All Vehicle Contracts

What All Vehicle Contracts does

All Vehicle Contracts Ltd (trading as AVC) is a UK-based vehicle leasing and finance credit broker, incorporated in England and Wales on 22 January 1997 and headquartered in Wolverhampton, West Midlands. The company operates as an intermediary rather than a principal, connecting business and personal customers with a selected panel of third-party contract hire funders and credit providers. Its product portfolio spans Business Contract Hire, Personal Contract Hire, Personal Contract Purchase (PCP), Contract Purchase, Finance Lease for cars and vans, plus optional maintenance add-ons covering servicing, parts, road fund licence, and tyres. Supporting services include BVRLA-compliant fair wear and tear guidance, a pre-contract vehicle order system, and a registered-user account management portal with wish list and order tracking functionality.

The platform is built on a WordPress content management system with SSL/TLS encryption, cookie-based authentication (ALLVEHICLECONTRACTS_LOGIN), a quote-quota abuse-prevention counter (ALLVEHICLECONTRACTS_COUNTER), and Google Analytics for usage tracking. A fully automated online quotation system delivers real-time pricing across multiple finance providers, accessed via a self-serve website supplemented by phone (01902 353 393), email, and WhatsApp contact channels. There is no public API, no mobile app, and no AI/ML features disclosed.

Revenue is generated transactionally through (i) broker commissions earned from finance providers for successful introductions, (ii) a documentation processing fee of £195/£234 inc VAT (£295 + VAT for vehicles over £35,000 OTRP), (iii) a contract extension fee of £95 + VAT, and (iv) cancellation charges of £195 + VAT (or up to 10% of OTRP for irrevocable orders). The customer base is horizontally segmented between businesses and individual consumers in the UK, with no disclosed enterprise anchor customers and no published revenue.

Name

All Vehicle Contracts

Legal name

All Vehicle Contracts Ltd

Website

https://allvehiclecontracts.co.uk

Company type

Private

Founded year

1997

Operating status

Operating

Headcount range

11–50 employees

Short description

All Vehicle Contracts Ltd is a UK FCA-authorised credit broker (FRN 690140) founded in 1997, intermediating vehicle contract hire, PCP, and finance lease products between business and personal customers and a panel of third-party finance providers through a self-serve online quotation platform.

Ownership category

akta.pro rank

Product category

Vehicle Leasing and Finance Brokerage

NAICS

Passenger Car Leasing (532112), Passenger Car Rental and Leasing (53211)

SIC

Services-Auto Rental & Leasing (No Drivers) (7510)

akta.pro industry

PRIMARYFSAEAEAK

Auto & Vehicle Loan Brokerage

Financial & Insurance/Financial Advisory, Brokerage & Intermediation/Mortgage Brokerage & Loan Intermediation

SECONDARYFSAKADAC

Leasing & Lease Buyout Financing

Financial & Insurance/Lending & Consumer Finance/Auto Lending & Vehicle Finance

SECONDARYTLABAAAC

Consumer/Private Lease & Subscription (Personal Contract Hire)

Transportation & Logistics/Fleet Leasing, Rental & Management/Passenger Vehicle Leasing & Long-Term Rental (Cars/SUVs)

Keywords

• Vehicle leasing brokerage
• Contract hire services
• PCP finance arrangements
• Business fleet leasing
• Automotive credit broker

Headquarters

HQ city

Wolverhampton

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Revenue model

1. Broker Commission: All Vehicle Contracts acts as a credit broker earning commissions from finance providers for introducing customers. The company provides information on commissions and fees upon request or as part of pre-contract order stipulations.
2. Documentation Processing Fee: Standard administration processing fee of £195.00 or £234 including VAT for documentation and order processing. For vehicles over £35,000 OTRP, the documentation fee is £295 + VAT. Fees are payable by cheque, credit card, debit card, or BACs payment.
3. Contract Extension Fee: Contract extension fee of £95 + VAT (£114 including VAT) charged for service provision and staff time when arranging contract end extensions.
4. Cancellation Charges: Cancellation charge of £195 + VAT (£234 including VAT) for signed pre-contract orders. For irrevocable vehicle orders, up to 10% of the On the Road Price may be charged to cover consequential losses.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

All Vehicle Contracts operates as an FCA-authorised credit broker, not a lender, facilitating vehicle leasing and finance arrangements between customers and a selected panel of contract hire funders and credit providers. The company offers Business Contract Hire, Personal Contract Hire (PCH), PCP, Contract Purchase, and Finance Lease for Cars and Vans, supported by an automated online quotation system that delivers real-time pricing and a registered-user account portal for order tracking.

Product overview

All Vehicle Contracts operates as a vehicle leasing and finance brokerage platform offering multiple financing products across a unified website. The core offering consists of a portfolio of vehicle leasing and finance products — Business Contract Hire, Personal Contract Hire (PCH), PCP (Personal Contract Purchase), Contract Purchase, Finance Lease for Vans, and Finance Lease for Cars — supported by an automated online quotation and pre-contract order system. Optional add-on maintenance packages (Contract Hire with Maintenance and Personal Contract Hire with Maintenance) can be layered onto the core leasing products. Supporting services include a registered-user account management portal (for vehicle order tracking, wish lists, and newsletters), a BVRLA-compliant vehicle fair wear and tear return guide, and a used vehicle listing category. New and used vehicles span all manufacturers and fuel types including electric and plug-in hybrids.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Contract Hire A business leasing agreement providing fixed-cost vehicle usage over a set term with mileage and condition requirements upon return, arranged through a panel of contract hire funders.
• Personal Contract Hire (PCH) A personal vehicle leasing agreement offering fixed monthly payments over 24-60 months with VAT-inclusive pricing for individual consumers.
• PCP (Personal Contract Purchase) A flexible vehicle financing method featuring lower monthly payments that factor in a Guaranteed Minimum Future Value (GMFV) balloon payment, with options to purchase, part-exchange, or return the vehicle at end of term.
• Contract Purchase A non-regulated financing solution with purchase options at end of term, including optional servicing and maintenance packages.
• Finance Lease for Vans

Segments3 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators4 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Select Car Leasing: One of the largest UK consumer and business vehicle leasing brokers, offering contract hire, PCP, lease purchase and finance lease via a panel of funders. Directly comparable to All Vehicle Contracts on product range, target customer (UK consumers and SMEs), and credit-broker/aggregator model.
• Vanarama: Major UK vehicle leasing broker offering personal and business contract hire across cars and vans via a panel of finance providers. Directly comparable to All Vehicle Contracts on broker model, multi-funder panel, and UK consumer/B2B focus.
• Rivervale Leasing: UK vehicle leasing broker offering personal and business contract hire, PCP, and finance lease via a panel of funders. Closely comparable on credit-broker regulatory positioning, multi-product offering, and UK-only geographic focus.
• Nationwide Vehicle Contracts: UK leasing broker with similar product suite including business and personal contract hire, lease purchase, and finance lease arranged through a panel of lenders. Comparable on scale, FCA-regulated broker model, and SME/consumer customer base.
• Leasing.com: UK-focused online vehicle leasing comparison and broker platform, providing contract hire, personal contract hire, and PCP across multiple funders. Highly comparable on aggregator/broker model, online quotation flow, and consumer/SME target market.

Emerging players

• ZenAuto: UK subscription-based vehicle leasing service offering all-inclusive monthly packages. Overlaps with AVC's Personal Contract Hire with Maintenance proposition and competes for similar consumer customers wanting fixed-cost motoring.

Broad incumbents

• LeasePlan UK: Large international vehicle leasing and fleet management provider with a substantial UK presence offering operational leasing and fleet management to corporate customers. Relevant as a structural incumbent in the wider UK leasing market AVC serves, though LeasePlan operates as a lessor rather than broker.
• ALD Automotive: Global operational leasing and fleet management provider with a UK business unit serving corporate and SME customers. While an actual lessor rather than a credit broker, ALD is comparable as part of the broader UK competitive set AVC operates within for business customers.
• Arnold Clark Vehicle Management: Large UK vehicle retailer and leasing/fleet arm providing contract hire, salary sacrifice and fleet solutions to corporate and personal customers. Overlaps with AVC's UK contract hire offering and competes indirectly for similar consumer and SME customers.
• OSV (Oakwell Self Drive Vehicle Solutions): Established UK broker and fleet management provider offering contract hire, leasing, and vehicle sourcing across business and personal segments. Comparable in serving UK B2B/B2C leasing customers via a multi-funder broker model.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/avc_leasing
• Facebookfacebook.com/allvehiclecontracts
• LinkedInlinkedin.com/company/2924907
• Instagraminstagram.com/allvehiclecontracts

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

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 All Vehicle Contracts