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Company Profile

First Union Financial Company Limited was incorporated in 1999 as a limited liability company that provides financial assistance to employees and entrepreneurs. To date, the company mainly operates in the micro-financing sector with two distinct portfolio streams:

  • Small Business Loans
  • Personal Loans

Our business loans are geared towards small businesses such as: informal enterprise, sole proprietor, partnership and limited liability. Although we concentrate on established businesses, we do accommodate some startup businesses, even though the risk is greater. Our emphasis however, is placed on developing existing small businesses.

We provide loans to individuals, mainly employees of stable companies which facilitate repayments through salary deductions. This programme is (First Union Financial Assistance Programme) designed for Government employees and specific employees within the private sector.

We continue to make effort to place our agents and branches in strategic areas of Jamaica so as to make our services available to small businesses and employees alike. Our Field Credit Officers mobilize so they can make the necessary visit to entrepreneurs who are not able to visit our branch network.

Do not sit around waiting for an opportunity to come to you. Start a small business and we will assist you with its expansion. Make no mistake with your future. You will get the financial freedom you deserve, if you try.  Yes, you can do it!

We are awaiting you and your family to come in to one of our branches for your small business or personal loan.

You can enjoy financial freedom. 

Responsible Borrowing

Everyone needs a little extra money now and then to pay bills or cover unexpected expenses. But without debt management experience or proper debt planning, a family can soon find themselves in a spiral of debt. Whether it’s making minimum payments on your credit cards or taking your valuables to a pawnshop, being stuck in the debt cycle can cause damage for years to come.

One rule of thumb is that debt should not exceed 20 percent of your take home pay. Another way to handle debt is to set a threshold—for example, no more than 40 percent total debt ratio (all debts divided by take home pay). The key is to know how much debt is reasonable and set a plan to give you a better chance of lowering it.  


  • Carbucks

    Under our Carbucks Programme, you can get the cash you need in a hurry by using your Motor Vehicle Title. This can be used for your Taxi Service Business, Personal uses or any issues that are important to you. We also provide financing for new or used Motor Vehicle that is expected to be used in your business. Up to four Million Dollars ($4,000,000) is allowed under this programme . More

  • Personal Financing

    Under our Employee Financial Assistance Programme, we have instituted two methods that are helpful to employees who are interesting in taking out loans for personal reasons. As such, we have no need to ask our customers their reason for taking a loan. More

  • ComFin

    Under our Comfin programme, we will assist you with the Financing of a Motor Vehicle for commercial use and new Business Machinery of up to Three Million Five Hundred Thousand Dollars ($3,500,000).

  • PPV Plus

    Under our Public Passenger Vehicle Plus programme we will assist with the financing of a Motor Vehicle to add to your fleet. Up to Three Million Five Hundred Thousand Dollars ($3,500,000) is alllowed under this programme.

  • Micro Business Financing

    Entrepreneurs can access financing up to a maximum of two hundred and twenty thousand dollars ($220,000). This option is ideally suited for entrepreneurs who need to access funding for their small "Mom & Pop"  business within a relatively short period of time. 

  • Maxi Financing

    Entrepreneurs can access financing up to Two million Five Hundred dollars ($2,500,000) at competitive interest rates along with payment periods that are flexible. It is no surprise that we have been so successful at creating and fostering entrepreneurs across Jamaica.

Collection Agencies

"Paymaster -Authorized Collection Agency" Payments can be made at all locations islandwide.
EMAC Office Systems Tyco Foods First Union Financial Company Limited