Classic & Supercar Finance
Release capital from your car collection without selling. Loans of 50–70% LTV against Ferrari, Porsche, Lamborghini, McLaren, Aston Martin and other blue-chip marques — no credit checks, funds in 24–72 hours.
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Step 1 of 3: Security
No upfront fees · Business enquiries only · Min. £25,000
What is Classic & Supercar Finance?
Classic and supercar finance — often called a loan-against-vehicle or automotive asset-backed lending — allows owners of high-value collector cars to borrow against the vehicle's independently assessed market value without selling. The lender advances 50–70% of the appraised value, collects the vehicle via specialist enclosed transport for secure storage during the loan period, and returns it on full repayment. There are no credit checks, no income verification and no disposal required. For the owner of a prized Ferrari or rare Porsche, it is the fastest available route to liquidity without permanently parting with the car.
- Advance of 50–70% of independently appraised vehicle value
- Vehicle held in climate-controlled, dehumidified, insured specialist storage
- No credit checks or income verification required
- Loan terms from 3 to 24 months
- Ferrari, Porsche, Lamborghini, McLaren, Aston Martin, Rolls-Royce, Bentley, Bugatti
- V5C required; no outstanding finance on the vehicle
- Funds available within 24–72 hours for straightforward cases
How Does Classic & Supercar Finance Work?
Initial Enquiry
Provide details of the vehicle: make, model, year, mileage, service history and approximate value, along with the loan amount required. We will provide indicative terms the same day, including advance amount and indicative monthly rate.
Specialist Appraisal
The lender arranges for a marque specialist to assess the vehicle in person. Condition, service history, originality, matching numbers, provenance and current secondary market values are all considered. For rare or highly valuable vehicles, auction house specialists may be involved.
Title Verification
You provide the V5C registration document and confirm no finance is outstanding on the vehicle. An HPI or equivalent search is conducted to verify the title is clear and unencumbered. Any outstanding hire purchase must be settled before or at drawdown.
Collection
The vehicle is collected from your premises by specialist enclosed transport — not a recovery truck. It is transported to the lender's climate-controlled, dehumidified, secure storage facility. The vehicle is trickle-charged and periodically started throughout the loan period.
Documentation & Drawdown
Loan documentation is signed and funds are transferred to your nominated account — typically within 24 hours of the vehicle being collected and documentation signed.
Repayment & Return
On full repayment of the loan and accrued interest, the vehicle is returned via the same specialist enclosed transport in the same condition it was collected.
How is Classic & Supercar Finance Secured?
The loan is secured against the vehicle via a formal security agreement — a bill of sale or pledge. The lender takes physical possession of the vehicle, which is stored in their own secure facility for the loan duration. You retain legal title as the registered keeper throughout; possession of the V5C logbook transfers to the lender for the loan period. The vehicle is insured by the lender during storage. In the event of non-repayment, the lender's right to realise the vehicle is the sole remedy — the loan is non-recourse against your other assets or income.
Is Classic & Supercar Finance a Good Idea?
Advantages
- Faster than any private sale or auction — funds within 24–72 hours
- No credit check, income assessment or affordability test whatsoever
- Vehicle returned in precisely the same condition — professionally maintained in climate-controlled storage
- Access liquidity without permanently parting with a prized vehicle
- No capital gains tax crystallisation — no disposal event
- Non-recourse structure: the lender's only remedy is the vehicle itself
Considerations
- Vehicle is inaccessible during the loan period — it is in the lender's storage
- Monthly interest rates are higher than conventional finance, reflecting the short-term, no-credit-check structure
- Vehicle values can fluctuate; a fall may reduce the LTV offered at renewal
- Only blue-chip marques with strong secondary markets attract the highest LTVs
How to Secure Classic & Supercar Finance
Gather Documentation
Locate the V5C logbook and compile service history, MOT records and any provenance documents — original purchase receipts, specialist inspection reports, restoration records, competition history.
Submit an Enquiry
Provide the make, model, year, approximate condition and the loan amount required. We provide indicative terms the same day — no commitment required.
Specialist Assessment
Arrange for the lender's appraiser to inspect the vehicle. This can typically be done at your premises or a nominated location within a few days of enquiry.
Confirm Clear Title
Confirm no outstanding finance exists on the vehicle. An HPI check will confirm this. Any existing finance must be settled from loan proceeds or cleared beforehand.
Arrange Collection
Agree a collection date. The vehicle will be transported in a covered, specialist transporter to the lender's secure facility.
Receive Funds
Sign loan documentation and receive funds to your nominated account — typically within 24 hours of collection.
How Much Can I Borrow?
Loan amounts depend entirely on the vehicle's independently assessed market value. Lenders typically advance 50–70% of that value, with the highest LTVs reserved for vehicles with deep, liquid secondary markets. The most sought-after Ferrari, Porsche and McLaren models with strong auction records attract the highest advances.
- Ferrari, Porsche, McLaren, Lamborghini, Aston Martin: up to 70% LTV
- Rolls-Royce, Bentley, Bugatti: 60–70% LTV depending on model and condition
- Rare limited editions and hypercars (LaFerrari, Bugatti Chiron, Porsche Carrera GT): assessed individually
- Pre-1980 classic British, Italian and German cars: 50–65% LTV depending on condition and provenance
- Collections of vehicles: aggregate lending considered on a portfolio basis
- Minimum loan: typically from £20,000; structured intermediary transactions typically £50,000+
What Are the Costs?
How Quickly Can I Get a Loan?
Simple cases — a well-documented modern supercar with clear V5C and no outstanding finance — can complete from enquiry to drawdown in 24–72 hours. Classic cars with complex restoration histories or unusual provenance typically take 3–7 working days to allow for specialist marque appraisal. Archangel's panel includes lenders able to move within hours for exceptional and well-documented assets.
Eligibility Criteria & How to Apply
- High-value collector vehicle with a demonstrable secondary market
- V5C registration document confirming UK registered ownership
- No outstanding hire purchase, PCP or other finance on the vehicle
- Service history and MOT records available
- Vehicle accessible for collection in the UK (overseas considered on a case-by-case basis)
- Any individual, company or trust can apply — no minimum income requirement
- No credit checks conducted at specialist asset-based lenders
- Adverse credit, complex ownership structures and non-UK residents considered
9 Example Uses of Classic & Supercar Finance
HMRC Tax Demand
A Ferrari collector receives an urgent HMRC demand. An asset loan against the Ferrari is arranged within 48 hours — repaid once the tax position is resolved.
Property Deposit
A car enthusiast raises a deposit for a property purchase using a short-term loan against a Porsche rather than drawing down on expensive bridging finance.
Business Cash Flow
An entrepreneur bridges a cash flow gap using a personal McLaren collection, keeping business facilities unencumbered and avoiding personal guarantees.
New Car Purchase
A collector wants to acquire a rare limited edition but cannot sell the existing car in time. An asset loan bridges until the existing vehicle is sold.
Auction Purchase Settlement
A dealer wins a significant vehicle at auction and must settle within 24 hours. Asset finance provides immediate funds against another vehicle in the collection.
Divorce Settlement
A party needing to pay a divorce settlement raises short-term funds against a classic car collection, avoiding a forced sale at depressed pricing.
Inheritance Tax
An executor raises funds against inherited classic cars to pay immediate IHT while the estate is administered and the collection properly valued for eventual sale.
Business Acquisition
A director raises capital against a personal car collection to part-fund a business acquisition, with repayment structured from acquisition proceeds.
Portfolio Rebalancing
A collector raises capital to seize a time-sensitive investment opportunity without permanently disposing of a cherished vehicle.
Ready to proceed?
No obligation. No upfront fees. Speak directly with a specialist.
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