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We're JustUs

Lee Birkett CEO and Founder created JustUs.co to provide a customer-centric world of peer-to-peer lending, where we have been ahead of the Consumer Duty curve seen in the traditional financial landscape by putting our customers first and foremost.

At the heart of our philosophy lies a powerful belief in empowering individuals to take control of their finances, while we, as a platform, serve as the catalyst for democratising savings and loans.

At JustUs.co, we stand with the Consumer Duty which is to change the archaic and opaque practices of greedy banks that have prioritised their profits over the well-being of their customers. From the very beginning we have embraced the disruptive spirit of peer-to-peer lending to eliminate the middleman, stripping away unnecessary barriers, and fostering a transparent and accessible financial ecosystem.

Our corporate culture thrives on the following core principles:

  • Customer-Centric Approach: Our customers are the foundation of our existence. Every decision we make revolves around their needs and aspirations. We are committed to delivering an exceptional and personalised experience, where each interaction reflects our genuine care for their financial well-being.
  • Transparency and Trust: We understand that trust is the backbone of any successful financial relationship. That's why we maintain complete transparency in all our dealings. From the terms of loans to the interest rates and fees, our customers have always had full visibility, ensuring they make informed decisions.
  • Financial Inclusivity: We firmly believe that access to credit and savings should be democratised. Our platform embraces individuals from all walks of life, regardless of their financial background. By opening our doors to a diverse community, we promote economic empowerment and growth for everyone.
  • Empowerment through Technology: Our cutting-edge technology is the enabler of this financial revolution. We harness the power of innovation to provide a seamless and secure lending and borrowing experience. Our user-friendly interface ensures that customers can navigate our platform effortlessly.
  • Safety and Security: We take our customers' security seriously. Implementing robust security measures and exceeding industry standards, we safeguard their personal and financial information, instilling confidence in every transaction.
  • Constant Improvement: As pioneers in the peer-to-peer lending space, we continuously challenge ourselves to raise the bar. Through ongoing research and personal customer feedback, we evolve our offerings, seeking opportunities to enhance the customer journey.

At JustUs.co, we are not just another financial platform; we want a more equitable and customer-centric financial world. Our mission is to empower individuals, facilitate dreams, and drive positive change through peer-to-peer lending. Together, we are reshaping the financial landscape, making it fairer, more accessible, and, most importantly, focused our valued customers.

Consumer Duty

The JustUs journey to date.

January 2024

£30million loan book exceeded with no capital loss record still intact from inception.

October 2022

£20million loan book exceeded (still without a capital loss to any of our lenders).

June 2021

Application for variation of permission for mortgage arranging commences for the JustUs Peoples Mortgage.

June 2021

Bank of England announces consultation feedback on Global P2P Central Bank Digital Currency as "safer money".

May 2021

JustUs P2P technology powers Crypto crowdfunding platform Koodoo Global.

April 2021

UK Government Future Fund, Epiphany Capital and Crowdcube complete £1.3M fund raise.

November 2020

JustUs P2P technology opens up as API into Global Payment App of moneybrain.com.

June 2020

Small Business Interruption Loan Scheme (SBILS) Built for post-Covid crowdfunding.

February 2020

Bank of England proposes consultation on global P2P Central Bank Digital Currency.

January 2020

JustUs breaks £10M in lending.

June 2019

JustUs benefits from a new regulatory framework which allows it to vary it's permissions to provide residential mortgages.

February 2019

£5million loan book exceeded (without a single penny loss of capital to our lenders).

February 2019

First JustUs pension lender accounts (SASS) deposited via intermediary portal. Long term investment capital now being received to fund mortgages and loans.

July 2018

FCA crowdfunding consultation CP18/20 proposes new regulatory vertical for P2P "Home Finance Platforms". JustUs sets product delivery roadmap underway.

May 2018

Intermediary investment portal BETA launch for Wealth Managers and Family Offices.

April 2018

JustUs transfers all business banking accounts to New Barclays Bank UK PLC (ring-fenced bank) for increased client money protections.

April 2018

JustUs ISA launched to the Intermediary Market.

January 2018

JustUs applies to the FCA regulatory sandbox to include JustUs Home Finance Products, AKA P2P residential mortgages as a new product.

December 2017

First JustUs ISA opened together with first loan funded from tax-free accounts

September 2017

JustUs receives full HMRC ISA Manager status.

August 2017

JustUs receives full FCA authorisation

June 2016

JustUs brand launched and JustUs ISA terms outlined.

Series A Fund raise offered to capitalise on the JustUs first mover advantage.

April 2016

The Budget passes law for the introduction of the Innovative Finance ISA. (IF-ISA)

March 2016

eMoneyHub Limited successfully close a fourth round of fundraising. Investors include a strategic Chinese investor active in the Asian P2P marketplace and the former Global Principal of Google's financial comparison team.

January 2016

eMoneyDirect Limited becomes fully authorised by FCA.

October 2015

£1million loan book exceeded.

July 2015

eMoneyHub Limited successfully close a third round of fundraising. Investors include Sir John Hegarty who also commits his advertising and branding team to partner with eMoneyHub Limited in respect of the rebrand of eMoneyHub Limited and creation of 'JustUs'.

March 2015

eMoneyHub Limited successfully close a second round of fundraising.

September 2014

HMRC approve eMoneyHub Limited shares for EIS tax relief.

April 2014

FCA grant interim permissions for:

eMoneyHub Limited to operate Peer to Peer Lending and Debt Administration.

eMoneyDirect Limited to act as a credit intermediary/broker and receive commissions.

March 2014

eMoneyHub Limited successfully close an oversubscribed seed round on Crowdcube platform attracting 100 new investors.

March 2014

eMoneyDirect Limited launched as part of the group.

July 2013

eMoneyHub Limited launch beta site to test lender and borrower appetite.

July 2012

The Company eMoneyHub Limited, trading as eMoneyUnion.com is founded by Lee Birkett.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED AGAINST IT. IF YOU ARE THINKING OF CONSOLIDATING EXISTING BORROWING YOU SHOULD BE AWARE THAT YOU MAY BE EXTENDING THE TERMS OF THE DEBT AND INCREASING THE TOTAL AMOUNT YOU WILL REPAY.