached as PDFs. You decide whether to take part and how much to lend, then every loan you hold is tracked in your MaxMyLending loan book alongside your other cash.
Borrower, purpose, amount, rate, term and how interest is paid
The main terms of the loan and the conditions before drawdown
An independent valuation of the asset used as security
The legal loan agreement between lenders and borrower
The charge over the asset and any guarantees
Your share of the loan, in your name, jointly or through your company
Request access. When we open your account you receive an email to set your password, and your own private loan book is ready.
See every loan you already hold in one place: capital, rate, how often interest is paid, days to maturity, annual income and the PDFs for each loan.
Each new loan is sent to you by email with a summary and the loan documents as PDFs.
Look at the borrower, the asset and its valuation, the loan-to-value, the rate and the term, and how the loan fits alongside your existing portfolio and your level of risk.
Reply with the amount you want to lend and whether you lend in your own name, jointly or through your company. Sign the documents and send your funds by the drawdown date.
Upload the loan and its PDFs to MaxMyLending. It joins your portfolio beside your deposits and funds, and you can see when it is due to repay.
Request access. When we open your account you receive an email to set your password, and your own private loan book is ready.
See every loan you already hold in one place: capital, rate, how often interest is paid, days to maturity, annual income and the PDFs for each loan.
Each new loan is sent to you by email with a summary and the loan documents as PDFs.
Look at the borrower, the asset and its valuation, the loan-to-value, the rate and the term, and how the loan fits alongside your existing portfolio and your level of risk.
Reply with the amount you want to lend and whether you lend in your own name, jointly or through your company. Sign the documents and send your funds by the drawdown date.
Upload the loan and its PDFs to MaxMyLending. It joins your portfolio beside your deposits and funds, and you can see when it is due to repay.
Who it's for
Built by a former City interest-rates professional who lends alongside other private co-lenders, and wanted one clear view of every loan.
Documentation
Working documents for private lenders and co-lenders in Jersey and Guernsey. Registered MaxMyLending users can read, fill in or download each one.
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.
Request access to MaxMyLending and we'll set up your account. Leave your details and we'll be in touch, usually within one working day.