Credit hire operators
Your margin is decided months after the vehicle comes back.
You deploy a vehicle today and find out in eighteen months whether you get paid for it. What decides that is not how well you ran the hire — it is what you can show about it.
Your operation
A call comes in. Someone needs a car today, and the decision about whether to put one out has to be made in the next twenty minutes with incomplete information: you do not yet know the third party’s insurer’s position, and you may not know much about the claimant’s means.
You put the vehicle out because that is the business. Ninety days later it comes back. Somewhere between eight and twenty-four months after that, a defendant’s solicitor asks three questions — did they need it, what would a comparable hire have cost, and why so long — and your answer is whatever you happened to write down at the time.
Which means the profitability of a hire is largely determined in its first hour, by an administrative decision nobody experiences as a financial one.
Where it costs you
The comparable was never obtained
A basic hire rate found now is not the evidence a rate found at deployment would have been, and the rate you recover is reduced to whatever the defendant proposes.
Impecuniosity was assessed retrospectively
Or not at all, because on the day it looked like paperwork. It is the argument that carries the whole claim when the rate is challenged.
The duration has no recorded explanation
Ninety days is defensible when each extension has a cause attached. Without that, the whole period is exposed and you are arguing from memory.
Nobody can say what the open book is worth
Because most systems only compute a hire's value once it has ended, which is the one moment the number stops being useful for a decision.
Last year's rate schedule has been overwritten
GTA rates change every July. If your system holds only the current table, a two-year-old hire cannot be repriced as it stood, and reconstruction is not evidence.
What changes
Evidence is captured while it can still be captured
Need through a structured questionnaire at the point of hire. Impecuniosity assessed at deployment. Comparables obtained against the vehicle actually supplied, on the day. It is a workflow rather than a form somebody remembers.
Credit Hire Pro →The system tells you what is missing
A recoverability check reads each hire and names the evidence that is not there yet — while there is still time to obtain it. A gap found on day three is an afternoon's work.
How the check works →Rates stay reproducible
Every GTA schedule is held with the dates it applied between. A superseded rate is never overwritten, so a hire from three years ago reprices exactly as it did then.
Every delay carries its cause
Extensions are recorded with reason codes — repairer capacity, parts, engineer, third-party insurer — so a long hire has an explanation attached rather than an argument later.
The book has a value today
Open hires accrue daily and are shown accruing, so what you are owed is a number you can read rather than one you discover at the end.
What a firm like yours actually runs
Core — the claim, the client, the vehicle, documents, e-signature, invoicing, packs and the pipeline.
- Credit Hire Pro — the reason you are on this page. GTA rates and the evidence recovery turns on.
- Finance Pro — recovering the charge is a separate job from earning it, and aged debt in this business is real money.
- Fleet Pro — only if the vehicles are your own. If you source them, you do not need it.
Most credit hire operators run Core, Credit Hire Pro and Finance Pro. Analytics Pro and Portals are useful later; neither is needed to start.
See it against one of your real claims.
Thirty minutes, no slides. Bring a live file and we will run it through the system end to end.