page 1
page 2
page 3
page 4
page 5
page 6
page 7
page 8
page 9
page 10
page 11
page 12
page 13
page 14
page 15
page 16
page 17
page 18
page 19
page 20
page 21
page 22
page 23
page 24
page 25
page 26
page 27
page 28
page 29
page 30
page 31
page 32
page 33
page 34
page 35
page 36
page 37
page 38
page 39
page 40
page 41
page 42
page 43
page 44

meeting finance needsuk Web: Tel: 02921 386338 Supporting dealers We have a clear strategy, built on solid research, which has helped us to understand the needs of our dealers, manufacturers and customers. And our vastly experienced, dedicated sales teams are recognised as the best in the industry. Black Horse managing director Chris Sutton explains: "Black Horse is focused on nurturing long-term, committed relationships with dealers, which is why we continue to make considerable investment in everything we do. We are fiercely proud of our relationship-focused ethos, which goes far beyond simply providing finance to dealers and their customers."In an era of restricted credit, we've helped dealers fund customers' purchases and provided dealers with credit lines worth hundreds of millions of pounds to help them fund their new and used stock."Our dedicated dealer training team offers a range of training support to our dealers, via our expert field sales teams. By completing a Development Needs Analysis, we can help dealers identify current training gaps which can be addressed by our range of training solutions. Our latest training innovation for our dealers is the creation of a suite of video brochures, which our field teams will use when visiting showrooms to bring training issues to the forefront.In the last year we've added value to our dealer relationships, such as the support we offered our dealers going through the implementation of last year's Consumer Credit Directive (CCD) legislation.Ahead of all other finance providers, we provided leadership and guidance for the industry to ensure readiness for CCD. By implementing the new processes early, we helped dealers through this change and utilised our first-class technology once again to deliver training via an award-winning online portal called LetsULearn.This specially-designed site helped us provide free remote training on essential financial selling practices to over 11,000 sales staff across Black Hose participating dealerships within a matter of months. This proactive, market-leading approach allowed dealers to move seamlessly from one set of statutory regulations to another, thus helping them to protect a valuable profit centre. And in addition to winning an award, we drew widespread acclaim from our dealers and the industry in general, as our forward-thinking strategy has helped shape the way dealers have integrated CCD into their own systems and processes. Whether it's personal loans, hire purchase, Ultimate Plus, GAP, warranty or our new contract hire product, we have a robust product portfolio designed to help our dealers give their customers more choice and find the right finance option for them. We've also recently launched DriveSure - a specially-tailored insurance policy package designed to protect the customer's car and help to keep the vehicle is the same condition as the day they bought it.As the market-leading provider of point of sale finance to motor dealers, we at Black Horse have a duty to constantly review our products and services to ensure they are fit for purpose and help our dealers stay on top. Dealers can also benefit from being associated with a strong, trusted brand like Black Horse by joining our Approved Dealer Programme, which provides them with access to point of sale marketing material and branding for their adverts and websites. 75% of our ADP dealers have said that this helped them increase sales.And dealers using our Q-points sales incentive scheme for the first time in 2010 experienced a 38% increase in finance sales.These are just some of the ways in which we're supporting our dealers in a tough marketplace and our commitment to excellence means that we're constantly looking at ways to improve the service we offer.A robust portfolio that helps dealers give customers more choice and find the right finance option

In a marketplace that is increasingly short of good retail quality stock, it makes more sense than ever to source vehicles through the UK's leading remarketing company, British Car Auctions.During 2011, BCA has brought a range of services to market that streamline and improve the buying process at every stage.On any typical day, BCA will have around 13,000 vehicles on offer - that's more than twice the volume that its nearest competitor has available. This means more choice for BCA's professional buyers and more ways to buy - physical auction, Live Online, Bid Now, Buy Now and e-Auction.As pressure grows to source used cars quickly and profitably, professional buyers appreciate the opportunity to fill gaps on their forecourts with instant online purchasing with BCA. Buyers can source vehicles knowing the exact price they need to pay, vehicle description and specification and can secure the vehicle with a press of a button without having to travel to a sale. Payment and delivery can all be processed online, making the service complete. With used vehicles becoming an increasingly vital profit source for retail dealers, it is inevitable that these specialist online channels will continue to grow in importance for stock acquisition. The majority of BCA's leading vendors agree and are offering stock in these online sales to complement their physical and Live Online presence in the marketplace.A new version of Live Online was launched earlier this year, featuring multiple sales windows and a new look and feel to make it even easier to use. A multitude of other improvements have also been added, including automatically updating sale information on the catalogue page and improved vehicle information display in the sale window. The BCA website The BCA website is the hub and the starting point for all buyer customers. When they search for vehicles using the online stock locator, they are presented with all the vehicles that match their criteria, whatever remarketing channel they may be in. They can then choose how to buy - instant purchase online, bid in an online auction or compete against the auction hall in a Live Online sale. BCA's dominance in the remarketing arena saw its website take 65% of all traffic in the sector during October (source Experian Hitwise). Put simply, more dealers choose to go online with BCA to view and purchase stock in more waysThe BCA stock locator quickly refines the search by make, model, location, sale date, age, vendor or any combination of criteria. Each catalogue entry includes detailed images, specification, a condition rating, pricing data from CAP, Glass and BCA's own composites and a comprehensive appraisal report including a kipper view diagram showing any damage with photographs.Linking in with this, BCA's unique Auto Grade software and process addresses the accuracy and consistency of vehicle condition grading. Auto Grade automatically and objectively generates a vehicle condition grade, using a sophisticated software system running on specialist PDA equipment used by BCA's appraisers. For buyers, this means optimum confidence in stock from BCA, while sellers benefit from BCA - the first place for used A range of services is on offer to meet the needs of ALL dealers"On a typical day BCA will have around 13,000 vehicles on offer - more than twice the amount the nearest competitor has"Log on to: feature RemarketingBid Now, Buy Now and e-Auction online selling services have added another dimension for buyers and sellers alike