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Vehicle Leasing For Start-Ups and Poor Credit Business.


how does vehicle leasing work
why should i lease my car
what i need to know about leasing

We are able to offer funding to businesses of all shapes and sizes. We do not use a typical 'tick box' exercise when underwriting our customers. Here at Regal Autolease we look at the history and more importantly the future of the business. If we can see success in the future we will look to underwrite the deal. 

Some of our best customers started with us at only 3 months old, are based abroad or had an adverse balance sheet when we first met. We know that working with our customers rather than using them will help all parties to grow from strength to strength.

What is poor credit car leasing? 

Even with a less-than-perfect credit rating, you can now apply for car finance with bad credit and lease your next vehicle with Regal.

Your business may fall into the following catagories:

A Startup business - less than 3 years old.
Have a Weak credit score - when the business simply has a "thin credit file".
Have a Bad credit score - when your business has been effected through negative cashflow in the past or been effected by bad debts.

Credit scores reflect the risk that lenders take when offering poor credit car finance, meaning a strong repayment record will normally result in a good credit history and thus a higher credit rating, showing the lenders’ confidence that their money will be paid back. 

Other factors that affect your credit score include:

  • County Court Judgements (CCJ) 
  • Individual Voluntary Arrangement (IVA) 
  • Bankruptcies 
  • Stability with your address and electoral roll 
  • Stability in the age of your accounts 

The more stable your situation is, the more creditworthy you are likely to appear to potential lenders. Lenders feel more at risk when lending to someone with a poor credit score as opposed to lending to those with good credit. As a result, rates will be higher, and a deposit may be required to cover the risk of not keeping up with payments.

How can Regal help you get a car with "subprime" credit?

We have specialist account managers trained to work with a wide range of credit and financial backgrounds. Your allocated account manager will work hard to find you a vehicle and finance plan most suited to your budget and requirements. 

We can offer you the very best chance of approval for a bad credit lease or finance agreement. We assess your application prior to sending it to be approved to ensure you face the best chances of being approved. 

You will be considered for approval whether you have missed payments, CCJs or defaults. 

All credit considered.

Frequently Asked Questions about poor credit car finance 

Q: Can we lease a car if my business has poor or bad credit? 
A: Yes, you can. We have a wide range of bad credit leasing options on a wide range of cars available for you to choose from. Our aim is to help all customers by considering all credit types so hopefully, we can help you. 

Q: Can we lease any car or are we restricted on choice? 
A: As we consider both credit and affordability, if we think you can afford a deposit and the monthly payments required to lease the car, you can have it.

Is your business a Start-Up or has a Low Credit Score?

We are here to help!

Connect with us, we'll be delighted to hear from you and give you all the help you need and promise, no hard sell!

schedule a time to talk to regaautolease call regalautolease 0333567888

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Regal Garage (Bromsgrove) Ltd trading as Regal Autolease are a credit broker and not a lender, we are authorised and regulated by the Financial Conduct Authority. Registered No : 787993

Registered in England & Wales with company number : 00554796 | Data Protection No : ZA140638 | VAT No : 111 4829 00

Registered Office : Prydis, Senate Court, Southernhay Gardens, Exeter, England, EX1 1NT

All vehicle images and descriptions are for illustration and reference purposes only.
All vehicle leases are subject to credit approval and subject to change at any time.

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