At V12 Retail Finance, we offer simple, consumer-focused finance to help your customers spread the cost of the things they love, want or need.
With retail finance fast becoming a necessity within the commercial landscape. In this blog, we look at the sectors we serve.
Electrical
Everyone knows how tempting the latest electrical gadget can be. And when something breaks, electrical items are often ones we can't do without. Why not make it easier for your customers to make that all important purchase by offering them a way to spread the cost?
According to the latest .gov data, sales in UK electronics have dropped in recent years because of the lasting effects of the COVID-19 pandemic.
We're working hard to help retailers reverse the curve, specialising in point of sale finance for electrical retail partners across the entire electrical spectrum, including:
Sound and vision
Computers/Laptops
Photography
Home appliances
Furniture
According to Statista, overall sales in the UK furniture sector have declined. Why not future proof your business and offer customers a way to pay that suits?
We're proud to have a strong presence in the furniture sector, helping retailers big and small to increase sales.
From big ticket items to spreading the cost on those must have accessories, whether at home or in-store your customers can use our finance to get the things they love. We know it's all about speed and simplicity, so that's what we offer.
Season Tickets
Season ticket finance within football is swiftly rising.
Whether it's a difficult relegation battle, an ambitious promotion or going for glory, we help fans get closer to their club easily by spreading the cost of season tickets. We partner with clubs nationwide to make season tickets more flexible for fans.
We're proud to work with some amazing football clubs and our paperless (eSign) finance agreements mean everything can be done in one go through your club ticket website. Get in touch and find out more about spreading the cost for your fans.
Leisure & Lifestyle
From outdoor enthusiasts to art appreciation, we help customers get serious about their passions.
Mountain bikes, road bikes and hybrid bikes (to name just a few) are one of our specialities. We're also proud to partner with the Association of Cycle Traders (ACT) to provide a cycle industry specific scheme in the UK called Ride it Away retail finance.
We finance gym equipment to help with indoor training, and we help customers live their best outdoor life, with finance for specialist tents, camping gear and golf equipment.
Art lovers will rejoice in finance designed to help them purchase coveted original and limited edition prints. If your business offers these items, give your customers the purchase power they need by offering retail finance.
The Royal Bank of Scotland directly attributes retail finance as a key positive trend in the leisure and lifestyle sector. By offering a choice in ways to pay, your business can benefit.
Home Improvement
InsightDIY believe 2025 is the year of home improvements! According to their study, 21% of Brits have planned or plan to make home improvements in order to help them improve not move.
If you're a retailer offering help with home improvements, we'd really love to hear from you. We want to help your customers live in comfort, so we offer retail finance for companies specialising in the provision of central heating, windows, doors and conservatories, as well as EV chargers and more.
Healthcare
2024 was a huge year for private healthcare. Last year, the UK saw 939,000 private inpatient admissions, the highest total ever recorded.
This presents a massive opportunity for private healthcare to cater for the patient transition. Having a patient-centric finance option offers a unique selling point in a healthy marketplace.
Increasing patient accessibility to treatment has always been at the top of our agenda, and through working with laser eye specialists, highly reputable dental practices and more, we're helping you help more patients.
Music
The musical instrument industry is looking promising, with Statista projecting a annual growth rate of 4% through 2029.
Catering for growth may depend on understanding changing consumer habits and economic pressures that have led to more customers leaning on financing options to buy their musical instruments.
Offering your customers the freedom of choice in how they can pay for their instruments is key when standing out in a growing sector.
Whether your customers are eager beginners or tried and tested experts, we work with musical retailers to make instruments more accessible to seasoned experts, we work with musical retailers to make instruments more accessible to them.
Jewellery & Watches
The right piece can mean the world. Whether it's an iconic diamond ring, a beautiful watch or a gift to celebrate a moment that matters. We provide retail finance for a large number of jewellers, so they can help make their customers dreams come true.
According to GlobalData, over 90% of UK customers rank quality as the top factor when buying jewellery and watches. Offering financing options can help convert sales and turn browsers into buyers.
Why choose V12 Retail Finance for your retail finance?
We're here to help your customers pay for the things they love in ways that work for them.
In fact, 72% of customers said they wouldn't have made their purchase without our finance options*. That's not just a statistic - it's a powerful opportunity to grow your sales.
Trusted by retailers for over 20 years, we've been leading the way in retail finance for more than two decades. Offering systems and service you can trust that help you convert browsers into buyers.
With fast applications and decisions as standard, your customers can say yes to that all-important purchase without delay.
Responsible finance builds loyalty, and as a responsible retail finance provider, we look at the bigger picture. Our solutions help you futureproof your business by giving customers the flexibility to spread the cost, making purchases more manageable and more meaningful.
New to retail finance? Here's what you need to know
Ready for retail finance? Get in touch today
*V12 Retail Finance customer survey, 1100 responses