LH Finance was born in 2022 from a concrete need: many clients legalising or importing a vehicle through the group needed financing and did not know where to turn. The brand supports individuals and companies seeking credit, from preparing the application to the lender's decision, and explains the conditions and costs of each offer so that the decision is an informed one.
LH Finance's work starts before the application: collecting and organising documents, assessing borrowing capacity and choosing the right product, whether car finance, personal credit or business financing. This is followed by liaison with lenders, comparison of the offers received and support until the contract is signed.
In mobility, LH Finance arranges financing for vehicles imported by Caetano Trust and legalised by Legaliza na Hora, which aligns the credit with the real import timeline: payment to the dealership, transport, ISV and registration. Outside the motor sector, it provides the same service to companies and individuals seeking financing for other purposes.
Credit intermediation is a regulated activity in Portugal. LH Finance is transparent about its role as an intermediary, about the lenders it works with and about the remuneration linked to each operation, and it does not make credit decisions: the decision always rests with the lender.
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