Flexible Dealer Floor Plan Financing

Dealer floor plan financing is a revolving credit facility that helps dealerships purchase inventory before it is sold. Instead of paying cash for each unit upfront, the dealer uses approved financing secured by inventory or related collateral. As units sell, the dealer pays down the line and can reuse available credit for additional inventory purchases.

Dealer floor plan financing is commonly used by automotive, powersports, RV, equipment, and specialty vehicle dealers that need capital to acquire inventory. Lenders typically review the dealership’s operating history, inventory mix, sales velocity, collateral value, repayment process, and overall credit profile before proposing a structure.

A floor plan line gives dealers flexible purchasing power without draining operating cash. It can support faster inventory turns, larger purchase opportunities, seasonal stocking needs, and growth into new product categories. Because the line is tied to inventory activity, it may provide a more practical structure than a fixed-term business loan.

Lenders often consider titled vehicles, equipment, wholesale units, receivables, business assets, or other eligible collateral depending on the dealership and transaction. Stirling Capital Group helps evaluate which lending sources may fit the collateral type, borrowing need, and repayment path instead of relying on one narrow bank standard.

Funding speed depends on the completeness of financial records, inventory details, collateral documentation, and lender requirements. Stirling Capital Group supports pre-qualification, pre-underwriting, and origination to help move viable opportunities forward efficiently, especially when dealers are pursuing time-sensitive inventory purchases or competitive wholesale opportunities.

Rates and terms vary based on collateral, inventory type, dealership strength, advance rates, repayment expectations, and lender appetite. Private lending options may provide more flexibility than traditional banks, but pricing reflects risk, structure, and speed. A consultation helps identify realistic funding options before formal lender review.

Yes. Stirling Capital Group specializes in customized capital solutions when traditional banking is too restrictive or unavailable. Through access to over sixty private lending sources, the firm can evaluate non-bank and specialty finance options that may consider collateral, transaction strength, cash flow, and business potential more flexibly.

Helpful documents usually include dealership financial statements, inventory reports, sales history, business bank statements, entity documents, debt schedules, and details on the requested facility size. For collateral-based structures, lenders may also request title information, valuation support, aging reports, or purchase documentation for units being financed.