Working With Marsh FAQs

Payout timing will depend on:

• Deal completion
• Documentation accuracy
• Any outstanding checks

In general, lenders aim to process payouts as quickly as possible once everything is in place. At Marsh Finance, if we have all the documentation we payout within one hour.

For dealers and brokers, speed and reliability of payout are critical, as they directly affect cash flow and operational efficiency.

If payout timing is a key concern, it is worth discussing this upfront so expectations are clear.

Affordability is a central part of every application.

The goal is to make sure the finance agreement is sustainable for the customer, not just approvable.

This typically involves:

• Assessing income
• Reviewing committed expenditure
• Understanding overall financial position

Where possible, this is supported through automated income verification to keep the process efficient. We return a initial decision within a second.

If additional checks are needed, further verification may be requested to ensure a fair and responsible outcome.

For partners, this helps reduce the risk of unsuitable lending and supports better long-term customer outcomes.

Speak to us about affordability criteria.

Yes, where it is appropriate. The approach is designed to keep the customer journey as smooth as possible.

In many cases, income and affordability can be assessed using automated verification tools without needing additional input from the customer. If those checks are insufficient, open banking may be used as a follow-up to provide a clearer picture of the customer’s financial position.

For dealers and brokers, this can act as a second opportunity to progress a deal that might otherwise not move forward. It is not the starting point for every application, but it can be a useful tool when needed.

Yes, this is often one of the main reasons partners look to expand their lender panel.

Improving finance penetration usually comes down to:

• Having the right lenders for your customer base
• Structuring deals correctly
• Offering suitable products

A lender that can support customers outside strict prime criteria can help convert more opportunities that might otherwise be lost.

Review your panel with us.

Marsh Finance is generally known for supporting customers who may sit outside strict prime criteria, including near-prime segments.

That can be particularly useful for:

• Independent dealers who see a wide range of customer profiles
• Brokers looking to place more complex cases
• Businesses looking to improve finance penetration rather than turning customers away

Understanding where a lender fits is important. Marsh Finance is not trying to be everything to everyone. Instead, it focuses on areas where it can add value and help you convert more customers.

Yes, weekend payouts are available.

This can make a real difference for dealers and brokers operating outside standard weekday hours, helping:

• Maintain momentum on deals
• Improve customer experience
• Reduce delays in completing transactions

For businesses that trade heavily at weekends, this is a practical advantage that supports both sales and operations.

Become A Partner

• DealerPortal (SalesDot).

• Auto Convert.

• Deal Trak.

• iVendi.

• Codeweavers.

• Enquiry Lab.
   

This means:

• Partners can work within their existing systems
• Setup is straightforward
• No complex bespoke integration is required in most cases

For dealers and brokers, this reduces friction and helps get up and running quickly.

Talk to us about your current setup.

Support can vary widely.

At a minimum, you should expect:

• Clear communication
• Consistent underwriting
• Help when deals are not straightforward

Stronger partnerships often include:

• Account management
• Commercial guidance
• Help improving conversion

Marsh Finance positions itself as a relationship-led lender, which is particularly important for independent dealers and brokers who need accessible support. 

Talk to our partnerships team.

Yes, Marsh Finance supports instant soft search decisions.

This allows dealers and brokers to:

• Assess eligibility without impacting the customer’s credit file
• Move conversations forward more quickly
• Set realistic expectations early

Soft search capability is a key part of improving customer experience and reducing unnecessary friction in the sales process.

Talk to us about integrating soft search into your process.

Yes, Marsh Finance offers both HP and PCP products.

This is particularly relevant because PCP is not always widely available in non-prime or near-prime segments. Having access to both products gives dealers and brokers more flexibility when structuring deals.

It also helps improve conversion by offering customers a payment structure that suits their circumstances.

PCP is widely available in the prime market, but far less common for customers with lower or less straightforward credit profiles.

Non-prime PCP can be valuable because it:

• Gives customers access to lower monthly payments
• Provides more flexibility at the end of the agreement
• Helps dealers and brokers offer a broader range of solutions

For partners, having access to PCP in this part of the market can improve conversion and customer choice.

It is not suitable for every customer, but where it fits, it can be a strong tool.

Absolutely! No-deposit options are available, provided the customer meets affordability criteria. 

Deposit requirements are not fixed. They are influenced by:

• Credit profile
• Affordability
• Vehicle details
• Deal structure

For dealers and brokers, flexibility around deposits can make a meaningful difference to conversion, particularly where customers may not have savings available.

It is always best to look at the full deal rather than focusing on deposit alone.

Speak to us about 0% car finance options. 

Yes, in many cases.

Customers with thin credit files can be more difficult to place because there is less historical data to assess. That does not always mean they are high risk. It often just means they are earlier in their credit journey.

Applications like this are typically assessed using a broader view, including:

• Affordability
• Income stability
• Overall profile rather than just credit history

For dealers and brokers, having access to a lender that can look beyond a limited credit file can help convert customers who might otherwise be declined elsewhere.

Talk to us about borderline cases.

Near-prime customers often fall between mainstream and specialist lending.

A suitable lender will:

• Understand varying credit profiles
• Take a balanced view of affordability
• Offer appropriate products

This is not about lowering standards. It is about applying the right level of flexibility where it makes sense.

For dealers and brokers, having this type of lender available can make a significant difference to conversion. 

Talk to us about customer fit.

Marsh Finance offers finance packages between £2,000 and £30,000.

Contract durations typically range from:

• 24 to 60 months

This range allows flexibility across different customer needs and vehicle types, while keeping agreements within manageable and realistic parameters.

Become A Marsh Finance Partner.

We provide seven tiers of HP finance, ranging from £2,000 to £30,000. We offer finance on vehicles up to 100,000 miles with a maximum vehicle age of 11 years (at the start of the agreement).

This gives dealers and brokers flexibility when working with a wide range of used vehicles.

It is particularly useful for independent dealers and those operating in the used car space.

We offer 4 tiers of PCP finance, ranging from £2,000 to £30,000. We offer finance on vehicles up to 100,000 miles with a maximum vehicle age of 5 years at the start of the agreement and 7 years at the end of the agreement. PCP has slightly tighter criteria compared to HP, reflecting how the product is structured.

PCP has slightly tighter criteria compared to HP, reflecting how the product is structured.

For dealers and brokers, understanding these limits helps ensure deals are set up correctly from the outset.

Marsh Finance offers:

• Seven tiers of HP finance
• Four tiers of PCP finance

This tiered structure allows for:

• A broader range of customer profiles
• More flexibility in pricing and approvals
• Better alignment between risk and product

For partners, this helps improve conversion by covering more scenarios within a single lender.

Most lenders will look at a mix of:

• Your business structure and trading history
• Regulatory permissions where required
• How you handle customer introductions
• Your compliance processes
• Expected deal volumes

They are also assessing whether your business aligns with their risk appetite and customer profile.

For a lender like Marsh Finance, the relationship aspect also matters. It is not just about volume. It is about building a partnership that works commercially and operationally.

Learn more about partnering with Marsh Finance here.

Brokers are usually looking at:

• Lender fit across customer types
• Underwriting consistency
• Payout reliability
• Ease of communication
• How quickly deals progress

They are also thinking about panel balance. Having a mix of prime, near-prime, and specialist lenders is important.

Marsh Finance can play a role where brokers or dealers need more flexibility for customers who fall outside strict criteria.

Add Marsh Finance to your panel.

You should look at:

• Regulatory status
• Track record
• Product range
• Customer fit
• Support structure
• How transparent they are

You should also speak to them directly. The way a lender answers questions often tells you more than their website.

You can speak to Marsh Finance directly here.

In most cases, yes.

Because Marsh Finance integrates with widely used industry platforms, partners can usually:

• Continue using their current systems
• Avoid complex setup processes
• Get started quickly

This is particularly important for:

• Larger dealer groups with established workflows
• Brokers managing multiple systems

The aim is to fit into your process, not force you to change it.

Speak to us about your system setup.

SAF (Specialist Automotive Finance) approval is awarded by the Finance & Leasing Association.

To become SAF approved, individuals typically need to:

• Complete SAF training modules
• Pass an assessment
• Demonstrate understanding of compliant sales practices

For dealers and brokers, SAF approval helps:

• Show commitment to treating customers fairly
• Support compliance with regulatory expectations
• Build trust with customers and lenders

Marsh Finance requires all partners to be SAF approved.

Read: The Path To SAF Approval

Compliance is central.

You need to be confident that your lender:

• Supports fair customer outcomes
• Aligns with Consumer Duty expectations
• Provides clear processes around affordability and vulnerability

A lender should not just fund deals. It should help you stay on the right side of regulation.

Working with lenders that understand this reduces risk for your business.

Choosing a lender is not just about acceptance rates or commission. It comes down to fit.

You need to look at:

• The type of customers you typically deal with

• Whether the lender supports that credit profile

• How consistent their underwriting is

• How easy they are to work with day to day

• How well they support you commercially and from a compliance point of view

Some lenders focus on prime customers only. Others, like Marsh Finance, operate in areas of the market that are often underserved, including near-prime customers.

If you’re finding that you’re having to turn customers away due to finance declines, book a call with our team to explore non-prime options.

It is also worth considering how the lender behaves when things are not straightforward. That often tells you more than headline rates or products.

Larger groups tend to focus more on:

• Consistency of underwriting
• Scalability
• Reporting visibility
• Process efficiency

They need lenders that can operate reliably at volume.

At the same time, having lenders that cover different customer segments remains important to avoid lost opportunities.

Speak to us about group requirements.

It is critical.

Poor communication leads to:

• Delayed deals
• Confused customers
• Lost sales

Good communication improves:

• Speed
• Confidence
• Customer experience

This is often one of the biggest differences between lenders.

Talk To Our Team Today.

Yes, in several ways:

• Higher conversion rates
• Better finance penetration
• Fewer lost deals
• More appropriate product matching

The right lender does not just approve deals. It helps you structure them properly. 

Review Your Finance Setup With Us.

Some of the most useful questions include:

• What type of customers do you support best?
• How consistent is your underwriting?
• How quickly do deals progress and pay out?
• What support do you offer partners?
• How do you approach compliance and customer outcomes?

The answers will help you understand whether the lender is a good fit for your business.

Documentation requirements can vary depending on the customer and the level of verification needed.

In many cases, approvals can be supported through automated checks. Where additional verification is needed, this may include:

• Proof of income
• Bank statements
• Identification documents
• Proof of address

The aim is always to keep the process as straightforward as possible while still meeting regulatory and affordability requirements.

For dealers and brokers, understanding what may be required upfront helps avoid delays later in the process.

A strong proposal is clear, complete, and well-structured.

That usually means:

• Accurate customer information
• Realistic affordability
• Appropriate vehicle selection
• A deal structure that fits the customer’s profile

Incomplete or inconsistent applications are one of the main reasons deals slow down or fail.

For dealers and brokers, taking a bit more time upfront to build a solid proposal can significantly improve outcomes.

Reducing declines usually comes down to a combination of:

• Working with the right lenders for your customer base
• Structuring deals appropriately
• Setting realistic expectations early

Common issues that lead to declines include:

• Overstretched affordability
• Mismatched lenders
• Incomplete or inaccurate applications

Improving this is not just about approvals. It is about understanding where deals are most likely to work and focusing effort there.

Partners who take this approach tend to see better conversion and a smoother process overall.

Yes, value-added products can be funded within the agreement.

This can include items such as:

• Warranties

• Other relevant add-ons

For dealers and brokers, this creates an opportunity to:

• Increase deal value
• Improve customer protection
• Offer a more complete package

It also helps streamline the process by keeping everything within a single agreement.

A rate-for-risk approach means the interest rate offered reflects the individual customer’s risk profile.

Rather than a one-size-fits-all rate, this allows:

• More customers to be considered
• Pricing that aligns with risk
• Greater flexibility across different credit profiles

For dealers and brokers, this can help increase conversion by giving more customers access to finance, even if their circumstances are not straightforward.

Rate For Risk Approach To Car Finance.

It means the same underlying credit assessment is used across both PCP and HP products.

This provides:

• Consistency in decision-making
• Clearer expectations for dealers and brokers
• A more straightforward process when structuring deals

Instead of navigating completely different criteria for each product, partners can work with a more unified approach.

This approach focuses on what the customer can realistically afford, rather than starting with the vehicle price.

By quoting based on maximum repayment:

• Deals are built around affordability first
• Customers are less likely to be overstretched
• The process becomes more aligned with responsible lending

For dealers and brokers, this can help:

• Set clearer expectations
• Reduce failed deals later in the process
• Improve overall customer outcomes

Talk to us about structuring deals around affordability.

It is one of the biggest factors.

If your lender panel does not match your customer base, you will lose deals. That often shows up as:

• Declined applications
• Slow responses
• Poor customer journeys

Working with lenders that understand your customer profile can improve:

• Approval rates
• Customer experience
• Overall profitability

That is where lenders operating in the near-prime space can make a real difference.  

Learn about increasing car finance profits here.

Underwriting varies across lenders, but broadly it involves assessing:

• Affordability
• Credit history
• Stability
• Overall risk

Some lenders rely heavily on automated scorecards. Others combine automation with human oversight.

Marsh Finance can deliver instant decisions within a second.

Consistency is key. Dealers and brokers need to understand what will and will not work so they can properly structure deals.