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The Debt Management segment provides debt collection services. This segment serves retailers of various industries, including cycle, music, furniture, outdoor/leisure, electronics, dental, jewelry, home improvements, and football season tickets. The Retail Finance segment offers point of sale unsecured finance for in-store and online retailers under the V12 brand name. This segment distributes its motor finance products through motor dealers, brokers, and Internet introducers. The Motor Finance segment provides hire purchase agreements secured against the vehicle being financed. The Commercial Finance segment provides invoice financing solutions, including invoice discounting and factoring to businesses. The Asset Finance segment offers loans to acquire the commercial assets, such as commercial vehicles, and building and manufacturing equipment to small and medium sized enterprises (SMEs). The Real Estate Finance segment provides finance for commercial and residential real estate developments and investments, as well as for mixed development projects. It operates in seven segments: Real Estate Finance, Asset Finance, Commercial Finance, Motor Finance, Retail Finance, Debt Management, and Consumer Mortgages. Secure Trust Bank PLC provides banking and financial products and services in the United Kingdom.