Specialist pillar
Automated credit scoring is very good at approving straightforward applications and very bad at everything else. These are the situations where a person needs to read the file — and where most of this side of our business comes from.
Specialist leasing means arranging a vehicle agreement for someone who doesn't fit a mainstream funder's standard criteria — a company with no filed accounts, an applicant with no recent UK credit history, or a UK business owned or directed from overseas. The vehicle, the inclusions and the contract are the same as any other agreement. What changes is the funder, the documentation required, and sometimes the security requested.
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.