V12 Vehicle Finance – powered by Secure Trust Bank – is a comprehensive, used vehicle proposition that is unique to the industry. Our powerful hub of products make it easy for you – the dealer – to source, buy, sell and finance used vehicles.

Part of the Secure Trust Bank family, we have the financial backing and stability to make our pricing, products and services work for you. Our customer‐first culture means we understand what makes your business succeed helping ensure your customers’ needs are fully satisfied with our wide range of products.

Our highly experienced and friendly team, with a rich background from many areas of the used vehicle industry, is committed to helping independent and franchised dealers sell more used vehicles, more often.

We look forward to meeting you very soon.

Yours sincerely

David Mercer
Managing Director
V12 Vehicle Finance

David Mercer

Our Strategic Partner

The V12 Vehicle Finance hub brings together the best technology and used vehicle industry strategic partner to provide a unique portfolio of products and services.

Aston Barclay

Aston Barclay Logo

Aston Barclay Wakefield Auction Aston Barclay vehicle search

Aston Barclay, the UK’s leading independent remarketing group and third largest vehicle auction house, understands the importance automotive companies place on their used vehicle operations through the transition from retail to wholesale market places.

Their suite of intuitive, digital solutions combine with a network of state of the art remarketing hubs to ensure that clients have access to an end to end solution, connecting customers to vehicles and maximizing value and returns at all stages of the used vehicle life cycle.

Partnering with Aston Barclay enables V12 Vehicle Finance to provide a seamless used vehicle proposition and powerful hub unique to our industry.

Aston Barclay vehicle remarketing Aston Barclay LCV sales

Our Values

We have a strong set of values that we aim to live every day. These values along with our Grow, Sustain and Love strategy continue to help us in building a great business for our Customers, Colleagues and Shareholders. We are passionate about being fair, friendly, polite and helpful in every interaction we make.

To find out more about our values and what they mean to you, click below.

Read More About Our Values

Meet the team

David Mercer

David Mercer

Managing Director

David joined Secure Trust Bank as managing director of its motor finance division in January 2018.

Tim Maffey

Tim Maffey

Finance Director

Tim has 20 years’ experience in the finance and risk sectors, having spent over 18 years...

Howard Paley

Howard Paley

Product Director

Howard joined Secure Trust Bank in June 2018 in the newly created role of product director...

Nikki Tyler

Nikki Tyler

Operations and Service Solutions Director

Nikki has responsibility for the operational efficiency of the vehicle finance business...

Michael Kelleher

Michael Kelleher

Head of Wholesale Lending

Michael’s career in finance spans some 23 years having worked within various corporates such as Siemens and LEGO...

Ciara Raison

Ciara Raison

Sales Director

Ciara joined Secure Trust Bank’s vehicle finance division in January 2018 with responsibility for growing market share...

Andrew Dale

Andrew Dale

Head of Credit Risk

Andrew has 19 years’ experience in credit risk managing inhouse risk teams...

Donna Moore

Donna Moore

Senior Compliance Manager

Donna is a compliance specialist with over 10 years’ compliance experience...

  • David Mercer
  • Tim Maffey
  • Howard Paley
  • Nikki Tyler
  • Michael Kelleher
  • Ciara Raison
  • Andrew Dale
  • Donna Moore
  • David Mercer

    David Mercer

    Managing Director

    David joined Secure Trust Bank as managing director of its motor finance division in January 2018. He has over 35 years’ experience in the motor industry having started his career at Arthur Andersen, prior to joining Ford Credit. David held senior positions at Manheim Europe before setting up NextGear Capital in the UK.

  • Tim Maffey

    Tim Maffey

    Finance Director

    Tim has 20 years’ experience in the finance and risk sectors, having spent over 18 years with GE Capital, during which time he held a variety of roles culminating in the position of risk operations leader. Tim joined Secure Trust Bank in January 2018.

  • Howard Paley

    Howard Paley

    Product Director

    Howard joined Secure Trust Bank in June 2018 in the newly created role of product director. Howard is responsible for driving the creation of new vehicle finance products and managing delivery and lifecycle. Howard joined from Ricoh Capital, prior to which he worked for Ford Credit for over 20 years.

  • Nikki Tyler

    Nikki Tyler

    Operations and Service Solutions Director

    Nikki has responsibility for the operational efficiency of the vehicle finance business, including all current and future IT development. Nikki has been with Secure Trust Bank for fifteeen years, the last two years in the Motor Department.

  • Michael Kelleher

    Michael Kelleher

    Head of Wholesale Lending

    Michael is a certified accountant with seven years’ experience with Grant Thornton, Ireland. He has also held controllership roles in the UK with the Daily Mail and General Trust plc, as well as having fulfilled finance and leadership roles within public limited company (plc) environments for AMEC plc and Siemens plc, and operational responsibility of LEGO Education, Europe. Michael also spent four years as finance director and member of the leadership team at NextGear Capital.

  • Ciara Raison

    Ciara Raison

    Sales Director

    Ciara joined Secure Trust Bank’s vehicle finance division in January 2018 with responsibility for growing marketshare within the franchised and independent dealer sector and leading the sales and insight team. Ciara was previously head of sales for Close Brothers Motor Finance and has also worked for Royal Bank of Scotland, NatWest and Aviva.

  • Andrew Dale

    Andrew Dale

    Head of Credit Risk

    Andrew has 19 years’ experience in credit risk managing inhouse risk teams for a number of UK Banks. He has also spent time as a consultant for Equifax working for a number of their European customers. Andrew joined Secure Trust bank in July 2015 as head of credit risk for motor and retail.

  • Donna Moore

    Donna Moore

    Senior Compliance Manager

    Donna is a compliance specialist with over 10 years’ compliance experience and joined Secure Trust Bank in 2015. She is responsible for establishing, implementing and maintaining a regulatory framework to ensure the consumer credit business complies with regulatory requirements. Donna is a member of The London Institute of Banking & Finance and the International Compliance Association. Prior to joining Secure Trust Bank, Donna worked as a compliance advisor at Deutsche Bank.

  • David Mercer
  • Tim Maffey
  • Howard Paley
  • Nikki Tyler
  • Michael Kelleher
  • Ciara Raison
  • Andrew Dale
  • Donna Moore