| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £3,965 | £21,511 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £3,110 | £20,655 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £3,029 | £20,574 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £788 | £18,333 | Trade sale clears the vehicle with stronger execution certainty once carrying cost and channel friction are priced into the route. | - |
| Auction | Baseline / Current Plan | Approval required / Validator | £0 | £17,545 | Auction is the fastest credible exit once mileage, condition, and time-to-clear pressure are priced into the decision. | - |
| Manual Review | Permitted | Approval required / Validator | -£482 | £17,064 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | No approval gate | £2,263 | £19,808 | Blocked by policy: Digital retail segment eligibility. | Blocked by Digital retail segment eligibility. |