Balloon Financing
Low monthly outgoings on a supercar or hypercar, with a deferred bullet at term end.
At a Glance
Who it’s for
- Collectors holding the car for a defined horizon rather than indefinitely
- Operators managing cashflow against other illiquid commitments
- Principals matching loan amortisation to a known liquidity event
- Buyers acquiring a new car while a sale-or-refinance plan crystallises
Typical use cases
- Acquiring a delivery-mileage hypercar with a 36-month hold view
- Funding a limited-series build while preserving working capital
- Stepping into a blue-chip classic before a planned portfolio rebalance
- Refinancing an existing facility into a lower-amortising structure
Eligible vehicles
- Modern supercars, hypercars and limited series from blue-chip marques
- Investment-grade classics, typically pre-1995 with verified provenance
- Race and competition cars with documented history, on enquiry
- Minimum value £200k / $250k
Key Terms
Eligibility
Borrower Profile
Borrower profile bullets pending.
Vehicle Criteria
Vehicle criteria bullets pending.
Process & Timeline
Initial Enquiry
Day 0. Share the asset, target balloon split and intended exit. We respond with an indicative LTV band and a sketch of monthly versus terminal cost.
Valuation & Term Sheet
Day 1 to 3. Independent valuation from a recognised specialist, followed by a term sheet specifying amortisation profile, balloon percentage and end-of-term options.
KYC & Documentation
Day 3 to 7. Standard KYC, source of funds and source of wealth, alongside title, service history and storage particulars. Cross-border files run in parallel.
Funding & Security
Day 7 to 10. Drawdown against registered security. Direct settlement with the seller, dealer or auction house, in the agreed currency.
Documents Required
- • Passport or government ID for all beneficial owners
- • Proof of address dated within three months
- • Source of funds and source of wealth declaration
- • V5C, Carte Grise or jurisdictional title equivalent
- • Full service history and specialist certification where applicable
- • Purchase invoice, allocation letter or auction settlement
- • Comprehensive insurance certificate naming the lender as loss payee