Financier Margin on Quotes

Due for Release 21/09/2026

Overview

Quotes can apply a configurable margin — an increase or a discount — on top of the financier's base rate. This sits alongside the existing Client Margin and lets Catch-e set up rate adjustments that are specific to a financier, and optionally narrowed further to a make, model or variant.

There's no self-service configuration screen for setting up margin rates — this is arranged with Catch-e Support.

Where to find it

On a quote, go to Quote → Finance tab. The Financier Margin field sits directly below Client Margin:

  • A discount displays in red

  • An increase displays in black

How the rate is calculated

Financier Rate = Base Rate + Client Margin + Financier Margin

Client Margin is rounded to 2 decimal places before it's added in, so the final Financier Rate no longer carries a rare rounding artefact that could previously appear.

When the margin is re-resolved

The Financier Margin is looked up and re-applied whenever any of the following change on the quote:

  • Variant

  • Quote Date

  • Client Code

  • Contract Type

Changing the Term alone does not trigger a re-resolution.

Matching rules

If more than one configured margin rate could apply to a quote (for example, a financier-level rate and a more specific variant-level rate), only the single most specific match is applied. Margins are never stacked or added together.

Audit trail

Every Financier Margin change is recorded in the audit trail, whether it was made on the Quote → Finance tab or via the API.

API Reference — Financier Margin Rates

GET /qt/financier-margin-rates

Returns the configured financier margin rates. The response is paginated.

Response — 200 OK (shape only, field names unconfirmed)

A paged list where each row represents one configured margin rate, describing:

  • the financier the rate applies to

  • optionally, the make, model or variant the rate is scoped to

  • the margin value (increase or discount) and its direction

  • standard paging metadata (page, page size, total count, or equivalent)

financier_margin_rate on patchQuote / createQuotes

The current patchQuote and createQuotes endpoints now return a resolved financier_margin_rate field in their response, alongside the existing quote fields. This reflects whichever margin rate was matched and applied to the quote at the time of the response.

Note: the legacy create-quote endpoint used by some older integrations does not include this field.