The Lamborghini Murciélago LP670-4 SuperVeloce is one of the most collectable supercars of the modern era - the last analogue V12 Lamborghini before the Aventador took over. We financed one recently for a client now enjoying it at the kind of event most people only see in photographs. So how do you finance a car like this?
Differently to how a mainstream lender would, and that is the whole point. Lamborghini Murciélago SV finance is all about the asset - and on a car that has appreciated this hard, the asset does almost all the work.
Launched in 2009 and built for barely a year before the Aventador arrived, the SV was meant to be a 350-car run. The financial crisis cut it short - just 186 were ever built, making it one of the rarest modern Lamborghinis. A 6.5-litre naturally aspirated V12 delivers 670bhp through all four wheels, 0-62mph in 3.2 seconds and a top speed beyond 209mph. It is widely regarded as the last truly analogue Lamborghini, and that status is exactly why the market values it the way it does.
You do not take this car to a volume lender. A mainstream finance house sees a fifteen-year-old supercar and reaches for a depreciation table - the wrong lens entirely, leading to a decline or a brutal monthly payment.
For a car like the SV we go straight to an asset funder - a specialist lender that uses industry experts to gauge exactly how a given car moves in the market. They know an SV is not depreciating; it is appreciating. They price the residual accordingly, and a strong residual produces a genuinely low monthly payment. On the right car, with the right lender, it is a no-brainer for the client.
The SV listed at around £265,000 when new. Values have climbed hard since. A UK car sold through Bonhams for £1,080,000 in 2021, and a low-mileage example made $1,820,000 at RM Sotheby’s Monterey in 2023. Strong cars are now offered well into seven figures, and the model is widely tipped to settle as a £1m car. Rarity, the analogue V12 character and its status as the final Murciélago all sit behind the demand.
When the asset behind the agreement is rising in value, the lender’s risk falls and the residual rises - which is what keeps the monthly payment low. Financing the car rather than tying up the full price in cash also preserves liquidity, leaving capital free while the asset keeps doing what it has done for over a decade. Market values move and past results are no guarantee of future value - the figures above are recorded auction sales and current listings, shared for context.
The structures that suit an appreciating classic differ from those used on a new car:
Specialist lenders routinely fund vehicles up to fourteen years old at the end of term - exactly the territory the SV occupies, and well outside standard lender criteria.
Getting a modern classic funded properly comes down to reaching the right lender first time. We know which asset funders genuinely understand the SV, we structure the proposal before it is submitted, and we protect your credit profile throughout. No speculative submissions, no wrong-lender declines - just the deal placed where it belongs.