Independent credit broker
About Hypercar Finance
A specialist supercar finance broker arranging unregulated commercial agreements, on cars that generic motor finance underwriting does not understand.
What Hypercar Finance actually is
Hypercar Finance is an independent credit broker, not a lender. We do not hold the money and we do not decide the rate. What we do is take the deal to a panel of specialist lenders who write this asset class, argue the structure and the residual value on your behalf, and come back with terms that can actually be drawn down.
A business agreement we arrange is unregulated, written under the business lending exemption. That is a deliberate choice rather than a limitation. Outside the consumer credit perimeter the structure is negotiated deal by deal: the term, the balloon, the deposit and the security package are all movable, which is exactly what a £400,000 car bought through a limited company needs and exactly what a high street motor finance product cannot do.
The consequence, stated plainly: Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority, and agreements arranged through us do not carry the protections of the Consumer Credit Act. If you want a regulated consumer agreement, we are the wrong firm and will say so on the first call.
Discretion
Enquiries are handled by one person. Nothing about your circumstances, your company or the car is shared beyond the lenders we approach on your instruction.
Speed
A car at auction or with a dealer holding deposit does not wait for a committee. Because the agreements sit outside the consumer credit perimeter, the underwriting conversation starts the day you call.
Asset knowledge
The residual value assumption is the number that decides a balloon, and it is where generic lenders get supercars wrong. We argue that number from marque and model evidence rather than a depreciation curve built for fleet cars.
Who you deal with
Specialist car finance is a relationship business. Here is who runs it.
Matt Lenzie
Founder, Hypercar Finance
Matt began his career at Black Horse Motor Finance, the motor finance arm of Lloyds Banking Group, and has spent the years since arranging asset and property finance for clients whose circumstances do not fit a standard credit score.
That start matters here because the hardest part of a supercar finance deal happens on the lender's side of the desk. Knowing how a credit paper is written, which residual value assumptions a funder will accept and which will be struck out, and where a limited company structure helps or hinders, is the difference between a deal that completes and a deal that stalls.
Hypercar Finance applies that lender-side experience to cars above a business agreement, which sits outside the consumer credit perimeter and the structure is negotiated deal by deal rather than taken off a shelf. Every enquiry is handled by Matt directly.
How we get paid, and why that matters to you
As a credit broker we are paid a commission by the lender that writes the agreement. You will be told what that arrangement is before you sign anything. We have no shareholding in any funder and no volume target with any funder, which is the whole point of using a broker rather than going direct to one balance sheet.
There is no charge for an enquiry, no charge for a quote, and running the numbers does not touch your credit file. A soft look at the market comes first; a formal application only happens once you have seen indicative terms and told us to proceed.
Company details
Hypercar Finance is a trading name of Lenzie Consulting Ltd, registered in England and Wales, company number 08174104. Registered office: Lynch Farm, Kensworth, Dunstable, Bedfordshire LU6 3QZ. Lenzie Consulting Ltd is an independent credit broker and is not authorised or regulated by the Financial Conduct Authority. We arrange unregulated commercial finance only.
Ready to discuss your requirements?
Tell us the car, the structure you have in mind and the timescale. You will speak to the person who arranges the deal, not a call centre.
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