INDUSTRY SOLUTIONS
Funding for Auto Dealerships, Beyond the Floor Plan
On a dealership lot, cash is always half a step behind inventory. Your floor plan covers the cars, but not the reconditioning, the gap while a deal funds, payroll in a slow month, or the capital to grow. We provide flexible working capital for everything else, so a tight stretch doesn't put the whole store in survival mode.
Soft credit pull, won't affect your score. No obligation.
Funding Amounts
$10,000 – $500,000
Approval Speed
4 – 8 hours
Dealers Served
Independent & franchised
Use
Inventory, recon, payroll & growth
THE CHALLENGE
Good Gross, Tight Cash: Where the Money Gets Stuck
A dealership can be moving metal and still feel the cash crunch, because the money is tied up in iron, recon, and deals that haven't funded yet. Most dealerships feel this acutely: in NADA's 2025 data, 90.5% of franchised dealers operated just one to five stores, and the independent used-car market is overwhelmingly family-owned. In the Federal Reserve's 2025 Small Business Credit Survey, 54% of small employers named paying operating expenses, payroll, rent, and inventory among them, as a challenge, and half cited uneven cash flow. Here's where it shows up on a lot.
Your floor plan only covers the cars
A floor-plan line funds inventory and accrues interest from the moment a unit is floored, then demands curtailments and audits as cars age. What it doesn't fund is reconditioning, payroll, marketing, or growth, the costs that keep the store running.
Reconditioning gets paid before the car sells
A unit is bought, transported, repaired, and detailed before it ever produces revenue. That cash leaves your account upfront, then sits in the car as holding costs accrue every day it stays on the lot.
You've delivered the car but haven't been paid
With contracts-in-transit, the customer drives off but the indirect lender hasn't wired the funds yet. A missing signature or stipulation can stretch that wait from a few days to a couple of weeks, all while your cash is in someone else's car.
Slow months and growth still need cash
The winter trough before tax-refund season still has payroll, rent, and floor-plan interest. And bigger moves, a second lot, real estate, a bulk buy, sit beyond what a floor-plan line will fund. SBA loans, by rule, can't be used for floor-plan inventory at all.
In that same Federal Reserve survey, the most common reason applicants were turned down was simply that lender requirements were too strict. So the costs a floor plan won't touch tend to be the same ones a bank won't fund either. Our working capital is aimed at exactly those costs: recon, the contracts-in-transit float, payroll, growth, funded fast and without floor-plan strings.
How Dealerships Use Our Funding
Inventory & Auction Buys
Move on the right units when you find them, at auction, from wholesalers, or on trade-ins, where payment is due the day you buy but the resale is weeks away.
Reconditioning
Cover the transport, repairs, and detailing that get a car front-line ready. That cash goes out before the unit can produce a dime.
The Contracts-in-Transit Gap
The customer drives off, but you're still waiting on the lender to fund the deal. Working capital bridges the days between delivery and funding.
Payroll Through Slow Months
The winter trough before tax-refund season still has payroll and rent. Keep your sales and service staff intact until the buyers come back.
Marketing & Lead Generation
Fund the advertising, online listings, and lead sources that keep traffic coming to the lot instead of waiting for it to show up.
Growth & Expansion
Add a second lot, buy in bulk, or invest in your facility, the moves a floor-plan line and a bank are slow to fund.
One Application. We Match You to the Funding That Fits.
Most dealerships we fund use flexible working capital, the capital your floor plan and your bank line leave on the table. You don't need to know which product you want, apply once and we'll match you to what you qualify for.
Working Capital
Flexible funding for inventory, reconditioning, payroll, and the everyday costs a floor-plan line won't touch. This is where most dealerships start.
Learn MoreBusiness Line of Credit
Revolving cash you draw on for recon, a bulk buy, or a slow stretch, then pay back and reuse. Interest applies only to what you draw.
Learn MoreEquipment Financing
For your service department, lifts, alignment racks, and diagnostic tools, with terms up to 60 months and the equipment as collateral.
Learn MoreBusiness Loans
Lump-sum capital for a larger project, a facility upgrade, or building out an additional location, on a longer, structured term.
Learn MoreSBA Loans
Longer-term, lower-rate capital for real estate or an acquisition. SBA can't fund floor-plan inventory, but it's a strong fit for property and growth.
Learn MoreRevenue-Based Financing
Funding with repayment that flexes with your sales, so it eases off in a slow month instead of staying fixed through the winter trough.
Learn MoreWhy Dealership Owners Choose Us
We've funded independent used-car lots and privately owned franchised dealerships, so we know the rhythm of the business: the floor-plan clock, the recon that ties up cash, the wait for deals to fund, and the slow winter before the tax-season rush. We fund what keeps the store moving between sales.
See What You Qualify For- We understand floor plan, recon, and the contracts-in-transit gap
- Funding for the costs a floor-plan line doesn't cover
- Works alongside your existing floor-plan line
- Approval in 4 – 8 hours
- Soft credit pull that won't affect your score
- A dedicated advisor who knows the car business
See If Your Dealership Is a Fit
Dealership funding comes with a few more requirements than most industries. You're likely a fit if your dealership has been operating at least 3 years, brings in $100,000 or more a month (about $1.5 million a year), and either owns at least 25% of its inventory outright or owns its lot. The fastest way to know for sure is to check, it's free and won't affect your credit.
3+ Years
In Business
$100K+/mo
Revenue (~$1.5M/yr)
25%+ Owned
Inventory, or own your lot
See What You Qualify For
It takes less than 30 seconds. Soft credit pull, won't affect your score.
Auto Dealership Funding FAQs
Do you provide floor plan financing?
We provide flexible working capital that dealerships use for inventory and everything around it, reconditioning, payroll, operations, and growth. It works alongside your existing floor-plan line rather than replacing the title-and-curtailment structure of a traditional floor plan. In short, we fund the costs your floor plan doesn't.
What can dealerships use the funding for?
Inventory and auction purchases, reconditioning, bridging the gap while a deal funds, payroll and rent in a slow month, marketing, and growth like a second lot or a bulk buy. You apply once and we match you to the funding you qualify for.
Do you fund independent used-car dealers and franchised dealers?
Yes, both. Most US dealerships are independent or family-owned, and we work with independent used-car lots as well as privately owned franchised stores.
Can the funding cover reconditioning and getting cars front-line ready?
Yes. Reconditioning is a classic upfront cash drain, you pay for transport, repairs, and detailing before the unit can sell. Working capital covers that spend so it isn't coming straight out of your operating account.
Can it bridge contracts-in-transit while I wait for a lender to fund a deal?
Yes. When a customer has taken delivery but the lender hasn't funded the paper yet, that gap can run several days or longer. Working capital can cover the wait so a delivered-but-unfunded deal doesn't leave you short.
Can I get funding to cover payroll and rent in a slow month?
Yes. The winter months before tax-refund season are a common slow stretch, and payroll, rent, and floor-plan interest don't pause. Bridging that trough is one of the most common reasons dealerships seek working capital.
Can I use it to fund a second lot or buy inventory in bulk?
Yes. Growth capital, a second location, a bulk purchase, or a facility upgrade, is often the hardest thing to self-fund, and it's exactly what a floor-plan line and a slow bank process won't cover.
What does it take for a dealership to qualify?
You're likely a fit if your dealership has been operating at least 3 years, brings in $100,000 or more a month (about $1.5 million a year), and either owns at least 25% of its inventory outright or owns its lot. We cast a wide net, so the fastest way to know for sure is to check, it's free and won't affect your credit.
Will applying affect my credit score?
No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.
How fast can I get funded?
Approval typically comes within 4 to 8 hours, with funds following shortly after, far faster than a bank or SBA process, which can run weeks of paperwork.
Specialized Funding
Other Business Types We Fund
We build dedicated funding guides for specific business types. Explore others below, or see the full Auto Repair & Dealerships overview.
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