Oracle

What Oracle does

Oracle Car Finance (legal entity: Oracle Asset Finance Limited) is a UK-based specialist credit broker that arranges finance for prestige, sports, classic, and supercars, serving individual buyers of vehicles priced from £25,000 to several million pounds. Founded in 2006 by Peter Brook and Andy King, the company operates from its headquarters at Oracle House, Knaresborough, North Yorkshire, and is authorised and regulated by the Financial Conduct Authority (registration no. 662576). It has cumulatively arranged over £2 billion of vehicle finance for 80,000+ clients and is recognised by industry awards as a leading specialist in the UK, with five Best Specialist Car Finance Provider wins in six years and 6 of 7 awards at the Credit Strategy Car Finance Awards 2026.

The business model is commission-based: Oracle acts as a credit broker intermediating between customers and a panel of 20+ lenders, earning referral commissions from those lenders on each funded deal and charging no direct fee to customers. Finance products span Personal Contract Purchase (PCP), Hire Purchase, Lease Purchase, Balanced Payments, Refinance, Equity Release, and dedicated lines for electric, auction, racing, and private-sale cars. Underwriting is performed manually by dedicated, SAF-qualified Account Managers, a deliberate positioning against automated credit-decision engines. Distribution is sales-led via phone (0800 012 6666), website quote forms, and referral partnerships with Porsche Club GB (Official Vehicle Finance Partner), The Motorist, and PistonHeads, supported by Trustpilot-led reputation marketing and a content blog.

Revenue mechanics are entirely transactional: commission rates are disclosed to customers before signing and vary with car age, loan amount, and term. The company is privately held, founder-led (Peter Brook as Managing Director), and organically funded with no disclosed external investment; operational expansion is supported by a 3-year profit-share scheme and a growing team within the 11-50 employee band. A sister company, Lawton Brook, extends the footprint into prestige car brokerage.

Name

Oracle

Legal name

Oracle Asset Finance Limited

Website

https://oraclefinance.co.uk

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

11–50 employees

Short description

Oracle Car Finance is a UK specialist credit broker arranging finance for prestige, sports, classic, and supercars through a panel of 20+ lenders, serving individual buyers from its Knaresborough headquarters via dedicated, SAF-qualified Account Managers.

Ownership category

akta.pro rank

Product category

Auto Finance Brokerage

NAICS

Sales Financing (522220)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Auto & Vehicle Loan Brokerage (FSAEAEAK)

Keywords

• Specialist car finance
• Prestige vehicle finance
• Credit brokerage services
• Luxury car loans
• Classic car financing

Headquarters

HQ city

Knaresborough

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Commission from Lenders: Oracle Car Finance acts as a credit broker earning commission from lenders for introducing customers. No fee is charged directly to customers for the broker service. Commission amounts vary by lender and are disclosed to customers before signing.
2. Interest Rate Spread: Interest rates are determined by factors such as age of the car, amount borrowed, and term of agreement, which affect the commission received from the lender.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

Oracle Car Finance (legal name: Oracle Asset Finance Limited) is a UK-based specialist credit broker that arranges finance for prestige, sports, classic and supercars, working with a panel of 20+ lenders to match customers with tailored Hire Purchase, Personal Contract Purchase (PCP), Lease Purchase, refinance and equity release products. The company performs manual underwriting with dedicated Account Managers rather than relying on automated algorithms, and has sourced over £2 billion of vehicle funding for customers since founding.

Differentiator

Problem solved

Functional benefit

Products and services

• Personal Contract Purchase (PCP) A car finance product offered by Oracle Car Finance that allows individual customers to make lower monthly payments with a balloon payment at the end of the agreement, typically used for prestige vehicles.
• Hire Purchase A traditional car finance product where customers pay an initial deposit followed by fixed monthly instalments and own the vehicle at the end of the agreement.
• Lease Purchase A car finance product that combines lower monthly payments with a final balloon payment, typically used for prestige and high-value vehicles where flexibility on residual values is required.
• Balanced Payments A car finance structure designed to align monthly payments with the customer's cash flow, arranged through Oracle's panel of 20+ lenders for prestige vehicles.
• Refinance Allows existing car finance customers to refinance their current vehicle through Oracle's lender panel, potentially securing better terms or releasing equity from the vehicle.
• Equity Release A finance product that enables customers to release equity tied up in an existing vehicle, arranged through Oracle's panel of lenders for prestige car owners.
• Auction Car Finance Specialist finance arranged for customers purchasing prestige vehicles through auctions, leveraging Oracle's lender panel to secure funding.
• Electric Car Finance Finance arrangements for premium and prestige electric vehicles such as Tesla, arranged through Oracle's specialist lender panel.
• Classic Car Finance Specialist finance for classic and vintage vehicles of any age or marque, addressing the reluctance of mainstream lenders to fund older vehicles through Oracle's specialist lender panel.
• Supercar Finance Specialist finance arrangements for ultra-high-value supercars (Bugatti, Pagani, Ferrari Enzo, etc.), with approximately £250 million underwritten annually for supercars.
• Sports Car Finance Finance for sports cars including Porsche, Ferrari, McLaren and Lamborghini, with Oracle funding more Porsche products than any other brand.
• Racing Car Finance Specialist finance arrangements for racing and track-oriented vehicles, accessed through Oracle's specialist lender panel.
• Private Sale Car Finance Finance arranged for customers purchasing prestige vehicles directly from private sellers rather than through dealerships.
• Prestige Car Finance Umbrella finance offering for prestige vehicles from £25,000 to multi-million pound values, covering brands such as Range Rover, Mercedes-Benz, BMW and Audi.

Quantifiable outcome

• Over £2 billion of funding sourced for customers
• +4 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered flagship, core and minor.

• Porsche Club GBflagshipGTM or Marketing PartnerOfficial Vehicle Finance Partner of Porsche Club GB - Europe's largest officially recognised Porsche members club. Oracle funds more Porsche products than any other brand and the 911 is their most popular model. This partnership provides a dedicated referral pipeline and positions Oracle as the trusted finance partner for Porsche enthusiasts.
• The MotoristcoreGTM or Marketing PartnerPartnership with The Motorist automotive media platform for brand visibility and customer referrals. Joint promotions and events including bank holiday supercar events.
• Lender Panel (20+ financial institutions)coreChannel Partner/ Reseller/ DistributorOracle works with a panel of 20+ lenders to provide competitive funding solutions. The breadth of lenders enables tailored finance products for customers across all prestige vehicle segments.
• Lawton BrookminorOthersSister company specializing in prestige car brokerage; mentioned in context of Ferrari 250 SWB and other classic car preferences.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Startline Motor Finance: UK motor finance provider focused on used vehicle financing through dealer and broker channels. Comparable as a UK specialist auto-finance provider overlapping with Oracle's broker-introduced volume.
• JBR Capital: UK specialist luxury and prestige car finance lender/broker. Most direct comparable to Oracle: focuses on high-value, sports, classic and supercar finance with a similar niche customer base and lender-panel approach.
• Moneybarn: UK specialist vehicle finance provider focused on non-prime and used-car lending. Comparable as a UK specialist vehicle-finance operator with broker-style origination, though serving a different credit tier than Oracle.
• MotoNovo Finance: UK specialist motor finance provider serving dealers and consumers across used and new vehicles. Comparable as a UK specialist auto-finance counterparty on Oracle's lender panel and as a similar specialist-broker adjacent operator.
• Car Finance 247: UK car finance broker connecting consumers with a panel of lenders. Directly comparable as a UK credit-broker competitor using a similar multi-lender panel and commission-based model, though focused on mass-market rather than prestige.

Broad incumbents

• Black Horse (Lloyds Banking Group): Major UK motor finance provider within Lloyds Banking Group, offering finance through dealers and brokers. Comparable as a large incumbent vehicle-finance counterparty serving the same UK customer base, and a likely member of Oracle's lender panel.
• Close Brothers Motor Finance: Established UK motor finance division of Close Brothers Group, providing finance through dealer and broker channels. Comparable as a major UK motor-finance incumbent and as a likely lender on Oracle's 20+ lender panel.

Emerging players

• Allica Bank: UK challenger bank with an asset finance proposition for SMEs and professionals. Comparable as a digital-first entrant building specialist asset-finance capability in segments adjacent to Oracle's prestige-vehicle niche.
• Zopa: UK digital challenger bank offering consumer loans and car finance products. Comparable as an emerging direct-to-consumer lender encroaching on the broker-mediated personal-loan/car-finance market Oracle serves.

Others

• BMW Financial Services: OEM captive finance arm for BMW and Group brands in the UK. Comparable as a direct-to-customer prestige-finance provider whose growth reduces the addressable broker-introduced volume Oracle can capture on premium-brand vehicles.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/OracleCarFinance
• LinkedInlinkedin.com/company/oracle-finance
• Instagraminstagram.com/OracleCarFinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

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