Feature
Technology A Modern Classic Could Actually Do With
One of the appeals of a Modern Classic is what it doesn't have, less interfering technology, but there is one piece of tech they could actually do with.
August 27, 2026
Luxury car finance is far from a standard market and that is where specialist finance matters. Find out how Title Partners JBR Capital have you covered.
By Darren Selig, Managing Director, JBR Capital
Luxury car finance is far from a standard market.
The buyers, assets and motivations are all different, and the right finance structure often depends on far more than income, deposit and rate.
A customer buying a £100,000 Range Rover is not the same as a collector financing a Ferrari 812 Competizione, a business owner refinancing a multi-car collection, or an enthusiast considering a modern classic Porsche 911. Each customer has different goals, and every vehicle brings its own risk profile and ownership considerations.
That is where specialist finance matters.
Large banks work well in standardised markets. However, this part of the motor industry often requires a different approach: people who understand the customer, the dealer and the asset, supported by underwriting that blends data with experience and speed with judgement.
That is exactly why title partners JBR Capital are a natural fit within the Shawbrook family. Shawbrook has long focused on markets where good customers can be underserved by mainstream lenders because their needs are more complex, bespoke or relationship-led. The luxury automotive market fits that description well.
Since becoming part of Shawbrook, JBR Capital has combined the best of both worlds: the boutique specialist knowledge that has long defined the business, together with the funding strength, stability and institutional support of a larger banking group.
This matters because customers in this market often need flexibility. For some, finance is about access; for others, it is about preserving liquidity, managing cash flow or creating flexibility across a collection.
Many clients are entrepreneurs, business owners or high earners who think carefully about capital allocation. They may be able to buy outright but still choose finance because it gives them greater choice over how and where they deploy their capital.
That is why structure matters.
A competitive rate is important, but the best outcome is rarely defined by rate alone. Balloon payments, deposit, term, repayment profile, affordability, asset strength and a customer’s ownership plans all help shape the right solution.
Sensible residual values are also an important part of that process. Customers naturally want the lowest monthly payment, the lowest deposit and the strongest balloon, but a finance provider must also consider what happens at the end of the agreement.
If the market moves differently from expectations, the customer still has to deal with the reality of the settlement. Responsible structuring is therefore essential. In specialist finance, the right answer is not always the most aggressive one.
This is especially true in a market where residual values are becoming increasingly complex. In our experience, some modern classics are attracting strong demand and increasing in value, while some high-end electric and hybrid vehicles have experienced greater pressure.
Collector cars can also require a more manual, asset-specific assessment, and models that appear highly desirable today may not perform in the same way three or four years from now.
This complexity is one of the reasons human judgement continues to matter.
At a time when the industry is increasingly focused on artificial intelligence and automation, technology can undoubtedly help make the finance process faster, smoother and more consistent. Data can also support better decision-making.
However, in a specialist market, judgement cannot be removed entirely. A system can tell you a great deal about a customer and a vehicle, but it cannot always understand the wider context.
At JBR Capital, the focus is therefore on using technology where it improves the experience, while retaining the expertise that makes specialist lending valuable in the first place.
The opportunity now is to continue improving: delivering clearer communication, greater consistency, faster journeys where possible and specialist judgement where it is needed most.
Luxury car buyers are passionate people. JBR Capital’s role is to be a lender that matches that same level of care.
Because in this market, finance is not simply about funding a car purchase. It is part of the ownership experience itself.
Find out more about JBR Capital by clicking HERE
