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From finance intermediary to the UK’s largest used auto finance platform

best broker awards for ten years in a row
best service for dealers award four years in a row
innovation award for dealer in a box
best response to market conditions award
best use of technology award
best technology partner award
Evolution Funding has grown from a specialist motor finance intermediary into the UK’s largest used auto finance platform, connecting retailers, customers and lenders through one integrated finance experience.

For more than 20 years, we’ve helped retailers deliver better finance experiences through technology, lender connectivity, compliance and operational expertise.

Today, Evolution continues to lead the market with intelligent finance tools, data-led decisioning and integrated digital retail capability.

lady leaning against a yellow car that she bought using automotive finance
timeline of evolution funding's growth and expansion
Evolution Funding today
Built around modern automotive finance
Evolution Funding combines finance technology, broad lender access and operational expertise to help retailers deliver faster, more transparent and more efficient finance experiences.

What began as traditional brokerage has evolved into a broader finance technology and decisioning business through a range of digital finance propositions.

Pre-eligibility and affordability
Intelligent
pre-screening
Whole-of-market brokerage
Direct lender integrations
Digital proposal and signing journey
Helping retailers qualify customers earlier, improve finance conversion and create better customer experiences.

£1.5bn brokered ann. advances

Powered a significant share of UK vehicle finance

4,500+ retailers

Supporting a broad and diverse dealer network

35+
lender partners

The UK’s largest whole-of-market panel
car dealer using tablet device to process auto finance online with evolution funding
Backed for long-term growth
Evolution’s continued growth has been driven by investment, technology development and strategic acquisitions.
LDC first invested in 2019, helping accelerate Evolution’s transition from traditional brokerage into a technology-enabled intermediary, while supporting the Group’s early acquisition strategy.
In 2023, Carlyle invested through its Europe Technology Partners V fund, backing the Group’s next phase of growth across fintech, software development, market-wide connectivity and ongoing platform expansion.

Today, the business continues to invest in the technology and operational infrastructure supporting modern automotive finance and retail.

private equity investor carlyle logo
private equity investor LDC
Built around a clear direction
As automotive retail and finance continue to evolve, our focus remains on improving efficiency, integration and customer experience across the market.

Purpose

To transform the auto finance experience.

Vision

To be the technology platform of choice, connecting the auto finance ecosystem.

Mission

To digitise, automate and enhance the consumer auto finance experience, connecting dealers, OEMs, marketplaces, and lenders.

Part of the wider Centeca group

Evolution Funding forms part of Centeca, a fintech group bringing together specialist businesses across automotive finance, retail technology and compliance.

Together, these businesses help create a more integrated and efficient retail and finance experience.

While Evolution remains focused on automotive finance and lender connectivity, the wider Group provides additional capability across:

  • Digital retail
  • Dealer software
  • Compliance
  • Managed brokerage services
  • Operational infrastructure

Evolution Funding forms part of Centeca, a fintech group bringing together specialist businesses across automotive finance, retail technology and compliance.

Together, these businesses help create a more integrated and efficient retail and finance experience.

While Evolution remains focused on automotive finance and lender connectivity, the wider Group provides additional capability across:

Digital retail
Dealer software
Compliance
Managed brokerage services
Operational infrastructure

specialist business shared capability at centeca group
click dealer logo
Automotive retail technology & digital marketing
Websites, dealer management systems, digital retail tools and automotive digital marketing solutions for retailers.
motion finance logo
Fully managed finance brokerage
Managed finance brokerage support for independent dealers requiring additional operational and compliance support.
automotive compliance logo
Appointed Representative finance model
Relationship-led automotive finance brokerage operating through a differentiated Appointed Representative distribution model.
creditas financial solutions logo
Automotive compliance & regulatory services
Regulatory support, Appointed Representative services, auditing and training for automotive retailers and finance businesses.
See how Evolution supports modern automotive finance

Explore the technology, finance capability and operational expertise helping retailers deliver better finance outcomes and sell more vehicles.