Automotive Commerce. Connected.

Centeca is a fintech group bringing together specialist businesses across automotive finance, retail and compliance to create an end-to-end platform for the vehicle-buying journey.

The new name for Evolution Funding Group

Trusted by leading lenders, dealer groups and technology partners across the UK

Bringing clarity to a complex market

The market has evolved through a network of specialist providers, systems and processes.

While each plays an important role, the overall journey can lack cohesion – creating friction for dealers, lenders and partners, and making it harder to deliver a consistent, joined-up experience.

Centeca connects systems, processes and data across the journey, enabling a more integrated and scalable experience.

A platform built across distinct capabilities

Centeca is structured across three core areas, powered by specialist brands within the group and operating as a single, integrated system. This model enables scale across multiple stages of the customer journey.

Digital retail and customer engagement

Supporting how vehicles are marketed, discovered and transacted.

Multi-channel access to finance

Connecting retailers and consumers with a broad panel of lenders.

Compliance and regulatory oversight

Ensuring governance and regulatory assurance across the process.

Operating at scale across the UK

Centeca operates the UK’s largest and most connected fintech infrastructure for automotive commerce, supporting a broad network of retailers, lenders and integration partners.

£6.5bn

Annual platform loan advances

£1.5bn

Annual brokerage loan advances

5,500+

Transacting dealers

14% CAGR

Twice market average

£0.7bn

Platform-powered EV advances

99.9%

Platform uptime

20+

Data integration partners

OEM finance journeys supported

Five brands.

One connected ecosystem.

Centeca brings together a group of established brands, each delivering a distinct capability within a single, integrated system. Together, they enable a seamless, end-to-end experience across the vehicle-buying journey.

The UK’s leading automotive finance fintech, connecting retailers to a broad panel of lenders.

Technology powering digital retail, dealer websites and DMS, and customer engagement.

A “white glove” finance brokerage that manages every aspect of the deal on behalf of the dealer.

An FCA principal firm support system for Appointment Representatives.

Compliance infrastructure ensuring FCA confidence across every transaction.

Positioned for the future of automotive commerce

Centeca is building the infrastructure for a more connected, scalable ecosystem, designed to support increasing complexity across the automotive retail landscape.

Structural shifts in the market are redefining how vehicles are discovered, financed and purchased.

"We're building something that is reshaping how vehicles are bought and sold - a model designed to grow, adapt and lead as the industry evolves."

Lee Streets, CEO

"We're building something that is reshaping how vehicles are bought and sold - a model designed to grow, adapt and lead as the industry evolves."

Lee Streets, CEO

A fragmented market, ready for change

The automotive retail and finance landscape has evolved through a mix of systems, providers and processes that don’t always work seamlessly together.

A shift towards more integrated models

Businesses are moving beyond individual tools, towards solutions that bring multiple parts of the journey together in a more joined-up way.

Rising complexity across the industry

From regulation to operational efficiency, the demands placed on the industry continue to grow.

The need for scale and flexibility

Partners need infrastructure that can grow with them, adapt to change, and support different routes to consumers.