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Capital at risk
Capital at risk
Director guaranteed
You make
Minimum investment is £100
Total return
Monthly repayments

NW Motor Trade Ltd is a used vehicle retailer based in Abertillery, Wales. Just 25 minutes from Newport, they both buy and sell used vehicles, and enjoy very high approval from their consumer base with a score of 4.9 stars on Auto Trader. They stock many kinds of vehicles, including vans and 4x4s, with varied engine styles from diesel to petrol hybrid. NW Motor Trade Ltd is a dutiful and diligent vehicle dealer, looking to gain more working capital in order to expand its current working stock.

Second-hand cars bought and sold with the utmost care and attention to both vehicle and customer.

At the heart of the picturesque Abertillery in south Wales, we proudly present our exceptional used car dealership, where your journey to finding the perfect vehicle begins. Our establishment stands as a beacon of trust and reliability in the realm of pre-owned vehicles. What sets us apart is our commitment to offering a diverse selection, ranging from cars and vans to 4x4s and camper vans. Whether you're navigating city streets, exploring rugged terrains, or planning a road trip, our extensive inventory caters to all lifestyles and preferences. As a testament to our dedication, we've earned a remarkable 4.9-star rating on Auto Trader, a reflection of the satisfaction and trust bestowed upon us by our valued customers.

Embark on a seamless and personalised car-buying experience with us, as we go beyond conventional offerings. Our dealership understands the evolving landscape of automotive preferences, and thus, we present an array of models from diesel to petrol-hybrid. Embracing the shift towards eco-friendly solutions, we bring you the latest in hybrid technology, ensuring a harmonious blend of performance and sustainability. Whether you're inclined towards the efficiency of diesel engines or the eco-conscious advantages of hybrids, our diverse fleet caters to your individual needs. As advocates of responsible motoring, we empower you to make choices that align with both your lifestyle and environmental consciousness.

At the core of our business philosophy lies a commitment to trust, transparency, and unwavering customer satisfaction. Our 4.9-star rating on Auto Trader is not just a numerical representation but a testament to the positive experiences our customers have encountered. We take pride in ensuring that each vehicle on our lot undergoes rigorous inspections, guaranteeing reliability and peace of mind. Our knowledgeable and friendly staff are here to guide you through the entire process, providing insights, answering queries, and ensuring you drive away with not just a car but a trusted companion on your journeys. Join us at our Abertillery dealership, where your dream vehicle awaits, and your satisfaction is our top priority.

Credit Commentary:
The director Nicholas Whatley is providing a personal guarantee, which means should the business fail, and there are insufficient assets within the business to repay the loan, we can look to the guarantor(s) to repay any shortfall on repayment. There have been no CCJs for the business or director. Their latest accounts show that the pre-tax profit was £66,721 and net equity was £303,189. The accounts also mark a significant increase in the company's retained earnings, highlighting its strong financial health. We have calculated a debt-serving capacity of 1.81, which shows the company can afford the loan. The net gearing of the company is at 74%, highlighting the stability of the company. The EBITDA for the 2023 accounts was £79,523

Inflation Risk:
The business advised the only impact of inflation is within the pricing of certain inputs, this is determined by material costs. However, the business is constantly monitoring these types of costs. As all lending is at a fixed rate, the business will not immediately be affected by any interest rate increases.


Business keeps the raised amount even if target is not met.
Loan - product type
£ 54k
£ 56k
Est close date
Funded 5 months ago in 22 days

Where will the funds go?

Working capital

Key people

Nicholas Whatley

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Business brand

Abertillery, UK

"Second-hand cars bought and sold with the utmost care and attention to both vehicle and customer."

3 years, 11 months
Credit risk indicator

Risk warning

Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.