2. Introduction
The Credit Repair Specialists
Accident Credit Group (ACG) are one of the UK’s largest Credit Repair Companies, funding 1,000’s of non-fault vehicle
accident repairs for bodyshops and repairer networks alike.
Our core proposition is simple, THE REPAIRER completes the repairs and we FUND the invoice, usually within 30 days. ACG
takes the entire administration burden away of chasing dozens of insurers for payment, so your business can focus on what it
does best.
ACG is fully independent from any organisation within the Accident Management Sector. This means we offer a true ‘added
value service’ to our partners, as funding the vehicle repair is all that we do.
Our independent approach enables us to take an impartial view when underwriting cases and approving hourly labour rates.
We ensure that every case is treated on its own merits, protecting the repairer’s margin within acceptable terms for the
Insurer.
What is Credit Repair?
At ACG, we fund invoices relating to non-fault accidents from Bodyshops and then collect payment directly from the third
party insurer. We charge a fixed facilitation fee and usually pay within 30 days of the invoice, regardless of the insurer paying
us.
Straightforward to Deal With
Our business is founded on an extensive knowledge of credit operations and not dictated modelled returns from our
investors. Our background as business operators enables us to deliver practical solutions for your business that ensure we
both achieve our common goal. We aim to work openly and efficiently with all our partners to keep costs low, timelines short
and to build lasting business relationships.
Focused
At ACG we ONLY fund Credit Repair. This keeps us focused on what we do best; risk and reward from lending money.
3. Added Value
As an independent Funder, ACG works with Credit Hire Organisations, Dealer Groups, Insurance Brokers, Repairer Networks,
Legal Practices and Accident Management Companies.
As well as improved cash-flow and reduced administration, the additional benefits of using ACG to fund credit repair are
numerous depending on your type of business.
Bespoke financial model to suit different businesses
Fast reliable decisions
Repairs inspected and approved within 48 hours
Simple process
Fast reliable payment on time every time
Electronic payment for improved cash-flow
Simple paper trail for faster payment
System integration speeding up the decision and payment processes
4. Partner values
Every introducer who works with ACG is considered a Partner. This partnership is essential in ensuring that all parties work
towards developing a long term working relationship that is founded on trust and consistent delivery. This mutual agreement
enables all parties to jointly achieve their goals, hopefully leading to a profitable relationship for years to come.
ACG strongly believes in its core values in order to build a robust working relationship with its partners that are sustainable
and professional. We believe that by working in an open and honest environment we are able to build a stronger lasting
proposition that is profitable for both parties, not just today but in years to come.
It is important that both parties share the same values from the outset, as without these common values the business
relationship will deteriorate and neither party will benefit.
As an independent Funder, ACG works with Credit Hire Organisations, Dealer Groups, Insurance Brokers, Repairer Networks,
Legal Practices and Accident Management Companies.
5. Partner values
Transparency and Honesty
‘We are both making an investment into one another’s businesses, so it is critical that both parties share information that may
impact the project, relationship or opportunity.’
John Byrne, CEO
At ACG, we do expect to understand the size of the opportunity before we dive ‘head first’ into a business relationship. It is
with this in mind that we would expect to do a full business case analysis, regardless of your business size, ahead of any
development work, projects or contracts. This ensures that both parties are aligned and can deliver what is required.
Delivery
‘Deadlines and business delivery are key to a long term partnership from both parties and ACG continually strives to ensure
that it delivers first time, on time, every time.’
Debbie Nowell, Operations Director
All too often actions are set, deadlines are missed and business volumes don’t materialise. At ACG we haven’t got time for
people’s inertia, if we agree to do it, then we do it. It’s what keeps us focused, streamlined and most importantly, successful.
Understanding
‘Sometimes things don’t go according to plan, so we have to re-evaluate and change the approach.’
Keith Dearling, Commercial Director
Life is full of mistakes and we all make them, the key is to inform your partner that mistakes have been made and work
towards fixing them (and learning).
Review
‘We need to ensure that we are all heading in the same direction, so it is important to continually review our progress and
strategy.’
Richard Wilding, Sales Director
We would expect to conduct business reviews and, depending on the size of your business, these would be on a monthly or
quarterly basis. This is an opportunity to fix the stuff that is not working and focus on future strategies and opportunities.
6. Process
Step 1: Application received:
Underwritten
Approved
Credit Agreement for repair sent through to Repairer or Vehicle hirer for signature
Engineer authorised to carry out an independent assessment of the vehicle damage and approve the repair
Step 2: Repairs
Repairer carries out the vehicle repairs as authorised by our engineers
Upon completion of repair customer signs a repair satisfaction note
Repairer raises a final invoice and send s to ACG for payment approval
Step 3: Payment
ACG receives final invoice
Invoice is approved within 48 hours and remittance advice sent to repairer
Payment is made net of charges to repairer on the 15th of each calendar month
7. Summary
Why ACG? Do ACG provide credit hire?
Feedback from our referral partners has suggested No, this is provided by their partners.
that they would benefit from an alternative, more attractive
credit proposition which is risk free for their business.
Do ACG manage personal injury claims?
Who are ACG?
No, but some of their partners specialise in PI.
Accident Credit Group Ltd is an independently
funded credit repair provider, working in partnership with
industry partners to complement their core products and Where does ACGs income come from?
services. Typically ACG charge 10% of the repairers pre-agreed final
invoice. All work accepted by ACG is independently
What do ACG do? inspected and agreed prior to the work commencing.
ACG then pursue the 3rd party insurer for the full amount
ACG provide a stand alone funding facility for credit repair
only.
Who do ACG work with?
ACG work in association with medium to large
CHOs, Insurance brokers , Legal Practices, Repair Networks
and Accident Management Companies.
8. Contact Details
For more information Contact:
Richard Wilding – Sales Director
t: 0844 740 2381
m: 0772 856 5536
e: richardwilding@accidentcreditgroup.co.uk
Tel: 0844 740 2381
www.accidentcreditgroup.co.uk
Registered Office: Chadwick House, Birchwood Park, Warrington WA3 6AE
Registration No: 7242638
