What is stock funding and why do you need it?
Funding helps you to stock your forecourt with vehicles without using your own funds. You can tailor your borrowing based on your business needs throughout the year.
We’ll agree a funding facility with you up to a certain monetary limit, which you use to buy stock, from anywhere, and repay us once you’ve sold the vehicle or within the agreed terms.
“Close Brothers Motor Finance have given us the best funding platform in the market."
David Wilson - Henson Motor Group
Get the vehicles your customers want
Our exclusive forecourt and industry insights ensure you have the right stock for your customers, reducing ‘days-to-turn’ and maximising profits.
Free up your cash flow
Buying vehicles without using your own funds means you can invest elsewhere in your dealership.
Grow your business
Funding can help you purchase vehicles for your forecourt to grow your business.
Funding packages
All our funding products offer loans from £30,000 upwards with no upper limit.

SOPRA (formerly APAK)
Using the SOPRA system, you can add or remove vehicles when you want, monitor and control the cost of funding individual units, and stock your forecourt at a competitive rate.
- Loan secured against funded vehicle stock
- Drawdown up to 80% of the invoice value of the vehicle
- Fund for up to 90 days as standard with interest accrued on the loan balance at an agreed variable rate . The value of part exchange vehicles can also be funded.
- Full control over the funding facility
- Monitor the cost of individual units
- Monthly vehicle forecourt audit

Stocking loan
Stock your forecourt at a competitive rate using a stocking loan. It's outside of system-defined parameters and a flexible way to stock. And you can reduce admin overheads as you won’t need to remember to add or remove vehicles. Plus, there's no monthly audit.
- Loans can be unsecured, but security may be needed
- Repay by standing order
- Variable interest rate
- Loans can be arranged between 12 and 36-month terms
- Flexible stocking option

Business development loan
A business development loan is a shorter-term loan which you can use to buy stock or make improvements to your forecourt. Get fixed repayments and end points and a flexible way to stock your forecourt. And you can reduce admin overheads as you won’t need to remember to add or remove vehicles. Plus, there's no monthly audit.
- Unsecured
- An interest free capital loan, repayable by standing order
- Fixed repayments over a term of 12 months

Forecourt Insight
Our powerful new data tool will change the way you run your forecourt and revolutionise how you manage stock. In partnership with Auto Trader, this unique innovation for the motor industry brings your data to life, helping you make informed decisions and maximise profitability, whilst enabling you to adapt to market conditions.
- Easily identify the most desirable stock to suit your customer base
- Sell quickly and be accurate with pricing
- Eliminate under-pricing and over-pricing to improve days to sell
- Achieve your business goals
Get funded within five working days of approval
Your new funding option could be set up within five working days.
1. Discuss your options
Your account manager will discuss our funding product range with you and suggest a bespoke funding package suited to your needs.
2. Gather information
We’ll support you in gathering the necessary information, including credit searches, bank statements, personal assets and liability statements, and latest signed accounts.
3. Review application
Your account manager will work with our Credit team to review your application, ensuring the underwriting team have a good knowledge of your business to make an informed decision.
4. Sign paperwork
Paperwork signed and returned.
5. Funds released
Upon approval, the funds are released into your business. You can now start to source the stock you desire for your forecourt and you’ll be on your way to achieving your business goals.
6. Partnership commences
Our partnership commences! Remember, your account manager is on hand for advice and support on to how to make the most out of your funding facility.
Award winning service



Grow your business with stock funding
Complete the form and one of our experts will be in touch with you shortly.
By requesting a call back, I agree to Close Brothers Motor Finance's Terms of Service and Privacy Policy