Let’s keep it simple. You’re buying and selling cars. You need flexible funding, that helps your dealership grow and doesn’t give you a headache.
That’s where we come in.

With V12 Stock Funding, you get a no-fuss facility to fund the right vehicles, from the right places – at the right time. We’re a brand of Secure Trust Bank, which means we’ve got the heritage and financial muscle. But we don’t talk in banker-speak.  We’re automotive experts.  We talk dealer.

Let's talk

Need more Information?

Call our friendly team today on: 0330 303 0091 (Option 1)

Stock funding that works how you do

Need more metal on your forecourt without tying up all your cash?

Our stock funding is built for dealers who are buying smart and selling fast. Whether you're sourcing from auction, trade or part-ex, we’ll help you get the right cars on pitch without the up-front squeeze. You stay in control of your cashflow. You focus on moving stock. We’ll handle the funding bit.

Ready to ramp it up? Let’s talk.

Why switch to us?

Straight Up Pricing

What you see is what you get. No hidden costs. No surprise fees.

Fast & Flexible

Use your funding when and where you need it – auctions, trade, part-ex. Your call.

Easy Set-up

No red tape. Just a quick, dealer-friendly process that gets you going faster.

Proper Support

One point of contact. No bots. Just real people who’ve got your back.

Stock more. Stress less.

Download our brochure to see how V12 Stock Funding can help you keep your forecourt full and your cashflow healthy.

Download Brochure

Your stock. Your way.

Our Stock Funding plan is built to flex around your business. Whether you’re picking up cars at auction, taking part-exes, or grabbing a quick trade deal – we’ve got you covered.

This is funding that fits the way you actually buy and sell.

Like the sound of that? Give us a buzz!

Let's talk

Here’s what you get with a V12 Stock Funding account:

  • Fund up to 100% of CAP Clean, including VAT on LCVs
  • Use it for part-ex, trade and auction stock – wherever the deal is, it works
  • Add and remove vehicles anytime – no hassle, no delays
  • Keep your cashflow flowing – so you can stock smarter and scale faster

How it works

Use your funding account with:

  • Trade and part-ex purchases
  • Major auctions like Wilsons, Aston Barclay, 1Link, Fleet Auction Group, City Auction Group, G3
  • Large new auction partner launching soon  (watch this space)


Want to buy from somewhere else? Let’s talk.

Let’s talk

If it’s on four wheels and sells well, chances are we’ll fund it.

  • Cars up to 15 years old and 150k miles
  • Electric and hybrid stock – the greener, the better
  • Light Commercial Vehicles (LCVs) – VAT included
  • Mobility vehicles – no problem

Not covered: Motorbikes, HGVs or anything on two wheels (we’ll leave those to someone else)

Simple setup. Day-one clarity.

You’ll always know where you stand – no jargon, no faff. Here’s what we need to get started:

  • VAT registered business
  • UK business bank account
  • 12+ months of trading
  • Registered with Companies House

Questions? If you’re unsure – just give us a shout. We’re friendly like that.

Let’s talk

What’s in the box with V12 Stock Funding?

(Well, not an actual box... but you get the idea.)

Big ticket? No problem.

Up to £65K per car – more room for the right stock.

Got stock lined up? No rush.

You’ve got up to 6 months to add it to your account.

All the extras? Covered.

Hammer price, fees, delivery, VAT – even touch-ups. If it’s part of the deal, we fund it.

One web portal to rule them all

CALMS keeps it neat. Add, manage, pay – no phone queues, no faff.

Just one payment

One Direct Debit, once a month. No “Oops, forgot to pay that bit” stress.

Buy from whoever, wherever

Auctions, trade, or part-ex. We’ve got you.

Up to 120 days to shift it

You focus on the sale. We’ll hold the funding fort.

Auction win? Boom. Funded fast.

We’re plugged into your favourite auctions. Win the bid, we handle the cash bit.

Like ticking all those boxes?

Let’s get you sorted

Start stock funding in 5 quick steps

Our handy video shows you how to open a V12 Stock Funding account - no hassle, clear and easy to follow.

Apply here

What does stock funding actually look like?

Here are some examples of how stock funding can support different types of dealerships – based on different dealer scenarios.

 

Dealer A

Location: Lancashire
Annual turnover: £350K

  • 2017 Ford Focus - Trade source
  • £6,250 funded (100% CAP Clean)
  • VAT is Funded. Fees are Covered.
  • 120 days to sell, no upfront squeeze
  • Still had cash left to fix the forecourt sign

Dealer B

Location: Shropshire
Annual turnover: £500K

  • 2016 Nissan Qashqai - Part-ex uplift
  • £7,800 funded
  • Small repair funded too

Dealer C

Location: Warwickshire
Annual turnover: £1.2M

  • 2021 VW Golf GTD - Snagged with another funder
  • £17,450 funded incl. auction fees
  • Delivery Sorted, VAT Sorted.
  • On site next day, sold in under 30 days
  • Spent the saved cash on a Google Ads boost

Dealer D

Location: Yorkshire
Annual turnover: £4.5M

  • 10 cars in one week from 3 different auctions
  • £130,000 facility in action
  • All auto-funded via auction integrations
  • One monthly payment - admin team loves it
  • Keeps the stock turning, and the numbers ticking

Could your next deal look like this?

Let’s run the numbers and show you what stock funding could do for your forecourt.

Build My Plan