V12 Retail Finance Secure Trust Bank Contact us RETAILER LOG IN CUSTOMER LOG IN Home About V12 Sectors Finance options Customers Contact us Easy integration Retail finance that fits your business needs The V12 application works seamlessly on any mobile device Find out more HomeAbout V12New to retail finance? NEW TO RETAIL FINANCE? When customers make large purchases, the cost or affordability is often a key decision factor. V12 Retail Finance can help you to increase conversion rates and sales and grow your business, whether you're a smaller independent store or a national retailer. Our research shows that 28% of customers spent more than they would have done without a finance option and 52% of customers wouldn't have made their purchase without a finance option*. WHAT IS RETAIL FINANCE? The customer can purchase goods or services and spread the cost through monthly instalments. Finance can be interest free or interest bearing. Terms range from 3 months to 60 months. The customer can apply either in your store or at home via your website. The process is quick and straightforward and with V12 the customer can have a decision in seconds. The V12 application process has been designed with mobile in mind so your customer can apply for finance on any device. CAN I OFFER RETAIL FINANCE? To offer interest bearing credit or finance terms longer than 12 months as a retailer, you will need to hold Financial Conduct Authority (FCA) authorisation. If you don't have FCA authorisation you can still offer up to 12 months' 0% finance. FCA authorisation to offer retail finance is issued by the FCA. Please click here more information. To become one of our retail partners you will need: Minimum of £1,500,000 annual sales turnover. Minimum trading history of 24 months and be able to supply audited accounts. Be in a profitable trading position. Require business to consumer finance and not business to business finance. * Based on V12 Retail Finance customer survey 2015 BECOME A PARTNER Register now Find out more... Try out a demonstration of the V12 System Contact us to see how our services can help you V12 Retail Finance Limited. Registered in England and Wales 4585692. Authorised and regulated by the Financial Conduct Authority. Registration number: 679653. Registered office: One Arleston Way, Solihull, B90 4LH Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ. V12 Retail Finance Limited act as a credit broker and introduces to one or more lenders, for which they will receive a commission. Secure Trust Bank PLC. Registered in England and Wales 541132. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registration number: 204550. Registered Office for both: One Arleston Way, Solihull, B90 4LH. V12 Retail Finance is a trading name of Secure Trust Bank PLC. All communications with us will be monitored/recorded to improve the quality of our service and for your protection and security.