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Case StudyAutomotive Finance

CapitalDrive Finance Ltd

Transforming lead quality for a UK automotive finance provider, resulting in a 28% increase in lead-to-sale conversion and a significant reduction in wasted ad spend.

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Overview

Overview & Context

CapitalDrive is a UK automotive finance provider.

It generates funded-deal applications across prime and sub-prime segments.

Lead volume looked healthy, but too many applicants failed credit checks.

Automotive Finance
Automotive & Vehicle
Credit-qualified finance enquiries
Primary demand focus
6-12 Months
Delivery window
Search, social and qualification data
Connected acquisition system

Finance provider balancing lead volume against underwriting quality.

Increase funded-deal conversion and cut spend on weak applicants.

Problem analysis

What Was Blocking Growth

The core commercial issues holding back growth.

Applicant quality varied heavily by source

Spend favoured low-fit finance enquiries

Underwriting feedback was not connected to campaign optimisation

Approach

How We Restructured The System

Clear changes to targeting, tracking, follow-up and qualification.

Pre-qualification funnel

Screened applicants before they became registered leads.

Weaker applicants dropped out earlier

Value-based bidding

Weighted campaigns toward leads passing initial checks.

Spend favoured fundable enquiries

Funded-customer audience rebuild

Modelled audiences on past approved customers.

Lead quality improved
Execution Stack

Integrated stack built to connect lead generation to underwriting quality.

Google AdsMeta AdsHubSpot CRMGA4 / GTMLooker Studio
What Changed In Practice
  • Weak applicants filtered before sales
  • Spend favoured fundable enquiries
  • Sales saw better-quality applications
Work & Proof

Proof / Evidence

The proof layer focuses on the signals that mattered most in this engagement: credit-qualified finance enquiries, source visibility, and the handoff from acquisition into sales or fulfilment.

What Changed In Practice
Before
  • Applicant quality varied heavily by source
  • Spend favoured low-fit finance enquiries
  • Underwriting feedback was not connected to campaign optimisation
After
  • Pre-qualification filtered weaker applicants earlier
  • Campaigns weighted toward fundable customer signals
  • Underwriting quality informed budget decisions
How Results Were Read

Results are framed around credit-qualified finance enquiries across a 6-12 months period, using search, social and qualification data to separate raw activity from commercially useful movement.

Measurement focus
Credit-qualified finance enquiries
Reporting window
6-12 Months
Connected view
Search, social and qualification data
Commercial outcome
+28% Lead-to-Sale Rate
Results

The Outcome

Cleaner unit economics and stronger commercial performance.

+28% Lead-to-Sale Rate

Better conversion. Less wasted spend. Stronger unit economics.

+28% lead-to-sale rate

More enquiries turned into customers

Lower wasted spend

Budget left poor-fit applicants behind

Better deal quality

Sales handled stronger opportunities

Real-time ROI view

Spend linked to underwriting outcomes

Market insights

What This Means For Your Market

If you're buying finance leads without qualification data, you're leaking margin. Filter early and optimise for funded deals, not form volume.

Want to apply this to your Automotive Finance business?

Request a strategy session and we will show you how the same acquisition structure can be adapted to your business.

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No long-term contracts. Strategy session included.

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