VTG House,

No1 The Osiers Business Park,

Laversall Way, Leicester,
LE19 1DX
Andrew Hubbard
Co Founder

John Voss
Co Founder

Maurice Dibbs
Vehicle Credit Director / Operations Director
Maurice.dibbs@vehicle-group.com

Andrew Howard
Financial Director
Andrew.howard@vehicle-group.com

Paul Jewell
Commercial Director
Paul.jewell@vehicle-group.com

Carl Tallents
Creative Marketing Director
Carl.tallents@vehicle-group.com

Ray Owen
Group Sales Director
Raymond.owen@vehicle-group.com

Manoj Parmer
IT Director
Manoj.parmer@vehicle-group.com

T: +44(0)116 271 6737
F: 08445 070 210
vehicle-group.com
From the North
From the West
From the South
A very warm welcome to all the existing dealers we are currently working with and also to all
the new dealers that are joining the group along the way on a daily basis.
We felt we needed an edited version of the Vehicle Trading Groups complete business philosophy,
mission statement without forgetting our history and where it all started which couldnt have been
achieved without both our shoulder to shoulder approach and safety in numbers attitude in an ever
increasingly competitive market place. It hadnt gone unnoticed the increased number of dealers
opening up on every corner which has made the used car market ourish while also creating a
stock shortage and increased hammer values which never guarantees a raised level of quality.
The provision of private funding has enabled us to eliminate those lengthy time delays in making
that ever important decision that assists any business. Our underwriting is precise and to the point
with no grey areas. We have our own comprehensive efcient due diligence that cuts straight to the
chase and so enables you the dealer to do what you do best -
From day one we noticed a gap in the sector which banks and nance providers avoided so we
set our stall out to provide what today is a solution to day to day cash ow with nancial benets
and services. We are not a bank, neither do we want to be a bank but we are stepping in where
these great institutions are failing, with an understanding of what is needed to provide not only
nance and an ear but also to go that extra mile to create a sustainable environment for dealers
to not only buy quality vehicles at the right price but to also help sell them with our own market
leading consumer nance whilst adding piece of mind with our warranties that gives the customer
condence to buy from you and gives you credibility in the market place.
Our philosophy throughout is to provide a Personal Service with nancial exibility while adding
Industry innovation and total transparency.
We look forward to an exciting future for all parties with even more additions and benets along the
way which will be announced soon.
at value without delay!
Buy & sell vehicles
vehicle-group.com 01
Andrew Hubbard
Co Founder

John Voss
Co Founder
Welcome
The Vehicle Trading Group comprises of...
We understand your business and with our innovative stocking product, we will help you grow and
develop your business. We eliminate the cost, inconvenience and complexity of the banking world
and as a privately funded company we take nance back to the good old days of being able to
call someone, not a call centre and getting a common-sense decision.
We pride ourselves on
fast decisions &
an immediate facility set up!
Stocking - Fund
Credit - Secure
Guard - Protect
- Supply
Old fashioned Values - modern day thinking 02
Vehicle Trading Group
200
dealer network
200,000
cars funded for
our network
Our gateway brand that birthed in 2009 works closely with our dealer network, employing
traditional lending methods coupled with modern technology allowing dealers to increase
protability through additional stock levels. Starting out with only a handful of dealers we quickly
realised with other nancial institutes doors closed there was a growing market for a company with
that lends the old fashion way but thinks into days ever changing market.
Key Points of Vehicle Stocking
100 % of CAP
Clean funded
Unbeatable
discounts at
Major auction
houses.
25k upto
500K
facilities
Group
Buying Power
Every vehicle
stocked for
120 days
We are proud to say we have achieved the following milestones.
5 Years
in business
vehicle-group.com 03
Vehicle Stocking - Fund
Founded after our success in dealer lending, Vehicle Credit form a cornerstone of the group
specialising in sub-prime nance. Our unique nance product coupled with a vehicle tracker will
help drive sales in cases where other lenders have declined and potential prot walk out the door.
In a market where reports show 60% of the UK require a non standard solution we are really excited
to be able to offer all VTG dealers a fast proposal turn around with efcient underwriting. Part of our
company ethos is to help dealers save time & increase prots so we are also happy to provide you
with a prime lending panel incorporating in most cases better rates than direct accounts. This mean
Vehicle Credit can now take care of all your nance proposals whether it be Prime, near prime or
sub-prime just leave it to us.
Key Points of Vehicle Credit


Industry leading sub prime solution
Prime Solutions
We fund 110% of CAP retail on sub prime
One stop shop for dealers
Old fashioned Values - modern day thinking 04
Vehicle Credit - Secure
Vehicle Guard has a become great asset not only to the group but to our dealers alike. Introduced
in 2013 we have a documented proven track record for increased sales and in some cases turning
businesses around from a loss to prot. The advertising power of offering a 24 month warranty with
every vehicle on all ages and any mileage has set our dealers aside from the crowd giving
consumers the trust and condence to make the purchase.
24 Months cover
No load for 4x4
Increase sales by up to 30%
Key Points of Vehicle Guard
Unlimited Age & Mileage MOT insurance included
vehicle-group.com 05
Vehicle Guard - Protect

Our latest acquisition and partnership. The ethos behind Trusted Car Buyers was simple; supply our
dealers with vehicles directly to the door let them drive, appraise then assign the purchase directly to
their vehicle stocking facility. With the UKs two major auctions houses acquiring online car buyers
in the last 12 month it was a natural progression for the group to acquire such a tool to enable VTG
dealers cut out the middlemen and source stock directly from the public.
Key Points of Trusted Car Buyers
Buy direct from
the public at source
Fully appraise
before you buy
ATB remarketing platform
buy stock at SIV online from inside the VTG group.
Fund relevant
delivery fees
All VTG dealers get access to supermarket rates at all major auction houses across the UK
whether it be BCA, SMA or Manheim you will be given the top buyers rates available.
Key Benets of Auction Deal


Supermarket rates at all major
auction houses
Dont waste time queuing up to pay
for stock (we have already done it)
Point of sale
Old fashioned Values - modern day thinking 06
- Supply
VTG is fast becoming a household name with
the majority of new partners having been
recommended by one of our existing dealership
partners through word of mouth within the trade.
Generally it starts with a telephone call to our
ofces which is followed up by a site visit from
one of our sales team.
The ideal dealership will have the
following characteristics for a
sustainable sales pitch.
24 hours
to open an account
for any stock
Full site insurance
Consumer credit license
agreement in place
Limited company
VAT registration
Freehold or lease
New business start up considered
as 3 years accounts not required
Once we have had that informal meeting we
are quietly condent that the dealership is
comfortable to take the next step in joining the
Vehicle Trading Group as a partner.
We then draft up documents and forward to
yourself to absorb and to explain the ner details
which are quite simple and transparent unlike
many nancial facility agreements that are out
there in the marketplace.
Once you are totally satised we can then
arrange for you to visit our ofces that are
conveniently located in the most central of
locations at M1 junction 21, Leicester.
You will be required to bring a few items and
documents with you which we will advise nearer
the day.
Once you have arrived you will be introduced
to all the departments where you can put a
face to the voice over the phone and have
explained the simple processes that makes the
whole system swift, efcient and streamlined.
vehicle-group.com 07
The Signing up Process
Working alongside VTG has allowed ourselves to release our own
funds from our stock to benet the business in other areas that enable us to sell
more vehicles and maximise our prot.
Brett - Saxonbridge
Our quality & standard of stock has been raised and at value which
has reduced our turnaround prep time, outlay and increased our margins, which
has given us a better foothold in this competitive market and boosted our
prots considerably.
Pram - Platinum Vans
The one stop approach from VTG works really well for us as it allows us
time to concentrate on other areas of the business that need our attention. Theres
no stress or delay with any decisions or assistance in all departments. We can
honestly say that VTG has transformed our way of thinking and how we
now operate our dealership.
Clint - Crystal Motor Company
The sales have gone up by 50% with the warranties alone. It saved our
business and increased turnover and prots. Our only downside is that we cant get
any more stock on the forecourt as we want to now expand the business.
Matthew - LMC
Its not just the Stocking, the Credit or the Warranties. Its the whole set up
with VTG that makes our dealership function and work much better.
With their support, advice and fast response we have been able to expand and
contract our borrowings to suit our climate.
Louise - Commercial Trade Vehicles
Old fashioned Values - modern day thinking 08
Testimonials