Rayner Smith

Specialising in personal and business finance

Rayner Smith Finance is your one-stop partner for all private and commercial finance and leasing. Once we understand your requirements, our team can tailor the perfect solution to match your profile and compare your budget to our extensive panel of lenders. By acting as your broker, we're able to bring you the most competitive rates from a pool of hundreds of lenders.

On top of this, you may already be anywhere in the buying process and shopping around for the best deal. If you're still at first base, our dealership connections and sourcing operation will give you a huge edge on price. And even if you're further along, we'll take over and handle all the transactions on your behalf, allowing you to sit back and relax and savour some peace of mind.

Access accross the board

By maintaining effective partnerships with mainstream and niche lenders, we're able to provide vehicle financing on a personal and business level, from individuals to full fleets, encompassing cars and light commercials vehicles to heavier plant machinery and other business assets. For private owners, our main area of expertise is in high-performance and vintage sports cars. However, given the completely unique nature of our services, what we finance doesn't simply begin and end with just cars or even plant machinery.

We follow the market so you don't have to

By keeping abreast of the latest financial news and market trends, we'll know exactly where to look to efficiently produce your bespoke financing or leasing, and with a fast turnaround. We don't keep our clients waiting; this is one of the reasons we have great customer retention and a first-rate reputation for quality. By choosing us as your broker, you'll instantly get an in-depth comparison of the most competitive funding offers from all the leading lenders.

Comprehensive solutions for business users and private owners

We have a long and successful history delivering high-value contract hire, finance, leasing and fleet management across the UK. Our track record is rooted in working with clients who require reliable and scalable services that can be adjusted to match the dynamics of their industry.

• Contract Hire: Predictable fixed monthly payments with flexible mileage options provide a straightforward cost management and lower initial capital investment.

• Finance Lease: Suitable for large fleet needs, this model allows cost-effective access to vehicles while maintaining a degree of flexibility in control and ownership.

• Hire Purchase: Offers full ownership of vehicles after a structured finance agreement, ideal for assets requiring long-term utilisation.

• Lease Purchase: Allows deferred balloon payments, providing greater flexibility for budgeting.

Focusing on reality, not dreams

As a valued client, you can choose to pay as little, or as much, as you want up front, with minimal deposits opening up access to higher-end vehicles. Defer a larger portion of the borrowing to a final balloon payment, which can be settled at the end of the agreement or re-financed. Equally, this process can be done in reverse too. In terms of interest rates, the rate offered by our lenders will depend on, among other things, the value of the asset, length of the agreement and your personal cash flow circumstances.

End-of-contract vehicle disposal through auction

Our proprietary online auction platform allows our clients to maximise the resale value of their personal vehicles and fleets through direct access to an extensive dealer network with no other intermediaries.

The auction platform is user-friendly and efficient, providing transparent data on market trends, bids and vehicle values. You'll benefit from a cost-effective disposal process that ensures decommissioned vehicles are remarketed quickly.

Alternatively, trading-in provides a hassle-free way to upgrade

Easily re-finance any deferred balloon payment to lower monthly payments on your current vehicle or simply trade in for a newer model. Additionally, you may even choose to make lump-sum payments throughout your agreement to further reduce your installments and settle the contract early.

For business users, our disposal team works carefully to strategically plan vehicle renewals, ensuring older vehicles are removed from service without disrupting day-to-day operations. We coordinate closely with procurement teams to maintain seamless fleet replacements that align with our clients' evolving needs.