Intelligent Vehicle Finance is a phone-first UK car leasing broker for company directors, SMEs and private clients. We compare business and personal contract hire across a panel of more than 20 funders, explain the Benefit-in-Kind position for electric company cars, and handle everything from quote to delivery. FCA-authorised (FRN 315268).
A leasing broker that starts with a conversation
Most leasing websites hand you a price grid and a checkout. Intelligent Vehicle Finance works the way a good broker should: you tell us your budget, your timescale and how the car will be used, and a named specialist compares quotes across a panel of more than 20 UK funders to find the vehicle - and the funder - that actually fits. No call centre queue, and no starting from scratch at renewal.
We specialise in business leasing for company directors, SMEs and sole traders, alongside personal leasing for private clients who want the same guided service. Whichever you are, the guidance comes first and the paperwork is handled for you.
Intelligent Vehicle Finance is a trading name of XLCR Vehicle Management Ltd, working from the Melville Building at Royal William Yard in Plymouth and arranging leasing for customers across the whole of the UK. We are also part of Global Vehicle Group, whose brands have funded more than 70,000 vehicles - so behind the personal service sits genuine group scale.
Where do you want to start?
- Business car leasing - contract hire for limited companies, partnerships and sole traders, with VAT efficiency and company car tax guidance built in.
- Electric car leasing - EVs from 4% Benefit-in-Kind, with honest advice on range, charging and running costs.
- Company car tax rates - official HMRC Benefit-in-Kind tables to 2029/30, with worked examples for directors.
- Used car leasing - quality used stock with shorter lead times.
- Leasing guides - plain-English guides to leasing, tax and running a company car.
Prefer to talk it through? Call 01752 429950 or request a callback - a specialist, not a script.
Intelligent Vehicle Finance: the key facts
- Phone-first and consultative. Tell us your budget and timescale; a named account manager sources the right car and handles everything through to delivery.
- A panel of 20+ funders. We compare quotes across more than 20 UK funders and match them to your profile, rather than pushing one lender's terms.
- Business and personal under one roof. Business contract hire for companies and sole traders; personal contract hire for private clients.
- Electric company cars from 4% BiK. Benefit-in-kind on a fully electric company car is 4% in 2026/27, rising to 5% in 2027/28 and 7% in 2028/29 - against up to 37% for an equivalent petrol or diesel.
- Part of Global Vehicle Group. Group brands have funded more than 70,000 vehicles - genuine scale behind the personal service.
- Free UK delivery, road tax included. Every car is delivered to your door, with Vehicle Excise Duty covered for the term on contract hire.
- Feefo-reviewed service. Our customer reviews are independently collected and verified through Feefo.
- FCA-authorised broker. Intelligent Vehicle Finance is a credit broker, not a lender, authorised and regulated by the Financial Conduct Authority (FRN 315268), and a BVRLA leasing broker member.
Common questions
Is Intelligent Vehicle Finance a broker or a lender?
Intelligent Vehicle Finance is a credit broker, not a lender. We are a trading name of XLCR Vehicle Management Ltd, authorised and regulated by the Financial Conduct Authority (FRN 315268), and we may receive a commission from the funders we introduce you to. Brokering across a panel of more than 20 funders means we compare options for you rather than offering only one lender's terms.
Can I lease through my limited company?
Yes. Limited companies, LLPs, partnerships, sole traders and PLCs can all lease through us. Business contract hire is typically VAT-efficient - VAT-registered businesses can usually reclaim 50% of the VAT on the finance rental - and a fully electric company car currently attracts just 4% Benefit-in-Kind. All leasing is subject to status.
What credit profile do I need to lease?
Every application is assessed individually across our funder panel. Different funders apply different criteria to trading history, company age and personal circumstances, which is exactly where a broker can help - we identify the funders whose criteria are the best fit for your circumstances. All leasing is subject to status and affordability.
How quickly can I get a car?
In-stock vehicles can typically be delivered within around 14-28 days. Factory orders vary by manufacturer, and we will always give you a realistic date before you commit rather than an optimistic one.
What is the difference between business and personal leasing?
Business contract hire is taken in the company's name, is typically VAT-efficient and is quoted excluding VAT; personal contract hire is in your own name with VAT included in the rental. We arrange both under one roof and will tell you honestly which suits your situation - for company directors the answer is not always obvious.
Which areas do you cover?
We arrange leasing for customers across the whole of the UK, with free delivery to your door included. Our team is based at Royal William Yard in Plymouth, and everything is handled by phone and email - you never need to visit a showroom.
Important information. Intelligent Vehicle Finance is a trading name of XLCR Vehicle Management Ltd, authorised and regulated by the Financial Conduct Authority (FRN 315268). We are a credit broker, not a lender, and we may receive a commission from lenders for introducing you to them. Intelligent Vehicle Finance is a member of the BVRLA.
Tax treatment depends on your individual and business circumstances and may change in the future. We are not tax advisers - confirm your position with a qualified accountant. Vehicle availability is subject to change. All leasing is subject to status and availability.
Reviewed by Stacey Smith, Brand Director, Intelligent Vehicle Finance. Last updated: July 2026.
