What Elev8 Finance does

Elev8 Finance is a UK-based credit brokerage firm specialising in finance for prestige, supercar, and luxury vehicles. Founded in 2010 and led by Mike McCann, the company operates as a credit broker — not a lender — authorised and regulated by the Financial Conduct Authority under FRN 669015. Its core offerings span five finance products: Hire Purchase, Lease Purchase, Personal Contract Purchase (PCP), Equity Release, and Re-financing, distributed via a panel of specialist lenders that underwrite deals on collector-grade and high-value vehicles outside the criteria of mainstream automated lenders.

The company's competitive positioning is built on manual human underwriting of complex income profiles (HNW individuals, company directors, self-employed professionals with multi-stream income) and bespoke finance structures calibrated to each vehicle's actual market position rather than generic depreciation curves. Distribution combines direct-to-consumer intake (phone, email, website forms, WhatsApp) with a referral network of specialist prestige and supercar dealers across the UK, who surface collector vehicles to Elev8 clients ahead of public marketplaces.

Commercially, Elev8 Finance earns commission from lenders on successfully placed finance, calculated by reference to vehicle age or amount borrowed, with no direct fee charged to the customer. The firm reports cumulative funding of £453 million+ across 3,900+ vehicles since inception and operates with a headcount of 1–10 from its Coulsdon, Surrey headquarters. The model is relationship-driven rather than technology-driven, with content marketing and dealer partnerships serving as primary demand-generation channels.

Name

Elev8 Finance

Legal name

Elev8 Finance Limited

Website

https://elev8finance.co.uk

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Elev8 Finance is a UK credit broker arranging specialist Hire Purchase, Lease Purchase, PCP, Equity Release, and Re-financing for supercar and luxury vehicle buyers via a panel of niche lenders and dealer partners.

Ownership category

akta.pro rank

Product category

Luxury Vehicle Finance Brokerage

NAICS

Credit Intermediation and Related Activities (522), Sales Financing (52222)

SIC

Personal Credit Institutions (6141), Finance Lessors (6172)

akta.pro primary industry

Large Purchase & Lifestyle Personal Loans (Unsecured Installment) (FSAKAAAG)

Keywords

• Vehicle finance broker
• Supercar finance
• Luxury car lending
• Specialist car finance
• Prestige vehicle finance

Headquarters

HQ city

Coulsdon

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others

Revenue model

1. Commission from Lenders: Elev8 Finance is a credit broker, not a lender. They receive commission from lenders they introduce customers to, calculated by reference to vehicle age or amount borrowed. The commission amount does not affect what the customer pays under their credit agreement. Commission amounts are disclosed upon request.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels5 records

Core offering

Elev8 Finance is a UK FCA-authorised credit broker that arranges finance for prestige and supercar vehicles by introducing customers to a panel of specialist lenders. It offers five core products — Hire Purchase, Lease Purchase, Personal Contract Purchase, Equity Release, and Re-financing — structured around each vehicle's market position rather than generic residual models. The firm is compensated via lender commissions and does not charge customers a direct broking fee.

Product overview

Elev8 Finance is a specialist finance broker for supercars and luxury vehicles operating in the UK. The company offers a portfolio of five core finance products: Hire Purchase, Lease Purchase, Personal Contract Purchase (PCP), Equity Release, and Re-financing. These products are structured through access to a panel of specialist lenders who understand high-value and collector-grade vehicles. The offering is differentiated by bespoke lending structures calibrated around each vehicle's specific market position, direct access to specialist lenders, and expert-led service from a team led by Mike McCann. Elev8 Finance has funded over £453 million across 3,900+ vehicles.

Differentiator

Problem solved

Functional benefit

Products and services

• Hire Purchase A finance product that allows buyers to spread the cost of a prestige vehicle and own it outright at the end of the agreement. Targeted at customers purchasing high-value and collector-grade vehicles.
• Lease Purchase A finance structure with lower monthly payments and ownership transfer at the end of the term, suitable for collector-grade vehicles where conventional PCP structures do not apply.
• Personal Contract Purchase (PCP) A flexible finance option with lower monthly payments, offering upgrade options at the end of the agreement for prestige vehicles.
• Equity Release A facility that unlocks the value in an existing prestige vehicle without selling it, using the equity as deposit for a new acquisition.
• Re-financing A restructuring of existing prestige vehicle finance agreements to potentially secure better terms or release equity.
• Specialist Lender Panel Access Access to a panel of specialist car finance lenders who understand collector-grade vehicles and can price structures around the car's actual market position rather than generic residual models. The broker selects the best-matched lender for each deal.

Quantifiable outcome

• £453 million+ funded across 3,900+ vehicles
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators5 records

Recent moves4 records

Expansion highlights4 records

Emerging players

• Drivvn: Drivvn is a UK-based digital car finance platform connecting dealers, lenders, and consumers. Comparable in intermediating specialist car finance but takes a tech-enabled platform approach that could disrupt traditional broker models like Elev8's.

Direct peers

• Oracle Finance: Oracle Finance is a UK specialist car finance broker focused on prestige, sports, and high-value vehicles. Highly comparable to Elev8 in targeting the same customer segment, offering similar finance structures (HP, PCP, lease purchase), and operating through a panel of specialist lenders.
• First Response Finance: First Response Finance is a UK specialist car finance provider operating as both broker and lender for non-prime and complex-income borrowers. Comparable in addressing customers that mainstream lenders decline, though broader in segment than Elev8's supercar-only focus.
• JBR Capital: JBR Capital is the UK's most prominent specialist supercar and prestige vehicle finance broker. Directly comparable to Elev8 in product range (HP, PCP, lease purchase), customer segment (HNW, collectors, dealers), and specialist lender panel model — they are the closest direct competitor in the UK niche.
• Marsh Finance: Marsh Finance is a UK specialist finance broker with experience in prestige and non-standard car finance. Comparable in intermediating complex deals through specialist lender panels, though more diversified across asset classes than Elev8.
• Status Car Finance: Status Car Finance is a UK specialist broker for prestige and performance cars, offering HP, PCP, and lease purchase. Comparable to Elev8 in product mix and target market, though typically operating at lower ticket sizes than Elev8's supercar specialty.

Broad incumbents

• Moneybarn: Moneybarn is a UK specialist vehicle finance lender (not broker) focused on non-prime borrowers. Comparable in operating in specialist vehicle finance where mainstream lenders underperform, though as a captive lender rather than broker model.
• Zuto: Zuto is a UK online car finance broker operating across mainstream and used vehicles. Comparable business model (credit broker intermediating between borrowers and lender panels) but at a much broader and lower-ticket scale than Elev8's supercar niche.
• CarFinance 247: CarFinance 247 is a large UK car finance broker operating across a wide range of vehicles and credit profiles. Comparable broker intermediation model, but broader market positioning and lower average ticket size than Elev8's specialist supercar focus.
• Black Horse Finance: Black Horse is one of the UK's largest vehicle finance lenders, owned by Lloyds Banking Group. Comparable in operating UK car finance at scale but as a mainstream lender/broker with broader customer segments than Elev8's supercar specialty.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks4 records

Key highlights7 records

Customer concentration

• Xx.com/elev8finance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 →

Frequently asked questions about Elev8 Finance