| Route | Status | Release Gate | Delta | Value | Rationale | Constraint |
|---|---|---|---|---|---|---|
| Re-Lease | Lead / Recommended | Approval required / Validator | £2,886 | £10,791 | Re-lease holds the strongest retained-value position while mileage, vehicle age, and stressed payment posture remain inside tolerance. | - |
| Extend 12 Months | Permitted | Approval required / Validator | £2,707 | £10,612 | 12-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Extend 6 Months | Permitted | Approval required / Validator | £2,321 | £10,226 | 6-month extension preserves value against immediate disposal while residual pressure and servicing drag stay controllable. | - |
| Digital Retail | Permitted | Approval required / Validator | £1,174 | £9,080 | Digital Retail Disposal is commercially credible for this suv case, but current Digital Retail headroom is binding and a lower-friction route can clear sooner. | - |
| Trade Sale | Permitted | Approval required / Validator | £422 | £8,327 | 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 | £7,906 | 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 | -£234 | £7,671 | Manual review is being held as the controlled path because treatment, arrears, or policy friction prevents straight-through release. | - |