Vehicle Finance
From prestige and performance vehicles held personally, through company fleets, to a single everyday car, we structure the finance around your circumstances, your income profile and your longer-term plans. Discreetly, and with one point of contact throughout.
No obligation · Enquiring will not affect your credit score · We respond within 24–48 hours
Who We Work With
Supercars, performance saloons, luxury marques, classics and collections, funded discreetly, quickly, and by lenders who understand what the asset actually is.
High-value vehicle finance is a specialist discipline and most of the market is not set up for it. Automated systems do not know how to value a limited-production car, do not understand a director's remuneration structure, and do not cope with a purchase from a private seller or an overseas dealer. The result is a good client and a good asset being declined by a process rather than a person.
We work with lenders who underwrite these cases manually, who understand residual values on appreciating and specialist vehicles, and who will move at the speed a private purchase or an auction lot demands. You deal with one person throughout, and you are never asked to explain your position twice.
What this covers
Single company cars through to full commercial fleets, funded in the business's name and structured to protect the cash the business needs to trade.
Whether it is one director's car, a run of vans, HGVs or specialist plant vehicles, business vehicle finance should be structured around your replacement cycle and your accounts rather than negotiated one vehicle at a time. Multiple vehicles can sit under a single facility, and fleet assets you already own can be refinanced to release capital.
What this covers
A family car, a first car, a replacement, funded properly, with the same care and the same access to our lender panel as any other client.
Not every enquiry is a development site or a performance car, and we would not want it to be. If you need a straightforward vehicle on straightforward terms, you get the same conversation, the same panel and the same person answering the phone. Often it is the simplest cases where a well-chosen lender makes the biggest difference to what you actually pay.
What this covers
Our Solutions
Which structure is right depends on how long you intend to keep the vehicle, whether you want to own it outright, whether it should sit personally or in a company, and, on higher-value vehicles, what the asset is likely to be worth at the end of the term.
Fixed monthly payments across an agreed term, with ownership passing to you on the final payment. No mileage restrictions and no condition penalties. Usually right where the vehicle will be kept long-term, worked hard, or is expected to hold its value.
Lower monthly payments with a larger optional final payment deferred to the end. Settle it and keep the vehicle, hand it back, or part-exchange. Suits clients who change vehicles regularly.
Built around a deferred balloon payment based on projected future value, with a committed path to ownership. Frequently the most efficient route on prestige vehicles, where the residual value assumption is where most of the value in the deal sits.
Raise capital against a vehicle you already own, or restructure an existing agreement whose term or payments no longer suit. Used to release capital from a collection or fleet without disposing of anything.
Start Here
Whether it is a collection piece, a company fleet or the family car, tell us about the vehicle and the wider picture and we will come back with a structure that fits both.