A production line at Jaguar Land Rover’s factory in Solihull in 2022. JLR, which makes the Jaguar and Land Rover brands, has not produced a single car since the last day of August. “I looked at getting a loan but was quoted interest of 16% and they wanted personal guarantees,” Beese said. Other suppliers have said loans are not an option for some small companies because they fear breaching rules on directors’ legal responsibilities. JLR is considering upfront payments to its direct suppliers in order to inject cash as quickly as possible, according to two people with knowledge of talks.