GT HUB

What GT HUB does

GT HUB is a privately held UK direct lender headquartered in Leeds (Company No. 13860365), founded in 2023, that provides asset-backed finance against supercars and classic cars. The company deploys its own balance-sheet capital rather than operating as a broker or intermediary, and underwrites bespoke cases that fall outside standard high-street lending criteria. Its offering comprises four products: Lease Purchase (deposit from 20%, fixed monthly payments, final balloon to take ownership), Equity Release (up to 75% of vehicle value, with optional quarterly settlement), Sale & Lease Back (interest-only payments to transition from existing finance), and Short Term Buy Back (typically up to 60 days to repurchase the vehicle). Minimum funding levels start at £60,000, or £25,000 where the business-use exemption applies.

The company targets HNW individuals, entrepreneurs, business owners, self-employed professionals, non-domicile residents with UK business interests, and borrowers with credit imperfections such as CCJs. GT HUB's stated approach is case-by-case underwriting that weighs asset quality, loan structure, and overall financial position rather than relying on standardized credit scores. Underwriting knowledge held by its founding partners and an underwriting SLA of an initial view within 48 hours form the operational backbone; no proprietary technology stack, platform, or AI tooling is disclosed.

GT HUB's go-to-market is direct-to-consumer via website enquiry forms, telephone sales, blog content, social channels (Facebook, Instagram, LinkedIn, Twitter, YouTube), email newsletters, dealer/broker introductions, and event participation (Goodwood Festival of Speed). Revenue is generated from interest and fees on originated loans and lease arrangements; the firm is bootstrapped with no disclosed external funding, and revenue figures are not published.

Name

GT HUB

Legal name

GT HUB Ltd

Website

https://gthub.co.uk

Company type

Private

Founded year

2023

Operating status

Operating

Headcount range

1–10 employees

Short description

GT HUB is a UK direct lender offering bespoke asset-backed finance (lease purchase, equity release, sale and leaseback, short-term buy back) on supercars and classic cars for high-net-worth individuals, entrepreneurs, and self-employed borrowers.

Ownership category

akta.pro rank

Product category

Specialty Vehicle Finance

akta.pro primary industry

Direct Lending — Specialty Finance (Consumer/SME Lending Platforms) (FSAHAJAF)

akta.pro secondary industry

Fleet & Commercial Vehicle Finance (FSAKADAE)

Keywords

• Specialty auto finance
• Asset-based lending
• Luxury vehicle finance
• Vehicle equity loans
• Supercar financing

Headquarters

HQ city

Leeds

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. Asset-backed Lending: GT HUB generates revenue through interest and fees on loans provided for supercar and classic vehicle financing. The company operates as a direct lender using its own capital, providing lease purchase finance, equity release, sale and leaseback, and short-term buy back solutions.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

GT HUB is a UK-based specialist direct lender using its own capital to provide bespoke financing solutions for supercars and classic cars. It offers four core products — Lease Purchase, Equity Release, Sale & Lease Back, and Short Term Buy Back — targeting entrepreneurs, business owners, and high-net-worth individuals whose financial profiles fall outside standard lending criteria.

Product overview

GT HUB operates as a direct lender offering a suite of four bespoke financing products for the supercar and classic car market: Lease Purchase (for acquiring vehicles with a path to ownership), Equity Release (for accessing capital against owned vehicles), Sale & Lease Back (for transitioning from existing finance while retaining vehicle use), and Short Term Buy Back (for short-term capital needs with vehicle repurchase options). The company targets entrepreneurs, business owners, and high-net-worth individuals, providing asset-backed lending solutions that fall outside standard lending criteria.

Differentiator

Problem solved

Functional benefit

Products and services

• Lease Purchase A finance solution that enables acquisition of supercars and classic cars, where GT HUB purchases the vehicle and leases it to the customer over an agreed term with a final payment to transfer ownership. Requires a deposit from 20%.
• Equity Release A solution that enables vehicle owners to access capital (up to 75% of vehicle value) against their existing supercar or classic car without selling the vehicle, retaining possession and use throughout the term with the option to repurchase.
• Sale & Lease Back A solution where GT HUB purchases the customer's vehicle and leases it back, allowing continued use while transitioning from an existing finance agreement, with the option to repurchase at term end.
• Short Term Buy Back A short-term liquidity solution where GT HUB purchases the customer's vehicle and provides funds, with an agreed period (typically up to 60 days) for the customer to buy the vehicle back. Structured as a purchase transaction rather than a loan agreement.

Quantifiable outcome

• Initial view provided within 48 hours of receiving required information

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Marsh Finance: UK specialist lender with heritage in classic and vintage vehicle finance, offering asset-backed loans to enthusiasts and collectors. Comparable niche specialization to GT HUB's classic car finance offering.
• Premier Car Finance: UK specialist lender focused on prestige and high-end vehicle finance for both personal and business use. Overlaps with GT HUB on HNW targeting and bespoke underwriting for non-standard profiles.
• JBR Capital: UK-based specialist lender focused on supercar and high-value vehicle finance, including hire purchase, lease purchase, and refinancing. Closely comparable to GT HUB in target customer (HNW/collectors), product set, and direct-lender model.
• Oracle Finance: UK specialist asset finance provider offering bespoke lending against prestige, classic, and high-value vehicles. Comparable to GT HUB in product types (lease purchase, refinance/equity release) and direct-to-consumer distribution.
• Status Car Finance: UK specialist car finance broker focused on non-prime, complex, and prestige vehicle finance. Comparable to GT HUB in serving borrowers outside mainstream credit criteria, though operating as a broker rather than a direct lender.

Emerging players

• Enigma Vehicle Finance: UK specialist lender offering hire purchase and lease purchase for prestige vehicles, including business-use structures. Comparable niche focus and customer profile to GT HUB.
• GoGoCar Finance: UK specialist lender focused on prestige and performance car finance for personal and business use. Comparable emerging specialist in the supercar lending niche GT HUB serves, though smaller in scale.

Broad incumbents

• Black Horse (Lloyds Banking Group): UK motor finance provider offering car loans, lease, and PCP across new and used vehicles. Comparable as an incumbent auto finance provider, though focused on mainstream rather than the HNW/supercar niche GT HUB serves.
• Alphera Financial Services: UK specialist premium vehicle finance provider (BMW Group) offering finance for new and used prestige vehicles. Comparable in luxury vehicle finance focus, though tied to OEM captive relationships rather than GT HUB's direct independent model.
• Investec Asset Finance: UK private bank offering high-end vehicle and asset finance to HNW clients as part of a broader wealth management franchise. Overlaps with GT HUB in target customer and luxury vehicle lending, but with materially broader product scope.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/61550490597744
• LinkedInlinkedin.com/company/gt-hub-ltd

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 GT HUB