Our reserves 

How it works

We do not hold any reserves as cash. Any profits we generate are reinvested back into our customers’ mobility or by providing discretionary donations to the Motability Foundation.

By reinvesting our profits we’re able to reduce the amount of additional funding we need to run the Motability Scheme. Our capital reserves provide this protection, shielding customers from volatility and protecting the Motability Scheme from the risks it faces. 

As our customer numbers have increased, so has our capital requirement.

As at the end of September 2025, our fleet of customer vehicles was valued at £15.8bn, of which £3.9bn was funded using our reserves. The remaining amount is financed through the bank and bond markets.