12 weeks
J$3,876
each week
Total to repay J$46,512, including J$15,012 interest and J$1,500 processing.
Startup microcredit · St. Ann
Clear terms for workers who need a short-term loan.
J&B Loans Mart is a startup microcredit office at Runaway Bay P.O., St. Ann. You see the amount, the weeks, and the instalment before you enquire. This website is a demonstration — it does not issue loans.
What you can expect
- Usual range
- J$10,000 – J$100,000
- Selective ceiling
- Up to J$500,000, not for every file
- Terms
- 12, 24 or 48 weeks
- Pay
- Weekly, fortnightly or monthly
- Demo flat rate
- 4.17% of the original sum, each week
- Processing fee
- J$1,500 once
Figures follow the office settings. They are an estimate, not an offer. The owner can change them from the staff demo without a developer.
A sample worker loan
J$30,000 estimated on a weekly pay cycle. Estimate only — open the calculator to change the amount.
24 weeks
J$2,563.50
each week
Total to repay J$61,524, including J$30,024 interest and J$1,500 processing.
48 weeks
J$1,907.25
each week
Total to repay J$91,548, including J$60,048 interest and J$1,500 processing.
How it works
01
Enquire
WhatsApp or the form. Tell us the amount, the term, and where you work.
02
Docs
ID, TRN, NIS, references, and two passport photos. We say exactly what is missing.
03
Review
A loan officer checks the papers and whether the instalment fits the pay cycle.
04
Decision
Yes, no, or a smaller offer. A live office would then sign and disburse. This demo does not.
Built for people who already earn a wage
Hotel, shop, hospital, school, site, and transport workers around Runaway Bay and the rest of St. Ann. If the instalment does not fit the pay, the right answer is a smaller loan or a no — not a bigger one.
Responsible lending
- Interest is flat on the original amount for the full term, and we say so before you apply.
- Late fees are a set sum per overdue week, shown up front. They are a demo placeholder.
- We are planning a Bank of Jamaica microcredit licence. We are not licensed yet.
- This preview does not disburse funds, collect savings, or give tax advice.