Bonded Warehouse Car Financing
Purpose-built finance for cars under bond, with duty/VAT considerations handled.
75%
Max LTV
48hrs
Approval
24mo
Typical Term
£8m
Max Ticket
At a Glance
Who it's for
- Dealers holding stock under bond
- Importers managing duty timing
- Collectors deferring VAT payments
Typical use cases
- Pre-sale inventory financing
- Duty/VAT deferral strategies
- Cross-border holdings
Eligible vehicles
- Vehicles in approved bonded facilities
- Clear title and import docs
- Suitable for UK & EU markets
Key Terms
LTV Range
60–75% of pre-duty value
Rate & Fees
From 0.80% per month + arrangement fee
Tenor
6–24 months, renewable
Security
First lien on vehicle + warehouse agreement
Jurisdictions
UK, EU bonded facilities
Special Considerations
Duty & VAT
Financing structured on pre-duty value. Duty/VAT payable upon removal from bond.
We can coordinate with customs agents and facilitate duty payment if required.
Storage & Movement
Vehicle must remain in approved bonded warehouse during loan term.
Movement permissions require lender approval. Insurance mandatory.
Warehouse Lien
We work with warehouse operators to establish first-position lien and control release.
Exit Options
Refinance to equity release on duty payment, or settle on sale. Flexible structures available.
Documents Required
- • ID & KYC documentation
- • Vehicle title & import paperwork
- • Bonded warehouse agreement
- • Valuation & condition report
- • Insurance certificate
- • Customs/duty documentation