Their own payment-practices filing · gov.uk
Arnold Clark Finance Limited. pays suppliers in 25 days on average — within its stated 3–60 day terms
Their H1 2026 filing puts the average 22 days past the shortest term they state (3 days), still within their 60-day upper term.
- Their stated terms
- 3–60 days
- Paid outside agreed terms
- 9% of invoices
- Paid after 61+ days
- 1%
- Reporting period
- 1 Jan 2026 – 30 Jun 2026
- Source
- their gov.uk filing, filed 30 Jul 2026
Self-reported figures from their statutory filing. How this is compiled.
Terms vs reality · their H1 2026 filing
Paid within their stated range — 25 against 3–60 days
Where their invoices landed · share of all invoices
The pattern · last 6 of 17 reports
19 → 25 days — slowing down
The read · computed from their figures
Arnold Clark Finance Limited.'s H1 2026 filing puts their average at 25 days against stated terms of 3–60 days; 9% of invoices were paid outside agreed terms and 1% took 61 days or longer. Filed 30 Jul 2026.
The direction is slower: from 19 days in H2 2023 to 25 now — 6 days slower across their last 6 reports.
On the latest reported averages: Faster than 57% of the 593 large companies reporting in administrative & support services.
That is 17 statutory periods on record (earliest H1 2018) — a historical record, not a promise for a new invoice.
What they tell their suppliers
In their own words · from the filing
Standard payment terms
Arnold Clark Finance Limited agrees appropriate payment terms with its suppliers, based on the nature of the transaction. The Company, as standard, pays its suppliers no later than the last day of the month following the month in which the invoice is received. Individual agreements are in place for manufacturer vehicle purchases, depending on the timing and nature of the transaction and the individual manufacturer’s conditions. These can vary from 3 days from the date of the transaction to extended credit terms of up to 60 days.
Dispute resolution
The Company is committed to dealing with its suppliers in a fair, honest and professional manner as well as pursuing best value for our business. We aim to resolve disputes in a timely manner. Any queries in relation to invoices are initially handled by the supplier’s regular contact within our Head Office accounts team. Escalation of disputes is co-ordinated by senior members of our accounts team. If the matter cannot be resolved, it would be passed to the relevant Head of Department or Finance Director.
Every statutory report on record
Most recent first.
| Period | Avg days | Outside terms | 61+ days | Filed |
|---|---|---|---|---|
| H1 2026 | 25 | 9% | 1% | 30 Jul 2026 |
| H2 2025 | 24 | 8% | 2% | 30 Jan 2026 |
| H1 2025 | 22 | 7% | 1% | 30 Jul 2025 |
| H2 2024 | 23 | 5% | 1% | 7 Feb 2025 |
| H1 2024 | 24 | 7% | 0% | 30 Jul 2024 |
| H2 2023 | 19 | 6% | 0% | 26 Jan 2024 |
| H1 2023 | 19 | 6% | 0% | 26 Jul 2023 |
| H2 2022 | 17 | 7% | 0% | 27 Jan 2023 |
| H1 2022 | 18 | 6% | 0% | 27 Jul 2022 |
| H2 2021 | 19 | 8% | 0% | 26 Jan 2022 |
| H1 2021 | 19 | 8% | 0% | 29 Jul 2021 |
| H2 2020 | 18 | 11% | 1% | 27 Jan 2021 |
| H1 2020 | 15 | 8% | 3% | 30 Jul 2020 |
| H2 2019 | 13 | 4% | 0% | 24 Jan 2020 |
| H1 2019 | 12 | 4% | 0% | 30 Jul 2019 |
| H2 2018 | 12 | 4% | 0% | 30 Jan 2019 |
| H1 2018 | 12 | 3% | 0% | 30 Jul 2018 |
On the public register · Companies House
Company record
- Status
- Active
- Type
- Private Limited Company
- Incorporated
- 3 Dec 1963
- Registered office
- 454 HILLINGTON ROAD, GLASGOW, G52 4FH
Illustrative · working-capital arithmetic
What a 25-day cycle ties up
A worked example, not a finding. On a hypothetical £12k/month account, at a 25-day vs a 3-day payment cycle.
Late Payment Act. The Late Payment of Commercial Debts (Interest) Act 1998 lets a supplier charge statutory interest and fixed compensation on invoices paid past agreed terms. Work out what a late invoice is worth → Whether it applies depends on your contract — check with an adviser.
Quick answers · Arnold Clark Finance Limited.
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How UK payment reporting works
What is a Payment Practices Report?
What does "paid outside agreed terms" mean?
How often is this data updated?
Is this official government data?
How this is compiled. Built from official records only: Companies House and the gov.uk payment-practices service. The payment figures are self-reported — companies over the size threshold must file them by law and the board signs them off. No credit-agency data. The numbers are theirs; the plain-English read is ours. This is information compiled from public records under the Open Government Licence v3.0 — not a credit rating and not advice.
The 31-day comparison figure is the median across 6,104 companies with a current statutory report — every sector pooled, not an average of sector medians (how the figure is built).
Report PL-SC039597 · latest period to 30 Jun 2026
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