One idea I pitched to Motability a while back was for them to set up a subsidiary entity similar to a credit union.
Working loosely on same principle as the government help to save scheme you get a 50% bonus on what you saved over the course of 4 years.
So £2000 saved in 4 years you get a £1000 bonus.
Won’t work for everyone but those disadvantaged by some of the rules of grants it may help bridge some of the gap.
For long term customers, could be used as a sign of credit worthiness to offer a level of credit on the AP