Specialist pillar
Automated scoring handles simple cases fine and struggles with anything slightly unusual. This is where a person actually reads the file instead — and where the bulk of this part of our business lives.
Specialist leasing is a vehicle agreement arranged for someone outside a mainstream funder's standard box — a company with nothing filed yet, an applicant with little or no UK credit trail, or a UK business directed or owned from abroad. The car itself, what's included, and the contract terms don't differ from any other agreement. What actually changes is which funder handles it, what paperwork gets asked for, and occasionally what security they want against it.
Where we help
Returning to the UK after years abroad, or relocating here for work. You have income, employment and often significant assets — but no UK credit footprint, which automated scoring reads as risk.
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Expats and overseas customersA UK-registered company whose directors live outside the UK. The company may be perfectly sound, but funders that insist on UK-resident directors will decline it without looking further.
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UK companies with overseas directorsA UK subsidiary of a foreign group. The parent may be substantial, but the UK entity's standalone credit file often looks thin or non-existent.
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Overseas parent or shareholdersA new company, an overseas parent, foreign directors, or no UK credit history — situations outside standard criteria that get declined automatically, not applicants with bad credit.
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Non-status leasingRelated cases
Under two years' trading and no filed accounts. Declined automatically by mainstream funders; placed regularly by us.
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New business start-upsShort terms reduce a funder's exposure, which is one reason specialist cases are often easier to place over 6 or 12 months than over 4 years.
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Short-term needsA subscription's rolling structure and lower total commitment can be a more practical starting point than a fixed lease.
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SubscriptionsThe process
Tell us the whole situation, including the parts you'd rather not mention. We'd rather know up front than discover it at underwriting.
Whether it's placeable, roughly what it will cost, and what documentation you'll need. If it's not placeable, we say so.
Usually more than a standard case — identity, address history, proof of income, and for company cases, structure and ownership details.
A human reads the file and makes a judgement. Slower than an automated decision, and far more likely to result in an approval.
Being straight
If the honest answer is that you'd be better off waiting six months and applying with filed accounts, we'll tell you that instead.
Answers
Next step
The messier it is, the more useful it is for us to hear it in full. We'll tell you honestly whether we can place it.