The Easier and Faster Way to Get Small Loans
Empowering Jamaica's Financial Future
Digital micro-lending platform serving students, employed individuals, and small businesses across Jamaica with fast, accessible, and transparent financial solutions
Empowering Jamaica's Financial Future
Digital micro-lending platform serving students, employed individuals, and small businesses across Jamaica with fast, accessible, and transparent financial solutions
A Legacy of Service, A Vision for the Future
Monaire Financial Services (MFS) is a microfinance institution that was established in 2006 and operated in Western Jamaica for several years before it was acquired by Spectrum Capital (St Lucia) Holdings Limited in 2021.
Having recently received approval from the Bank of Jamaica, MFS is being repositioned for island‑wide expansion and relaunch as a modern, digitally enabled microfinance institution operating under the Bank of Jamaica (BOJ) regulatory framework.
As a mission-driven institution, MFS is dedicated to empowering individuals and small business owners with limited access to traditional banking.
The company is committed to performing its role in fostering economic growth, supporting community development, and providing responsible financial solutions that create opportunities for its clientele.
Join us in building a brighter financial future for Jamaica.
Fully authorized and regulated by the Bank of Jamaica
Dedicated to supporting local economic development
Modern technology for faster, easier loan access
Barriers to financial access in Jamaica
High costs, complex requirements, and low trust result in limited formal credit uptake
Branch-based applications and manual reviews create time and cost burdens
Despite high mobile penetration, digital borrowing adoption remains uneven
Fast, Digital Micro-Lending Built for Jamaica
End-to-end digital process minimizes paperwork and customer effort
Automated credit screening enables quick approval with consistent risk controls
Focused loan assessment team delivers fast final credit decisions
Approved loans disbursed via bank transfer on a daily cycle
Funds paid directly to merchants (e.g., tuition), reducing misuse and default risk
Technology-enabled processes scale efficiently with demand
Backed by UCC & Spectrum Capital Partners
Tuition financing up to J$500K
Emergency cash-flow J$50K-J$500K
Payroll & operations J$250K-J$2M
70-80% of PO value for suppliers
Experienced executives with proven track records
Group Executive Chairman
Founder & Executive Chairman of UCC Group, Jamaica's largest private tertiary education institution
Interim Board Chair
Commercial finance strategist with extensive experience in structured finance and investment advisory
Interim Group CEO
20+ years senior management experience across manufacturing, finance, and business process outsourcing
Group Senior Director
15+ years in capital raising and investor relations, led funding initiatives exceeding €50M and £15M
Partner with us in building a brighter financial future for Jamaica
Group Senior Director – Capital Raising & Corporate Communications
Spectrum Capital (St. Lucia) Holdings Ltd.
The easier and faster way to get small loans
© 2026 Monaire Financial Services Ltd. All rights reserved. | Authorized by the Bank of Jamaica