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Welcome to Smart Money

Where smart decisions about your money are made easy! No hidden fees or confusing financial jargon, just loan solutions that make sense for you.

We aim to offer a friendly, personal approach to lending. That’s why we take time to understand your unique situation first, before presenting loan options tailored to your circumstances and affordability.

Smart Money is part of the Prospect Capital group of companies. Our independent perspective helps us to discover smart lending solutions, designed for you. We firmly believe that convenient finance and the best customer service should go hand in hand, and we’re proud to have helped thousands of clients in the Channel Islands discover a smarter financial future.

Smart Money, Smart Choice

Responsible lending

At Smart Money, it’s important for us to help you make smart decisions when it comes to lending. We offer guidance and support to help you improve your credit score and manage your debt.

We take time to understand you, we are open and transparent about our fees, and make it easy and stress-free for you to discuss your financial situation with us. We’re here to help you achieve your financial goals, the smart way.

Proud members of the:


Jersey Chamber of Commerce Logo

Smart Money Team

Joshua Le Corre Business Development Manager

+44 (0) 1534 288961

With seven years in the lending industry, and five years at smart Money, Josh brings a deep understanding of consumer and business lending, specialising in unsecured and secured solutions. A background in high net worth insurance gives Josh a keen focus on high-level customer service, along with strong skills in relationship-building and the ability to understand client needs.

Zoe Wilson Sales Support Administrator

+44 (0) 1534 288976

Zoe has 5+ years’ experience in insurance and relationship management with ultra high net worth individuals and family offices. As a skilled negotiator, Zoe is focused on exceeding customer expectations. She loves a challenge, and will always prioritise the needs of her clients. Her outgoing personality and interpersonal skills enable her to solve problems and provide solutions for a wide range of clients.

Denny Lane Director

+44 (0) 1534 288972

Denny has 20+ years’ experience in financial services, with a strong background in high net worth banking and lending. As the Co-Founder and a Director of the Prospect Capital Group, and a Director at Smart Money, Denny’s expertise lies in high-value real estate transactions and business development. He has been a member of the Chartered Institute for Securities and Investments (CISI) since 2005.

SP Du Toit Director - Legal

+44 (0) 1534 288971

SP is a commercial attorney and senior executive with over 22 years’ experience in commercial and contract law, property law as well as debt and equity funding. SP has held directorships in several national and international companies from mining, property development and investment to finance and was the Managing Director of a boutique multi-jurisdictional law firm. He is the Director – Legal for both Prospect Capital and Smart Money.

Lochner Eksteen Director - Risk & Compliance

+44 (0) 1534 288977

Lochner is a Certified Information Systems Auditor with 15+ years’ experience in compliance, risk management and information security across a variety of financial institutions. At Smart Money, he has designed and implemented global company compliance policies, risk and quality management systems, and continuously monitors programmes, IT systems and procedures.

Chantall Eksteen Office Manager

+44 (0) 1534 288971

Chantall is a personable team player who thrives in fast-paced environments. She is able to adapt quickly to change and excels at providing practical solutions to complex problems. With a particular talent for building relationships at all levels, Chantall is passionate about helping others while promoting a company culture of accountability and continuous improvement.