£391K Lamborghini Finance Secured for Surrey-Based Entrepreneur

A high-net-worth entrepreneur in Surrey approached Clifton Private Finance to arrange specialist Lamborgini finance for the purchase of a high-value car. As an existing client, they were familiar with our reputation for sourcing bespoke finance solutions and wanted a facility structured around flexibility rather than simply achieving the lowest possible rate.

Within two weeks, Clifton Private Finance secured a £391K hire purchase facility with a specialist prestige vehicle lender. By negotiating a low 10% deposit, interest-only payments over a three-year term, and a higher guaranteed balloon payment, we reduced monthly repayments to approximately £2,000 while preserving the client's future options.

The Scenario

The client owns multiple businesses across sectors including property development and media and was making a personal purchase of a prestige vehicle.

Their priority was to secure a finance facility that aligned with their wider financial strategy, with the flexibility to settle early or move into another vehicle if circumstances changed.

With a tight deadline before the end of the financial year, they required a lender capable of delivering a tailored solution within a short timeframe.

Challenges

While funding for prestige vehicles is widely available, securing highly bespoke terms on a high-value transaction like this can be more complex.

We needed to:

• Understand the client's wider financial position and net worth through a detailed asset and liability review
• Structure a facility that prioritised low monthly repayments over headline rate
• Negotiate a low deposit requirement alongside a higher guaranteed balloon payment
• Find a lender willing to offer flexibility around early settlement and future vehicle changes within a compressed timescale

The Solution

By conducting a detailed review of the client's financial position, we were able to present a comprehensive funding proposal that reflected their overall wealth profile and affordability rather than focusing solely on income.

After approaching three lenders, we identified a specialist prestige car finance provider that was willing to offer bespoke terms unavailable elsewhere in the market.

Through close collaboration with the lender, we secured a hire purchase facility with a 10% deposit, interest-only payments over three years, and a higher guaranteed balloon payment that significantly reduced the monthly commitment.

The Outcome

The funding completed within 10 to 14 days, allowing the client to take delivery of the vehicle before their deadline while maintaining flexibility for the future.

The bespoke structure achieved monthly repayments of approximately £2,000 and provided the option to settle the agreement early should the client wish to exit the facility or move into a different model.

Without access to specialist lenders and tailored negotiation, the client would have been unlikely to achieve the same level of flexibility through a dealership or by approaching lenders directly.