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Business Car Finance
Your business moves forward. So should your car.
Whether you're a company director, business owner, sole trader or self-employed professional, the right vehicle can make a difference to your working day.
At Concierge Motor Finance, we help you explore finance options for business and professional vehicle needs, with a personal approach and straightforward guidance.
The car you want. The finance to match.
Finance for professionals
The right car for the way you work.
Your vehicle might be your daily commute, your mobile office, your way of visiting customers or an essential part of running your business.
Whatever your requirements, choosing a suitable finance agreement can help you understand your monthly commitments and plan ahead.
01
Company directors
Explore suitable options for executive and premium cars used in your professional life.
02
Self-employed professionals
Understand your options when your income comes from self-employment or running your own business.
03
Growing businesses
Consider vehicle finance as your business requirements change and your team develops.
Business-ready vehicles
Make the right impression. Every journey.
From executive saloons and electric cars to practical estates and premium SUVs, there are plenty of vehicles worth considering for professional use.
Executive Saloon
BMW 5 Series
A refined executive car combining long-distance comfort, technology and a professional presence.
Electric Business Car
Tesla Model 3
An electric saloon offering modern technology, efficient everyday driving and access to public charging networks.
Premium Executive
Mercedes-Benz E-Class
A premium executive car designed around comfort, refinement and longer business journeys.
Business Estate
Škoda Superb Estate
A spacious estate offering practicality, passenger comfort and generous luggage capacity.
Premium Electric
Polestar 2
A distinctive electric fastback combining contemporary design with everyday usability.
Business SUV
Volvo XC60
A premium SUV offering comfort, versatility and space for professional and family life.
Vehicles are illustrative examples only. Finance availability depends on the vehicle, intended use, applicant circumstances and lender criteria. Examples do not represent confirmed stock or guaranteed finance offers.
The Concierge Difference
Business-minded finance. Personal service.
Your time matters. We make it easier to explore suitable vehicle finance options without unnecessary complexity.
01 / CHOICE
Multiple lender options
Access to our lender panel means we can explore available options based on your circumstances.
02 / UNDERSTANDING
Finance that makes sense
We explain deposits, monthly payments, terms and total borrowing costs clearly.
03 / SERVICE
A personal point of contact
Speak to real people who can guide you through the process and answer your questions.
04 / FLEXIBILITY
Options for different needs
Explore finance for eligible executive, electric, family and professional vehicles.
Understand the difference
Personal finance or business finance?
Being a business owner doesn't necessarily mean you need a business finance agreement. The right arrangement depends on who will enter into the agreement, how the car will be used and the products available.
Personal car finance
An individual applies for finance in their own name. This may be suitable where the vehicle is primarily for personal use or a mixture of permitted uses.
Business-use restrictions may apply, so always disclose how the vehicle will be used.
Business vehicle finance
A business enters into a suitable finance arrangement, subject to eligibility and lender requirements.
Available products, documentation and legal protections may differ from personal finance agreements.
Concierge can discuss the options available through its lender panel. Please confirm your intended vehicle use and whether you are applying personally or on behalf of a business.
Your finance options
PCP, HP and other ways to finance your car.
Different finance products offer different repayment structures and end-of-agreement arrangements. Availability depends on lender criteria and whether the agreement is personal or business-related.
| Feature | Personal Contract Purchase (PCP) | Hire Purchase (HP) |
|---|---|---|
| Monthly payments | Often lower than comparable HP payments because a substantial final payment is deferred. | Payments generally repay the financed amount over the term. |
| End of agreement | Pay the optional final payment to own the car, return it subject to conditions, or part-exchange where appropriate. | Ownership transfers once all required payments and any applicable fees are paid. |
| Mileage | Agreed mileage allowance. Excess mileage charges may apply if the car is returned. | Generally no contractual mileage allowance. |
| Business use | Depends on the lender, product and agreement. | Depends on the lender, product and agreement. |
| Eligibility | Subject to status, affordability and vehicle criteria. | Subject to status, affordability and vehicle criteria. |
Business contract hire, finance lease and other commercial arrangements may be available elsewhere in the market. Ask us which products Concierge can currently arrange before proceeding.
Electric business vehicles
Thinking about going electric?
Electric cars can be worth considering for business use, particularly where drivers have access to convenient charging and predictable journeys.
Potential advantages
- Lower tailpipe emissions
- Home or workplace charging options
- Potentially lower routine maintenance needs
- Different company car tax treatment
Things to consider
- Purchase price and finance costs
- Charging availability and electricity costs
- Real-world range and journey patterns
- Current tax rules and eligibility
Company car benefit-in-kind rules, capital allowances and VAT treatment depend on the vehicle, business and circumstances. Tax advantages should not be assumed without professional advice.
Plan with confidence
Look beyond the monthly payment.
When choosing a vehicle for professional or business use, it's important to consider the complete cost of running and financing the car.
Finance considerations
- Deposit and monthly repayments
- Interest and total amount payable
- Agreement length and final payments
- Mileage and vehicle condition terms
- Early settlement and other charges
Business considerations
- Insurance for the intended use
- Fuel or electricity costs
- Servicing and maintenance
- Vehicle tax and company car implications
- Parking, tolls and business mileage
Tax relief and the treatment of vehicle expenses vary according to business structure, finance product, emissions and private use. Speak to your accountant before making decisions based on expected tax savings.
Getting started
Business car finance, made straightforward.
01
Tell us your requirements
Share the car you're considering, your budget, intended use and whether you're applying personally or through a business.
02
Explore available options
We'll discuss suitable finance products and the information lenders may require.
03
Move forward confidently
Review the agreement and, subject to lender approval and completion, take the next step towards your car.
Business car finance FAQs
Can I get car finance if I'm self-employed?
Yes. Self-employed applicants may be considered by lenders, subject to income verification, affordability, credit circumstances and lender criteria.
Can a limited company finance a car?
Limited companies may be eligible for certain business vehicle finance products. Availability depends on the lender, business circumstances and the products offered. Contact us to discuss whether Concierge can assist with your requirements.
Can I finance a car for both business and personal use?
Some finance agreements permit mixed use, but restrictions can apply. You should disclose the intended use and check the agreement before proceeding.
Is an electric company car more tax-efficient?
Electric cars can receive different tax treatment from petrol and diesel cars. The outcome depends on the tax year, business structure, vehicle and personal circumstances. Obtain current advice from your accountant.
Can I get business car finance with bad credit?
Some lenders may consider applications involving previous credit difficulties. Decisions depend on the applicant, business circumstances, affordability and lender criteria. Approval is not guaranteed.
Can I finance a used business car?
Finance may be available for eligible used vehicles, subject to age, mileage, value, condition and lender requirements.
Do I need to provide business accounts?
Documentation requirements vary. Depending on the applicant and finance product, lenders may request proof of income, bank statements, accounts or other supporting information.
Is business car finance regulated by the FCA?
Some business-purpose finance agreements are regulated and others are exempt. This depends on the borrower, agreement structure and relevant legal criteria. Consumer protections may differ. We can clarify the status of a proposed agreement before you proceed.
Your next move
Drive your business forward.
From executive saloons to electric cars and versatile everyday vehicles, explore your finance options with Concierge Motor Finance.
The car you want. The finance to match.
Concierge Motor Finance acts as a credit broker, not a lender, and may receive commission from a lender. Finance is subject to status, affordability, vehicle eligibility, lender approval and terms and conditions. Not all finance products are available for business use or to every business structure. Some business finance agreements may be unregulated and may not provide the same protections as regulated consumer credit agreements. Vehicle examples are illustrative only and do not represent confirmed stock or guaranteed finance offers. Information about tax is general guidance and does not constitute financial, tax or accounting advice.
