The deal your panel just declined.
We are not asking to replace your prime lender. We are asking for the cars it will not fund, the customers it will not score, and the deals you currently write off. We arrange the finance and share the commission.
Four cases worth sending over.
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The car is too old for the panel
Prime lenders work to an age and mileage box. Step outside it and the answer is no before anyone has looked at the car. We arrange finance on cars back to 1948, priced against an agreed valuation rather than a list price.
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The buyer does not fit a template
Company directors taking dividends, recently incorporated businesses, buyers with income across several entities. None of that is a credit problem, it is a scorecard problem, and commercial lenders underwrite it case by case.
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It came from auction or a private sale
Cars bought outside the trade, imports, and anything without a conventional invoice trail. These fall out of most prime processes and are ordinary business for a commercial lender.
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The customer wants to release equity
Where a buyer owns a car outright and wants to fund the next one against it. We arrange the refinance, they buy from you with cash, and the deal completes.
Simple, and it stays yours.
You send the case. We tell you quickly whether it is fundable and roughly on what terms, so you can go back to your customer the same day rather than leaving them waiting. If it works, the lender pays you directly for the car and we share our commission with you.
The customer stays your customer. We are not going to market them, and we are not going to introduce them to another dealer. The relationship is the thing you are lending us, and we know what it cost to build.
Commission share is agreed per relationship rather than published, and we will put it in writing before you send us anything.
Someone who has sat on your side of the desk.
Matt Lenzie started his career at Black Horse Motor Finance, the motor finance arm of Lloyds, and spent several years looking after used car dealers before moving into specialist asset finance. He knows what a declined proposal costs you on a Friday afternoon, and what it is worth to get an answer instead of a maybe.
Ferrari Finance is a trading name of Lenzie Consulting Ltd, company number 08174104, registered at Lynch Farm, Kensworth, Dunstable, Bedfordshire LU6 3QZ. We are an independent finance company and not a lender, and we have no connection to Ferrari S.p.A.