The opportunity
Sal sac is where the growth and the margin sit.
BCH and personal lease are flat or declining. Salary sacrifice is the only meaningfully growing segment of the new car market — and the cheapest entry point in the used EV market.
The shift, in one chart
BCH is flat. Sal sac is doubling.
Indicative orders by quarter, reconstructed from BVRLA quarterly leasing surveys. Replace with sourced figures before publish.
Why now
Three structural shifts in your favour.
EV BIK gap
5% in 2026/27 vs 25–37% on petrol/diesel. The single biggest tax-driven product advantage in the UK car market.
Used EV market
Residuals have stabilised. Used sal sac creates a sub-£250/mo entry point that no specialist offers at scale.
Employer demand
Employers are buying sal sac. If you're not in those conversations, you're losing them to specialists.
What changes for you
Today vs with EZOO white-label.
Today (BCH only)
- Lose to sal sac specialists in employer pitches
- AOV £350–£500/month BCH
- Single car per customer relationship
- Customer churn at end of term
- No HR or benefits angle
- No path to repeatable used-EV revenue
With EZOO white-label
- Win those pitches with your own sal sac product
- AOV £450–£700/month new + used mix
- Average 6–12 cars per employer over 24 months
- Sticky 3–4 year sal sac terms, payroll-deducted
- B2B conversation expands to HR and Finance buyers
- Used EV sal sac as a sub-£250/mo offer
Pull the partner economics report.
A six-page write-up with market data, worked examples, and the full BVRLA references.