What is Collection Finance?
Rather than arranging separate HP or lease agreements for each car, portfolio lending allows you to fund multiple vehicles under a single facility. The lender assesses the combined value of the collection and offers an aggregate LTV. Individual vehicles can often be substituted in or out subject to lender approval.
Key Lenders for Collection Finance
- Investec - Private bank with portfolio lending capability for high-net-worth clients; typically £500,000+ portfolios
- JBR Capital - Multi-vehicle facilities, flexible on composition
Worked Example: 4-Car Collection Valued £600,000 - 65% LTV = £390,000
| Vehicle | Value |
|---|---|
| Ferrari 488 Pista | £210,000 |
| Porsche 911 GT3 RS | £175,000 |
| Lamborghini Huracán EVO | £130,000 |
| McLaren 570S | £85,000 |
| Total Collection Value | £600,000 |
| LTV (65%) | £390,000 facility |
| Lender | Investec (indicative) |
| Rate | 9.0% APR |
| Term | 36 months |
| Monthly Payment | approx. £12,409 |