Commercial finance
Supercar Finance Options
Four structures, all arranged as unregulated commercial finance through a panel of specialist lenders. Which one is right depends less on the car than on what you intend to do at the end of the term.
Choosing between them
One question decides most of it: what happens at the end? If you intend to own the car, Hire Purchase costs the most per month and the least overall. If you want the monthly figure down and you are comfortable owning the residual risk, Lease Purchase defers part of the capital to a balloon. If you want somebody else to carry that risk, Personal Contract Purchase hands it to the lender in exchange for a mileage cap. And if the car is already yours, equity release turns it into cash without selling it.
All four are arranged as unregulated commercial finance under the business lending exemption. Hypercar Finance is an independent credit broker and is not authorised or regulated by the Financial Conduct Authority.
Ownership focused
Hire Purchase (HP)
The most straightforward route to ownership. The lender holds legal title to the car until the final instalment, at which point ownership passes to you outright. Nothing is deferred: the whole capital cost is amortised across the term, so the monthly payment is the highest of the four structures and the finish line is unambiguous.
Deposits usually sit between 10 and 20 per cent, with terms from 24 to 60 months. There is no mileage allowance and no condition clause, because the lender is never taking the car back. If you intend to keep the car, or you intend to drive it hard, Hire Purchase is the structure that does not punish you for it.
- Fixed monthly payments for the whole term
- No mileage restrictions and no end-of-term condition inspection
- Capital allowances may be available where a company is the borrower
Suits: buyers keeping the car, and company purchases where the asset goes on the balance sheet.
Read the full Hire Purchase guideHP
Straight amortisation
Lower monthly outlay
Lease Purchase (LP)
Lease Purchase defers a meaningful slice of the capital to a single balloon payment at the end of the term, set against the car’s projected residual value. That drops the monthly figure well below Hire Purchase while you still take ownership from the first payment. It is the structure we arrange most often on collector-grade cars, because the residual value can be argued from real marque evidence rather than a fleet depreciation curve.
At the end of the term you settle the balloon and keep the car, refinance the balloon over a further term, or sell and take any equity above the balloon as the deposit on the next agreement. There is no mileage limit, which matters on a car you actually intend to use.
- Lower monthly payments than Hire Purchase for the same car
- Balloon calculated on a defended residual value, not a generic curve
- Refinance, settle or sell at the end of the term
Suits: buyers changing cars every few years, and appreciating or slow-depreciating models.
Read the full Lease Purchase guideLP
Balloon payment
Residual risk with the lender
Personal Contract Purchase (PCP)
Personal Contract Purchase looks like Lease Purchase from the outside and behaves very differently at the end. The final payment is a Guaranteed Minimum Future Value, and the word guaranteed is doing real work: if the car is worth less than the GMFV when the term ends, that is the lender’s problem, not yours. You can hand the keys back and walk away.
The price of that protection is a mileage allowance agreed up front and a fair wear and tear standard at the end. Lenders will write PCP on current-model cars where they are comfortable setting a future value; on older or rarer stock they will usually push you toward Lease Purchase instead.
- The lender carries the depreciation risk, not you
- Hand back, settle the GMFV, or part-exchange any equity at the end
- Mileage allowance and condition standard apply
Suits: current-model cars, and buyers who want a defined worst case.
Read the full Personal Contract Purchase guidePCP
Guaranteed future value
Unlock capital
Equity Release
Equity release raises a new agreement against a car you already own, paying you the difference between its current market value and anything still outstanding. The car stays with you and stays in use. It is the structure clients reach for when a business needs working capital quickly, when a property purchase needs bridging, or when the next car needs a deposit before the current one is sold.
Two situations make it particularly effective: a car held free of finance for several years, and a car that has appreciated past its original purchase price, which is common on limited-build and heritage models. The outstanding balance on any existing agreement is the number that decides how much is available, so it is the first thing we ask for.
- Raise capital without selling the car
- Settles any existing agreement as part of the new facility
- Available on owned and part-financed vehicles
Suits: owners with equity tied up in a car, and anyone needing liquidity at short notice.
Read the full Equity Release guideER
Capital extraction
Who these agreements are written for
Because these are unregulated commercial agreements, the borrower is normally a limited company, a partnership, a sole trader, or a high-net-worth individual borrowing for business purposes. Lenders on our panel are comfortable with income that arrives as dividends, as company profit or in lumps rather than as a monthly salary, which is the point at which a mainstream motor finance application usually fails.
What they will want to see is straightforward: who the borrower is, how the payments are serviced, what the car is, and where the deposit comes from. Adverse credit is not automatically fatal on a deal of this size, but it needs to be on the table at the start rather than found later.
Used and pre-owned cars are financed on the same terms as new. Age and mileage affect the residual value assumption and therefore the balloon, not whether the deal can be done at all.
Ready to discuss your requirements?
Model the monthly figure yourself, or tell us the car and the structure you have in mind and we will come back with indicative terms.