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@elwigleeno
My two pence worth - I work for a large consulting firm (c. 3,000 people) and have bought two bikes with this scheme. It's a pretty risk averse organisation so I agree with the "retard" assessment. The scheme we do means I apply for a cheque that is then sent to me payable to a bike shop, which means you can get anything you want. There may be something around the max value (ours is £1,000 - something to do with consumer credit act), but you can still get something pretty good for that, no? And even a grand bike is only c. 75 quid a month - genius.