Motor Intelligence

You are overpaying on every vehicle. We can prove it.

Motor trade business intelligence is a continuous AI monitoring system covering FCA commission disclosure compliance, stock finance rate optimisation, warranty and GAP product profitability tracking, dealer margin protection, and cash flow management — giving used car dealers and motor trade businesses the same real-time intelligence that major dealer groups pay six figures for.

Published 27 Apr 2026  ·  Updated 18 May 2026

Asset finance rates, fleet costs, and stock funding vary wildly across the motor trade. BRG benchmarks every finance product, monitors FCA compliance, and finds the deals your current broker is not showing you.

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What Motor Businesses Face

Why are motor trade margins eroding every month?

These are not generic business challenges. These are motor-specific margin killers that compound every month you rely on a single finance source.

Finance rate blindness

You use the same finance house for every deal because it is familiar. But rates vary by 2-4% across lenders for the same vehicle, same profile, same term. On a fleet of 20 vehicles, that blindness costs tens of thousands over the agreement.

Average rate variance: 2-4% across lenders for identical deals

FCA compliance burden

Consumer Duty, commission disclosure, vulnerable customer protocols, annual attestations. The FCA is tightening motor finance regulation faster than most dealers can keep up. One mis-step and you face a Section 166 review or lose your permissions entirely.

FCA motor finance review: £1B+ in potential redress

Stock turn speed

Days on forecourt is the single most important metric in the motor trade. Every day a vehicle sits unsold, it depreciates and your stocking finance ticks. Most dealers do not have real-time market pricing intelligence to adjust quickly enough.

Every extra day on forecourt costs £15-30 in holding costs
Your Motor Team

Which agents are working your motor business every day?

Each agent is a specialist. They run every day whether you are on the forecourt or in the finance office.

OTTO
Finance matching. HP, PCP, lease, stocking finance, fleet deals. Benchmarks every product across a mapped lender and product panel.
// matching daily
ZARA
Compliance monitoring. FCA Consumer Duty, commission disclosure, annual attestations, Companies House filings.
// tracking obligations
PERCY
Procurement intelligence. Parts sourcing, service cost benchmarking, fleet maintenance cost analysis.
// comparing suppliers
HUNTER
Market intelligence. Auction pricing, wholesale stock alerts, fleet disposal opportunities.
// scanning stock sources
STERLING
R&D tax credit scoring. Identifies qualifying automotive innovation -- EV infrastructure, diagnostic tech, fleet systems.
// ERIS eligibility reviewed
Intelligence Tool

How does the Vehicle Finance Benchmarker work?

Submit a vehicle, value, and customer profile. OTTO benchmarks the deal across a mapped lender and product panel and returns the best-matched products with rates, terms, and commission structures. See what your current finance house is not telling you.

This is not a rate comparison site. OTTO cross-references lender appetites, credit profiles, vehicle categories, and current market conditions to match the right product, not just the cheapest headline rate. Warranty and GAP product profitability is tracked alongside finance margins to give you a complete view of per-deal gross.

What you get back
  • Best-matched finance products across HP, PCP, lease, and stocking
  • Rate comparison against your current finance arrangements
  • Commission structure transparency per lender
  • Fleet-level cost analysis across your entire portfolio
Benchmark Your Finance
Motor

See the full market.

Submit one deal and see how your current finance arrangement compares to the full lender market. OTTO shows you what you are missing -- before your next renewal locks you in for another year.

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Motor Outcome Pattern

What results do motor dealers typically see?

Representative example based on verified BRG motor sector work, anonymised for confidentiality.

Problem: Independent dealer group running 35 vehicles on stocking finance through a single provider at 8.9% flat. No visibility on alternative rates. FCA compliance documentation was 6 months out of date.
OTTO saw: 3 stocking finance providers offering 5.4-6.2% for the same profile. HP and PCP products from specialist lenders with better commission structures. Total annual saving across the fleet: £42K.
ZARA saw: Consumer Duty attestation overdue. Commission disclosure documentation missing for 12 deals. FCA annual return filing window closing in 18 days.
£42K
Annual finance cost reduction
2.7%
Average rate reduction on stocking
Common Questions

Motor trade intelligence — questions answered

Straight answers to the questions motor dealers and used car businesses ask most often.

How does BRG help motor dealers reduce finance costs?

OTTO benchmarks every deal across a mapped lender and product panel covering HP, PCP, lease, and stocking finance. Rates vary by 2-4% across lenders for identical deals — on a fleet of 20 vehicles, that rate blindness costs tens of thousands over the agreement term. OTTO cross-references lender appetite, credit profile, vehicle category, and current market conditions before returning a ranked shortlist.

What FCA compliance does BRG monitor for motor businesses?

ZARA tracks Consumer Duty obligations, commission disclosure requirements, vulnerable customer protocols, annual attestations, and Companies House filings. The FCA motor finance review has identified over £1B in potential redress — staying compliant is not optional. ZARA flags obligations 30 days before deadlines so nothing is missed.

Can BRG help motor dealers with stock sourcing and market intelligence?

HUNTER provides auction pricing intelligence, wholesale stock alerts, and fleet disposal opportunities. PERCY handles parts sourcing and service cost benchmarking. Together they give you real-time market intelligence to reduce days on forecourt and improve margins. Every price signal is cross-referenced against your current stock profile to surface the highest-impact opportunities first.

What are the FCA motor finance commission disclosure rules for dealers?

Following the FCA's ongoing motor finance investigation, dealers must clearly disclose commission arrangements on all regulated finance products. Discretionary commission arrangements (DCAs) were banned in January 2021. The FCA is investigating historical DCA use with potential redress obligations across the industry. Dealers must maintain auditable commission disclosure records for every regulated finance sale. ZARA monitors your documentation daily and alerts you to gaps before they become enforcement risks.

What stock finance options are available for used car dealers in the UK?

UK used car dealers can access stocking finance (floorplan finance), auction finance, block discounting, and trade finance facilities. Rates typically range from 5-10% per annum depending on credit profile, stock type, and lender appetite. The HMRC VAT margin scheme also applies to qualifying used vehicles, affecting cash flow planning. OTTO benchmarks stocking finance structures across 143 lenders to find the optimal product for your stock profile and turnover rate.

What compliance requirements do motor dealers need to meet?

UK motor dealers arranging finance must hold FCA authorisation and meet Consumer Duty obligations including fair value assessments, customer outcome monitoring, and annual board reports. Dealers must also comply with DVLA regulations for vehicle registration and transfer, HMRC VAT margin scheme rules for used vehicle sales, and Companies House filing requirements. ZARA monitors all of these simultaneously on a daily basis.

Regulatory sources & references
Financial Conduct Authority fca.org.uk FCA Motor Finance Review Commission disclosure investigation DVLA gov.uk — vehicle registration Companies House gov.uk — statutory filings HMRC VAT Margin Scheme gov.uk — used vehicle VAT rules

Ready to see what OTTO sees on your finance book?

Benchmark your current finance arrangements against the full lender market, or talk to MAYA about your specific motor trade challenges.

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