Jigsaw Finance

What Jigsaw Finance does

Jigsaw Finance Limited is a UK-registered credit broker (FCA FRN 679612) founded in 2000 and headquartered in Stoke-on-Trent, with additional offices in Macclesfield and Oldham. The company connects UK car dealers and individual consumers with a panel of 30+ motor finance lenders, earning transaction-based commission from lenders while offering the brokerage service free of charge to customers. Its product set spans the full UK consumer and business vehicle finance stack: Personal Contract Purchase (PCP), Hire Purchase (HP), Conditional Sale (CS), Lease Purchase (LP), Contract Hire, plus specialist near-prime and commercial vehicle finance.

The technology core is the proprietary Artis CRM platform, developed in-house post-2023, which connects dealerships with the lender panel and integrates with major UK dealer management systems (DealTrak, Codeweavers, AutoConvert) via direct API connections. The companion Optimus web-based point-of-sale system enables dealers to build finance proposals, calculate illustrations, submit applications, and track progress in real time. The company pairs this technology with manual underwriting, dedicated dealer account managers, and a white-label application experience that can be embedded on dealer websites.

The go-to-market is hybrid B2B/B2C. On the B2B side, Jigsaw sells through a nationwide dealer introducer network supported by direct account management, technology integration, and shared commission structures. On the B2C side, consumers can apply directly online with a soft credit search, receive indicative decisions in approximately 30 minutes, and are guided to FCA-authorised UK dealers for vehicle selection. Commission is paid by lenders a month in arrears, and dealer introducers may receive a share of that commission. Since being acquired in 2023 by co-owners James Weir and Alex Hurst, the business has scaled lending volumes by 414%, expanded the team to 50 people, and earned recognition in The Sunday Times 100 (2024) as one of Britain's fastest-growing private companies.

Name

Jigsaw Finance

Legal name

Jigsaw Finance Limited

Website

https://jigsawfinance.com

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

11–50 employees

Short description

Jigsaw Finance Limited is a UK-registered FCA-authorised credit broker founded in 2000, connecting car dealers and individual consumers with a panel of 30+ motor finance lenders through its proprietary Artis CRM and Optimus point-of-sale platforms, earning transaction-based lender commission.

Ownership category

akta.pro rank

Product category

Motor Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Personal Loan & Unsecured Credit Intermediation (FSAEAEAM)

akta.pro secondary industry

Vertical-Specific POS Financing (e.g., Healthcare, Auto, Home Improvement) (FSAGAIAK)

Keywords

• Motor finance brokerage
• Vehicle finance products
• Car dealer financing
• Consumer credit broking
• Auto finance broker

Headquarters

HQ city

Stoke-on-trent

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Lender Commission: Jigsaw Finance receives commission payments from lenders for arranging finance. Commission is calculated either as a fixed fee or a percentage of the amount borrowed, determined by the commercial agreement with each lender. Commission is paid a month in arrears (around the 15th of the month). The company may share a portion of this commission with introducing motor retailers. Commission arrangements are disclosed to customers before proceeding.
2. Dealer Partner Commissions: Dealer introducers earn commission on finance agreements they submit. The standard model uses rate-for-risk driven by scorecard with fixed commission payable. Bespoke fixed APR models with detailed commission schedules can also be agreed. Early/partial settlement of agreements results in commission being debited back in line with existing arrangements.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Jigsaw Finance is a UK credit broker (not a lender) that arranges motor finance by connecting car dealers and individual consumers with a panel of over 30 lenders. The company offers finance products including Personal Contract Purchase (PCP), Hire Purchase (HP), Conditional Sale, Lease Purchase, and Contract Hire, supported by its proprietary Artis CRM platform and Optimus point-of-sale system that integrate with dealer management systems.

Product overview

Jigsaw Finance operates as a motor finance broker connecting UK car dealers and customers with a panel of over 30 lenders. The core offering includes Artis (proprietary in-house CRM platform) and Optimus (web-based point of sale system) that integrate with dealer management systems like DealTrak, Codeweavers, and AutoConvert. The finance product portfolio spans Personal Contract Purchase (PCP), Hire Purchase (HP), Conditional Sale (CS), Lease Purchase (LP), and Contract Hire, plus Business Finance and Specialist/Near-Prime options for customers with complex credit histories. The Car Finance Calculator provides indicative payment estimates. The company serves both dealer partners (via Artis and Optimus platforms) and consumer customers (via the calculator and direct application process), acting as a credit broker rather than a lender.

Differentiator

Problem solved

Functional benefit

Products and services

• Artis Proprietary in-house CRM platform that connects dealerships with a broad panel of lenders and key industry systems, helping make the vehicle finance process quicker and more efficient for dealers and customers.
• Optimus Web-based point of sale system designed specifically for car dealers, enabling them to build finance proposals, calculate HP, PCP and Lease Purchase illustrations, submit applications, and track progress in real-time.
• Personal Contract Purchase (PCP) A loan secured against the vehicle where repayments are based on part of the vehicle's value, featuring a Guaranteed Minimum Future Value (GMFV) offset until the end of the agreement, with 2-4 year terms.
• Hire Purchase (HP) A hiring agreement secured against the vehicle over 1-5 years with fixed monthly repayments including interest, with option to own the vehicle by paying an Option to Purchase Fee at the end.
• Conditional Sale (CS) Similar to Hire Purchase where ownership transfers only after all repayments are made, but without an Option to Purchase Fee at the end of the contract.
• Lease Purchase (LP) Finance agreement where a portion of the total cost is deferred until the end of the agreement, with monthly payments based on total cost less the deferred amount, which is estimated based on vehicle usage.
• Contract Hire Personal or Business Contract Hire allowing lessees to use a vehicle for a set period and then return it, with fixed monthly rental payments based on a fixed annual agreed mileage, with no option to buy.
• Business Finance and Leasing Finance options including finance lease and business hire purchase for commercial vehicles and business users, supporting trading accounts, VAT profiles, and seasonal cash flow.
• Specialist and Near-Prime Finance Finance solutions for applications that fall outside mainstream criteria, using manual underwriting and a broad lender panel to approve customers with complex credit histories.

Quantifiable outcome

• 414% increase in lending volumes since 2023
• +3 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature4 records

Partnerships

Three partnerships are on record, tiered core.

• DealTrak LimitedcoreTechnology or IntegrationDealer management system integration partner. Dealers using DealTrak can send applications directly from their existing software without double-handling.
• CodeweaverscoreTechnology or IntegrationDMS integration partner allowing seamless application submission from dealer systems. Codeweavers integration enables real-time visibility and faster processing.
• Auto ConvertcoreTechnology or IntegrationDealer software integration partner. Direct API connections allow applications to be sent from Auto Convert system with real-time progress tracking.

Scale indicators7 records

Recent moves9 records

Expansion highlights6 records

Emerging players

• carwow: Online car-buying platform that has moved into finance intermediation with a multi-lender panel; competes for direct-to-consumer car finance intent, though its core focus remains vehicle marketplace.

Broad incumbents

• Auto Trader: Dominant UK car marketplace that has expanded into finance intermediation and related products; a broader incumbent providing an alternative route for car finance consumers that overlaps with Jigsaw's direct consumer channel.

Direct peers

• MotoNovo Finance: Major UK motor finance lender active in dealer-originated business with both direct and broker relationships; competes for the same dealer-introduced flow as Jigsaw.
• Oodle Car Finance: UK digital motor finance lender operating through broker channels; sits on Jigsaw's lender panel but is a comparable operating model in the broker-driven prime motor finance space.
• Moneybarn: UK vehicle finance lender focused on near-prime and subprime customers via dealer and broker channels; also appears on Jigsaw's panel and competes for similar borrowers and dealers.
• First Response Finance: UK motor finance lender focused on dealer-originated applications, including sub-prime and complex cases; competes with Jigsaw on near-prime and specialist lending.
• Evolution Funding: UK motor finance broker group focused on dealer-introducer relationships with proprietary technology and a multi-lender panel, structurally very similar to Jigsaw's dealer channel.
• Zuto (formerly CarFinance247): One of the UK's largest consumer-facing car finance brokers, operating a panel of lenders and online application flow that closely mirrors Jigsaw's direct-to-consumer and dealer-introducer model.
• CarMoney: UK car finance broker with both consumer and dealer channels serving prime and subprime customers via a multi-lender panel — directly comparable in customer segments and product mix to Jigsaw.
• Creditplus: UK credit broker arranging car finance, personal loans, and homeowner loans through a lender panel — overlapping on consumer car finance intermediation.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/jigsawfinance
• Facebookfacebook.com/jigsawfinanceltd
• LinkedInlinkedin.com/company/jigsaw-finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 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 →

Frequently asked questions about Jigsaw Finance