Q-Finance

Name

Q-Finance

Legal name

Quorum Fleet Solutions Ltd

Website

https://q-finance.co.uk

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Q-Finance is a UK FCA-authorized credit broker that connects consumers and dealers with a panel of 30+ lenders to arrange vehicle finance across six vehicle categories, earning lender-paid commission on each funded deal.

Ownership category

akta.pro rank

Product category

Auto Finance Brokerage

NAICS

Other Activities Related to Credit Intermediation (522390), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

Auto & Vehicle Loan Brokerage (FSAEAEAK)

akta.pro secondary industry

New & Used Auto Purchase Loans (FSAKADAA)

Keywords

• Vehicle finance brokerage
• Car finance broker
• Auto credit broker
• Hire Purchase finance
• PCP finance broker

Headquarters

HQ city

Durham

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Commission from Lenders: Q-Finance acts as a credit broker and earns commission from lenders when customers enter finance agreements. The commission is paid by the lender and disclosed in writing prior to signing the credit agreement.
2. Finance Products: Offers various finance products including HP (Hire Purchase), PCP (Personal Contract Purchase), Leasing, and VAT Assist on both cars and commercial vehicles.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels3 records

Core offering

Q-Finance is a UK credit broker that arranges vehicle finance for individual consumers and businesses by connecting applicants with a panel of over 30 lenders spanning Prime to Sub-Prime credit profiles. Available finance structures include Hire Purchase (HP), Personal Contract Purchase (PCP), Leasing, and VAT Assist across new/used cars, commercial vehicles, prestige cars, motorhomes/campervans, electric cars, and classic cars. The company also provides dealer partners with an online proposal tool and portal to source finance for their customers.

Product overview

Q-Finance is a UK car finance broker operated by Quorum Fleet Solutions Ltd, FCA authorized (FRN: 736148). The core offering is Vehicle Finance — a broker service that connects consumers and businesses with a panel of lenders to arrange car and commercial vehicle financing. The product portfolio spans six vehicle finance categories: New & Used Cars, Commercial Vehicles, Prestige Cars, Motorhomes & Campervans, Electric Cars, and Classic Cars. Finance structures available include Hire Purchase (HP), Personal Contract Purchase (PCP), Leasing, and VAT Assist. The company also offers an online Dealer Partner Portal — a dealer-facing tool providing access to 30+ funders for submitting and tracking finance proposals. The customer journey involves online pre-approval (in under 60 seconds), vehicle selection, and arrangement of finance with direct payment to dealers.

Differentiator

Problem solved

Functional benefit

Products and services

• Vehicle Finance Brokerage Credit broking service arranging Hire Purchase (HP), Personal Contract Purchase (PCP), Leasing and VAT Assist vehicle finance through a panel of over 30 lenders spanning Prime to Sub-Prime credit profiles. Aimed at UK consumers and businesses purchasing cars, commercial vehicles, prestige cars, motorhomes/campervans, electric cars and classic cars.
• New & Used Car Finance Finance packages arranged for purchasing new and pre-owned passenger cars from any UK dealer through Q-Finance's lender panel.
• Commercial Vehicle Finance Specialised finance solutions for vans, trucks and other commercial vehicles, including full Hire Purchase, PCP, leasing and VAT Assist packages for sole traders and businesses.
• Prestige Car Finance Finance arrangements designed for high-end luxury and performance vehicles from marques such as BMW, Jaguar and Land Rover.
• Motorhome & Campervan Finance Specialised vehicle finance for recreational motorhomes and campervans arranged through Q-Finance's lender panel.
• Electric Car Finance Finance arrangements for electric and hybrid vehicles, supporting consumer transition to low-emission vehicles through the lender panel.
• Classic Car Finance Finance options for vintage and classic vehicle purchases arranged through specialist lenders on the panel.
• Dealer Partner Portal Online dealer-facing portal (autoconvert.co.uk) giving UK car dealers access to over 30 funders from Prime to Sub-Prime, proposal submission tools, application tracking, and account management support for arranging customer finance.

Quantifiable outcome

• Pre-approval available in under 60 seconds
• +1 more outcomes

Named customers8 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered minor.

• Trust PilotminorGTM or Marketing PartnerReview platform used by Q-Finance to display customer testimonials and build trust with prospective customers.
• Judge ServiceminorGTM or Marketing PartnerCustomer review and testimonial service for automotive industry.
• Good Garage SchememinorChannel Partner/ Reseller/ DistributorNetwork of approved garages that may refer customers or work with Q-Finance for vehicle financing.
• FacebookminorGTM or Marketing PartnerAdvertising platform used by Q-Finance for targeted marketing campaigns.

Scale indicators2 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• Volkswagen Financial Services: OEM captive finance provider for the Volkswagen Group in the UK. Comparable to Q-Finance on auto finance product and VW dealer relationships, but operates as a balance-sheet lender rather than intermediary.
• Carwow: UK car buying marketplace that also offers finance products to consumers purchasing vehicles through its platform. Comparable on UK vehicle purchase funnel, though primary business is marketplace, not brokering.
• Black Horse (Lloyds Banking Group): Major UK motor finance provider within Lloyds Banking Group, offering dealer point-of-sale finance across new and used vehicles. Comparable to Q-Finance as a counterparty in dealer finance flows but operates as a lender, not a broker.

Emerging players

• Bumper: UK automotive payments platform offering short-term finance options for vehicle servicing and purchases. Adjacent competitor to Q-Finance in the broader UK vehicle finance consumer space.
• Carmoola: Digital-first UK car finance platform offering consumer-friendly, mobile-led vehicle finance. Comparable to Q-Finance on product and customer, but differentiated by a pure-play fintech, app-led delivery model.

Direct peers

• Moneybarn: UK specialist vehicle finance provider focused on sub-prime and non-standard credit borrowers, with broker-style distribution. Comparable to Q-Finance on customer segment and vehicle finance focus.
• Evolution Money: UK specialist lender serving customers with adverse or limited credit history, including guarantor loans. Comparable to Q-Finance's sub-prime vehicle finance positioning.
• Zuto: UK car finance credit broker that matches customers with a panel of lenders for vehicle purchase finance. Closely comparable to Q-Finance on business model, target customer (UK car buyers), and intermediary role.
• CarFinance247: Long-established UK car finance broker offering PCV, HP, and lease products via a panel of lenders. Directly competes with Q-Finance on the same intermediary, commission-based model.

Others

• Monevo: UK-based personal loan search and credit broker platform. Operates a similar multi-lender broker model to Q-Finance, but for unsecured personal loans rather than vehicle finance specifically.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/QFinancedeals
• Facebookfacebook.com/QFinancedeals
• LinkedInlinkedin.com/company/qfleet

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 Q-Finance