| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £4,301 | £28,754 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and irregular payment posture remain inside tolerance. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £3,170 | £27,623 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £2,841 | £27,294 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Trade Sale | Permitted | Approval required / Validator | £1,032 | £25,485 | 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 | £24,453 | Auction Disposal is commercially credible for this van case, but current Auction headroom is binding and a lower-friction route can clear sooner. | - |
| Manual Review | Permitted | Approval required / Validator | -£647 | £23,806 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |
| Digital Retail | Blocked | Approval required / Validator | £2,990 | £27,443 | Blocked by policy: Digital retail segment eligibility. | Blocked by Digital retail segment eligibility. |