The Secure Trust Bank Stock Funding Reference Rate was established from 1 December 2024 and is used for pricing Interest for our V12 Vehicle Finance Stock Funding product only. This rate is determined at the sole discretion of Secure Trust Bank to take account of its obtaining of funds and may vary at any time and from time to time.

Prior to the 1 December 2024 the Secure Trust Bank Commercial Lending Reference Rate was used for pricing Interest for our V12 Vehicle Finance Stock Funding product. Historic rates for the Secure Trust Bank Commercial Lending Reference Rate can be accessed from the link below.

Percentage Effective from
6.35% 1 December 2024

For our historical Commercial Lending Reference Rates, click here.

V12VF News

A blue background with writing on the left hand side which says 'Used car market trends: What dealers need to know for summer'. On the right hand side is a dealer looking into the window of a car. The V12 Stock Funding logo is in the bottom left of the image.

Used car market trends: What dealers need to know for summer 2025

Summer 2025 is shaping up to be a strong season for dealers who stay ahead.  

Orange car in the foreground with a woman to the right of the background slightly behind the car. The words 'Debunking the Myths of Stock Funding' are on a navy blue rectangle box over the front of the car.

Debunking the Myths of Stock Funding

When it comes to Stock Funding, misconceptions often deter car dealers from exploring the benefits it offers. 

5 Years Strong campaign image

Celebrating Five Years of Growing Dealers: V12 Vehicle Finance's Journey in Stock Funding

As we celebrate our fifth year of providing Stock Funding solutions, it is essential to reflect on the journey that has brought us here and the vision that propels us forward.

A dealer looking at his computer screen in an office

What is unit stocking finance? An independent car dealer's guide to unit stocking finance

Unit stocking finance. What is it? How does it work? What should I consider when choosing a finance provider to work with? These are just a few burning questions that independent car dealers may have about this type of finance. Fear not, as we're on hand with our guide featuring all things unit stocking finance.