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, clothing and accessories they want, when they want.


The ACT's retail finance service accounted for over £140m of applications in 2022.


The ACT’s partnership with V12 Retail Finance enables members to access a market-leading range of finance products with competitive rates and high levels of service.

V12 offer market-leading integration which allows finance applications to be submitted, processed and approved online. According to Mintel (2023) 64% of online shoppers have purchased items via credit means in the past year.




The ACT is here to provide you with the skills and knowledge to start maximising sales. To contact us please fill in the form at the bottom of the page.


 Key benefits

Costs & Fees

Service & Support

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


Service criteria 

Retail finance is exclusively available to Gold ACT members. Click here to join the ACT or login to My ACT to upgrade your membership.


We recommend contacting us before applying for your FCA authorisation.


Acceptance by V12 is subject to terms and conditions, including but not limited to a minimum 12 month trading history, the business declaring a positive net worth and the search results of credit reference agencies.


Should your application be unsuccessful your membership fee is non-refundable.

Contact us about Retail Finance

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