WHOOSH Finance Business Plan
A clear overview of our vision, strategy, and partnership opportunities for lenders ready to align with one of the UK's most forward-thinking motor-finance broker networks.
Executive Summary
WHOOSH Finance is a digitally-native, FCA-authorised motor-finance broker with a clear mission: to make car finance accessible, transparent, and stress-free for customers often overlooked by traditional brokers.
Built on over a decade of automotive-finance experience, our model focuses on strong dealer relationships, specialist market expertise, and a customer-first digital platform that brings lenders closer to both consumers and the UK's growing leisure-vehicle sector.
Our model is built around dealer-led relationships, strengthening existing partnerships and driving a steady flow of organic, high-quality leads through trusted dealer networks. Building on this foundation, we are developing a dedicated team for the leisure market, specialising in campervans, motorhomes, and caravans — a sector experiencing consistent growth yet limited broker representation. In parallel, our direct-to-consumer division focuses on serving well-qualified customers through compliant digital marketing and a consultative, service-driven approach, ensuring every lead we deliver to lenders meets both quality and compliance expectations.
We project reaching £700,000 in annual revenue by Year 3, maintaining a healthy profit margin of 16%.
What sets WHOOSH apart is our ability to bridge the gap between customers, dealers, and lenders. We simplify processes, enhance communication, and prioritise trust and speed, making it easier for lenders to integrate, easier for dealers to sell, and easier for customers to drive away happy.
Company Overview
WHOOSH Finance is a Manchester-born, FCA-authorised motor-finance broker reshaping the UK car-finance landscape through a digital-first, customer-focused, and partnership-led approach.
Although the WHOOSH brand is new, it's built on over 10 years of proven experience within the automotive and motor-finance sectors. That foundation ensures every process, from proposal to payout, is designed for speed, accuracy, and compliance — giving both customers and lenders confidence in every transaction.
Our vision is to become the UK's most trusted and respected motor-finance broker by 2027 — known for building genuine, long-term relationships that prioritise people over volume.
Regulatory Information
Location
Financial Stability & Long-Term Commitment
WHOOSH Finance has been founded with a clear long-term vision and strong financial foundations. Thanks to the success of our directors' previous ventures, we begin with a healthy starting balance and no dependency on early deal income.
This allows us to focus on building a sustainable, relationship-led business — investing properly in people, systems, compliance, and lender partnerships from day one.
Meet the WHOOSH Team
Behind every great business is a passionate team. Our Whoosh caricatures represent the friendly, approachable culture we bring to motor finance—making it easy for both customers and partners to work with us.
Alan J Rowe (AJ)
With 10+ years across every corner of motor finance - from sales floors to operations, dealer relationships to finance management - AJ has seen it all and knows what works (and what doesn't!). Now he's on a mission to shake things up and make car finance actually enjoyable.
Sahil Puri
A serial entrepreneur who's built multiple successful businesses across tech, marketing, finance, compliance, and property. But what really gets him excited? Consumer finance and making a genuine positive impact on people's lives. Sahil brings the vision, expertise, and drive to make things work better - because that's what WHOOSH is all about!
Laura (LD Compliance)
The guardian of good practice! Laura ensures WHOOSH stays squeaky clean and fully FCA compliant. From keeping up with ever-changing regulations to making sure every 'i' is dotted and 't' is crossed, she's the reason lenders and customers can trust we're doing things by the book - but in a way that's actually helpful, not just bureaucratic.
Teddy
Every great team needs a four-legged friend! Teddy is the office's unofficial morale officer and professional treat inspector. When he's not ensuring the team takes regular walk breaks or testing the structural integrity of squeaky toys, he's busy reminding everyone that loyalty, enthusiasm, and a wagging tail can solve almost any problem. He might not understand APR calculations, but he definitely knows how to make every day at WHOOSH a little brighter!
Key Business Metrics
3-Year Financial Projections
Year 1
Year 2
Year 3
Revenue Growth Strategy
Our projections reflect conservative market penetration across three key revenue streams: Dealer Relationships, Leisure Market (campervans, motorhomes, caravans), and Direct-to-Consumer. This diversified approach ensures sustainable growth while maintaining our focus on quality over volume.
Our Target Audience
At WHOOSH Finance, we focus on well-qualified, motivated customers who value a simple, transparent, and efficient finance experience. Our audience represents individuals and families who are actively looking to upgrade their current vehicle, enhance their lifestyle, or explore the leisure-vehicle market rather than those seeking entry-level credit solutions.
Established Professionals (27–54)
Customers with stable incomes and solid credit profiles who are upgrading or refinancing their current vehicle and seeking competitive, straightforward finance options.
Lifestyle & Leisure Buyers
Individuals and families investing in campervans, caravans, or motorhomes — looking to expand their lifestyle opportunities through flexible, reliable finance.
Business Owners & Self-Employed Drivers
Professionals and small-business owners requiring commercial or dual-purpose vehicles, prioritising efficiency, speed, and personal service.
Family Upgraders
Families improving or expanding their current vehicle for comfort, reliability, or safety, valuing clarity, trust, and a personal approach to finance.
Why These Audiences Matter
These customer groups represent a strong, sustainable market with proven creditworthiness and consistent demand. They are financially responsible buyers who seek trusted broker support, not quick-fix credit. By focusing on this segment, WHOOSH delivers lenders high-quality applications, efficient conversions, and long-term customers who are loyal to both broker and lender alike.
Why Partner With WHOOSH?
Partnering with WHOOSH Finance means working with a broker that truly understands the lender's world — balancing compliance, conversion, and customer satisfaction with the speed and clarity modern finance demands.
Proven Industry Experience
With over a decade of hands-on experience across automotive finance, dealer operations, and compliance, our leadership team ensures a smooth integration process, accurate submissions, and efficient communication from day one.
Quality-Driven Lead Sources
We combine multiple lead channels — from trusted dealer relationships to direct-to-consumer digital campaigns — ensuring lenders receive well-qualified, motivated customers that align with their target credit profiles.
Speed & Efficiency
Our digital infrastructure and experienced operations team keep deals moving quickly and accurately. We coordinate closely with customers and dealers to provide all required information upfront, enabling lenders to make fast, informed decisions.
Expansion into the Leisure Market
WHOOSH is strategically positioned within the expanding leisure-vehicle space — including campervans, motorhomes, and caravans. This growing sector offers lenders access to high-quality customers investing in lifestyle and experience.
Transparent, Ethical Partnership
We pride ourselves on honesty, integrity, and clear communication. The WHOOSH directors are hands-on and relationship-led, committed to building long-term partnerships based on trust, reliability, and shared growth — not short-term gain.
Scalable Growth with Compliance at the Core
Every aspect of WHOOSH is built on a foundation of FCA compliance, robust processes, and data integrity. Our systems, staff training, and quality controls give lenders the assurance that every deal meets the highest industry standards.
Finance Products We Broker
Partnership Benefits
Quality Lead Generation
Pre-qualified customers with verified income and employment details
Rapid Turnaround
Aim to process applications quicker than industry standards with streamlined workflows
Transparent Commission
Clear, competitive commission structure with prompt payment terms
Risk Mitigation
Comprehensive affordability assessments and fraud prevention measures
Technology Integration
API connectivity and automated data sharing for seamless processing
Ongoing Support
Dedicated relationship management and customer service teams
Risk Management & Compliance
Key Risks Identified
Compliance Framework
Nationwide Market Coverage
Major Markets
Strategic Advantages
- • Deep local market knowledge across all UK regions
- • Understanding of regional employment and economic patterns
- • Growing relationships with local dealer networks
- • Tailored solutions for different regional needs
- • Comprehensive nationwide service capability
3-Year Growth Strategy
Year 1: Foundation
- • Establish core lender partnerships (target: 5-8 lenders)
- • Build brand awareness through digital marketing
- • Refine customer acquisition processes
- • Achieve FCA compliance excellence
- • Develop API integrations with key partners
Year 2: Expansion
- • Scale lender panel to 12-15 partners
- • Launch advanced credit-building products
- • Expand marketing channels and partnerships
- • Introduce business finance division
- • Build customer referral programme
Year 3: Maturity
- • Achieve market leadership in target segments
- • Launch white-label broker solutions
- • Expand into EV finance specialisation
- • Develop proprietary credit scoring tools
- • Explore strategic acquisition opportunities
Let's Build Something Together
We're seeking forward-thinking lenders who share our vision of making motor finance more accessible and transparent. Join our network and help us revolutionise the UK car finance market.