Leading in their fields.
Stronger together.
Centeca brings together five specialist brands, each chosen for the role they play within the vehicle buying journey.
Individually, they bring strength in automotive finance, digital retail, managed brokerage and regulatory compliance. Together, they create a connected infrastructure that spans the key stages of sourcing, buying, funding and completing a vehicle purchase.
This gives Centeca a clear advantage: established brands with proven market positions, combined into a scalable group proposition with shared technology, data and commercial opportunity.
The UK’s leading automotive finance fintech
£1.5bn brokered ann. advances
Powering a significant share of UK vehicle finance
4,500+
retailers
Supporting a broad and diverse dealer network
35+
lender partners
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Evolution Funding connects retailers with a broad panel of lenders, enabling access to finance at scale and underpinning a significant proportion of activity across the group.
Beyond its core intermediary role, Evolution Funding has developed a suite of proprietary technology and data-driven capabilities that reshape how finance is delivered. From pre-eligibility tools such as Smart Calculator, through to intelligent pre-screening, direct lender integrations and credit score-based pricing, it enables faster, more accurate and more transparent finance decisions.
Alongside its technology capability, Evolution Funding is widely recognised as a trusted partner in a regulated environment, providing the systems, controls and oversight required to support compliant finance delivery.
Recognised across the industry for both performance and service, including ten consecutive “Best Broker” awards and four consecutive “Best Service for Dealers” awards, alongside multiple recognitions for innovation and technology – Evolution Funding has set the benchmark for automotive finance delivery in the UK.
The technology platform behind automotive retail
687k+
vehicles sold
£8.5bn total vehicle value
1,800 dealer partners
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Click Dealer provides the digital and operational infrastructure that supports how vehicles are marketed, managed and transacted. From dealer websites and digital retail tools through to DMS, it underpins day-to-day operations across the retail environment.
As one of the most established technology providers in the UK automotive sector, Click Dealer combines a comprehensive product suite with deep integration across the ecosystem, enabling retailers to manage inventory, control workflows and transact seamlessly across channels.
Recognised across the industry for product performance and commercial impact, Click Dealer has received multiple awards for its dealer management system, websites, digital marketing, social media and consumer lead generation – reflecting its ability to deliver measurable returns for retailers.
A fully managed finance brokerage service
End-to-end deal fulfilment
Embedded dealer support
Proven service performance
98% of dealers rate sales support 5/5, with an overall NPS of 82
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Motion Finance provides a high-touch, hands-on brokerage service, handling every aspect of the finance process on behalf of retailers.
From initial enquiry through to payout, its specialist teams manage the journey end-to-end. They work directly with customers, structuring deals and coordinating with lenders to ensure applications are progressed quickly, accepted more often and completed compliantly.
Acting as a true extension of the dealership, its account managers work hands-on with retailers, providing the expertise, resource and lender access needed to support finance day-to-day. This is particularly beneficial for independent and smaller dealers often overlooked by traditional brokers.
Recognised for its dealer-first approach, Motion Finance enables retailers to increase conversion, reduce admin and stay in control of the finance process.
A differentiated finance brokerage model
Dealer AR-led model
A scalable route to market, enabling dealers to offer finance compliantly
Unlocking new dealer segments
Extending access to independent and underserved UK-wide retailers
Relationship-led network
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Creditas brings a distinct approach to motor finance, built around strong dealer relationships and an Appointed Representative-led model that expands access to finance across the market.
With a nationwide presence and an established base of independent retailers, it extends the group’s reach into segments not traditionally served by larger providers. Its model is designed to support dealers with a simple, compliant route to offering finance, while maintaining a strong focus on customer outcomes and responsible lending.
By prioritising the right finance solution for each customer, supported by trusted lender relationships, Creditas combines commercial performance with a transparent, dealer-first approach.
As part of the group, it strengthens distribution and broadens access to the platform across a more diverse dealer landscape.
The trusted compliance partner for automotive retail
18+ years in automotive compliance
Deep sector expertise supporting OEMs, franchises and independents
Largest independent FCA-authorised firm in the sector
Directly authorised for general insurance and credit broking
Full regulatory permissions to support with finance and insurance
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Automotive Compliance is a specialist FCA-authorised Principal Firm, enabling dealers to operate compliantly across motor finance and value-added products.
Through its Appointed Representative and Introducer Appointed Representative models, alongside support for directly authorised dealers, it provides the governance, oversight and regulatory infrastructure needed to sell finance with confidence, without the burden of managing compliance internally.
Working with over 350 Appointed Representatives across more than 1,200 dealerships, Automotive Compliance supports a broad spectrum of the market, from independent dealers through to franchised dealer groups. Its systems and services cover financial promotions, reporting, audit and Consumer Duty, helping dealers meet evolving regulatory requirements while remaining focused on commercial performance.
By combining deep regulatory expertise with integrated technology, Automotive Compliance strengthens the Group’s position in an increasingly regulated market, ensuring dealers can operate compliantly while continuing to grow.
A model built for change
By bringing together complementary capabilities across technology, finance, compliance and delivery, Centeca has built a model designed for a more complex and evolving market.
This approach enables greater flexibility, stronger control and broader reach – supporting retailers, lenders and partners across an increasingly diverse landscape.
It is a model designed not just to support the market, but to shape how it develops.