This is a trade facing website. Visit the ACT's consumer site for information and advice on cycling and find your local independent cycle retailer.

Retail Finance

Increase your sales and maximise customer spend

Retail finance is a powerful sales tool for your business, which allows your customers to spread the cost to get the bikes, clothes and accessories they want without breaking the bank.


The ACT’s partnership with V12 Finance currently enables over 400 members to take advantage of a market leading range of finance products, with competitive rates and high levels of service.


Costs & Fees

Service & Support

  • Preferential rates
  • No setup fee - save £495
  • No monthly fees
  • Payment released same day, in your bank within 4 days
  • No minimum finance turnover requirement
  • Fast application and approval
  • High acceptance rates
  • Integration with your website
  • Support throughout FCA application process
  • Dedicated customer service and personal account manager


To contact us please fill in the form at the bottom of the page.

Why offer finance?

How to apply

Managing your retail finance scheme

Online Integration

FCA authorisation

Deferred Interest Free

About V12

V12 application form demo

V12 training video

Retail Finance FAQs

What do our members say?

Service criteria

Contact us about Retail Finance

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