Modern Retail

V12 Retail Finance

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20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ
19 Vanguard Way Cardiff Wales CF24 GB

Technology is constantly transforming the retail sector and we’ve been at the cutting edge of retail finance from the start offering pioneering, multi-channel access and functionality. We don’t believe in standing still and we’re always looking for new ways that our smart technology can work even smarter to delight your customers. Part of the Secure Trust Bank family, we also have the financial backing to make our pricing, products and services work for you. And, our customer first culture means we understand what will make your customers keep coming back time and again. Secure Trust Bank is the only UK bank awarded a Customer Service Excellence accreditation. We arrange and administer retail finance loans on behalf of Secure Trust Bank PLC, who is the lender. Secure Trust Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


It’s no surprise we are one of the fastest growing names in retail finance, we work with over 2,000 retailers, from national high street names to independent stores. We’ve used our expertise and intelligent technology to develop a retail finance offer which can flex with your individual business needs and deliver a great customer experience.

  • Flexibility – Quick and simple online, mobile, in-store and mail order processes
  • Flexible financial products – tailored options to increase sales
  • Acceptance rates – a well-established direct lender, we provide excellent acceptance rates
  • V12 portal – a comprehensive suite of management information which can be accessed in real time
  • Relationship management – all the support your business needs

Although we’re really proud of our offer we are always coming up with new ways to help our retail partners grow their business. We believe in technology that works and we listen, adapt and keep our innovations clear and simple.

V12 Retail Finance Limited. Registered in England and Wales 4585692.

Registered office: One Arleston Way, Solihull, B90 4LH

Correspondence address: 20 Neptune Court, Vanguard Way, Cardiff, CF24 5PJ.

V12 Retail Finance is a trading name of Secure Trust Bank PLC.