Finance For Self-Employed Customers
✅ Over 50 years of experience
✅ Bespoke self-employed HP & PCP products
✅ Exclusive non-prime PCP offering
✅ Affordability checks that go past credit scores
The Self-Employed Struggle
Self-employed customers often hear “no” from prime lenders. But, with around 4.5 million self-employed in the UK in 2026, the market is there for car buyers. For dealers, self-employed car finance often means difficult lender acceptances and paperwork bottlenecks. However, the market has significant potential, providing you partner with the right lender.
Few lenders provide car finance for self-employed customers, which is where we come in. Marsh Finance has over 50 years of experience supporting customers and unique non-prime PCP products. This makes us your direct ticket into the self-employed market.
Why Do Self-Employed Applicants Get Declined By Prime Lenders?
Prime lenders like safety and minimal risk, and to them, a self-employed customer is a risk because they don’t have a set monthly income. An absence of consistent monthly statements will result in a flat-out rejection, regardless of the customer’s credit score, cash deposit, and overall affordability. As a dealership, you know all too well the lost deals self-employment can cause, unless you have a near-prime offering.
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How Marsh Finance Can Plug The Self-Employed Gap
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With decades of expertise and market-leading underwriting, Marsh Finance deliver fast decisions, flexible products and support designed to help you attract more customers and increase profits. Our approach to assessing the full affordability picture, not just strict lending criteria, means a flexible approach to customers and, with that, more conversions. Open Banking capabilities enable Marsh Finance to assess affordability for individuals with inconsistent incomes and to determine the right finance product on a case-by-case basis.
Marsh Finance considers customers with varying credit profiles, offering specialist HP and PCP products for self-employed customers. For Marsh Finance, declined prime deals doesn’t mean customers are bad; they’re just matched with the wrong lender. With a non-prime approach, Marsh Finance is on hand to provide finance solutions tailored to varying circumstances, not based on black-and-white criteria.
Why Self-Employed Customers Matter To Dealerships
Most prime lenders discard solid self-employed customers, leaving potential customers walking straight out the door. Marsh Finance actively supports self-employed customers, which for your dealership means the following:
✅ Increased finance penetration
✅ Improved vehicle sales conversion
✅ Reduction of lost deals
✅ Opportunities created for repeat business
✅ A broader customer base
✅ Access to specialist products such as non-prime PCP
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Why Marsh Finance?
As your partner, Marsh Finance offers the following support and processes:
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Weekend payouts
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Instant soft search decisions
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Near-prime PCP products
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Quote on max repayment, not vehicle
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Funding of value-added products
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One scorecard for PCP and HP
Marsh Finance works with UK dealers to support customers across a broad range of credit scores, keeping the process simple for your team. As your right-hand, we target the problems you face most often:
- Customer declines elsewhere, stalling deals
- Prime lenders only approving a narrow credit profile
- Deals falling apart late in the process
- PCP not being available for near-prime customers
- Low finance penetration
- Slow payouts and decisions
If any of these problems feel all too familiar, get in touch with Marsh Finance to discuss a partnership today.
