Floor Plan Financing
Flexible Inventory Financing for Dealerships
Get what you need when you need it!
Floor Plan Financing
Floor Plan Financing is a type of inventory financing that allows dealerships—such as auto, RV, marine, or equipment dealers—to borrow against each unit of inventory. This flexible funding solution helps dealers purchase stock without tying up cash flow, since the inventory itself serves as collateral. Repayment is typically tied to the sale of each financed unit, making it ideal for businesses with high inventory turnover.
Flexible Interest Rates
SOFR+ OR fixed rates
Short-Term Loans
From 12 – 24 months
Large Funding Amounts
$100,000 – $50,000,000+
How Floor Plan Financing works!
Loan Amount: $100,000 – $50,000,000+ (depending on dealer size and inventory type)
Terms: 12 – 24 months per line, with inventory-specific repayment deadlines (90–180 days per unit)
Rates: SOFR + 2% – 6% OR fixed rates from 6% – 12%
Collateral: Yes – financed inventory; additional collateral may be required
Qualifications: To qualify for a fix and flip loans, most lenders will require the following:
- Credit score: 650+ FICO (ownership), with business credit history also considered
- An established dealership business
- Minimum annual revenue threshold (varies by lender)
- Must be a licensed dealer (auto, RV, marine, etc.)
- Business financial statements (P&L, balance sheet, tax returns)
- Inventory management system
- Signed floor plan financing agreement
Faster Funding’s
Floor Plan Financing: Inventory Loans for Auto, RV & Equipment Dealers
With Floor Plan Financing, dealerships can scale their inventory and maximize sales opportunities without straining cash flow. Apply today to access flexible financing tailored for auto, RV, and equipment dealers.
The Benefits of Floor Plan Financing
Floor plan financing gives dealerships and retailers the working capital they need to stock more inventory without straining cash flow. By using a revolving line of credit, businesses can purchase vehicles, equipment, or other high-value items upfront and pay them off as they sell. This flexible financing option helps improve inventory turnover, maintain a fresh product selection, and free up cash for other operating expenses—all while supporting steady growth and stronger sales.
- Access capital to purchase inventory without draining cash reserves
- Flexible repayment tied to inventory turnover
- Inventory itself serves as collateral
- Scales with dealership size and sales volume
- Supports auto, RV, marine, and equipment dealers
To qualify for Floor Plan Financing, businesses typically need:
- An established dealership business
- Minimum annual revenue threshold (varies by lender)
- Must be a licensed dealer (auto, RV, marine, etc.)
- Business financial statements (P&L, balance sheet, tax returns)
- Inventory management system
- Signed floor plan financing agreement
How It Works
- Apply as a licensed dealer with business financials
- Get approved for a credit line based on inventory needs and financial strength
- Draw funds to purchase new inventory units
- Sell units and repay loan as each vehicle/equipment is sold
- Replenish inventory and repeat the cycle with available credit
How We Work. Our Mission & Values
At Faster Funding, we’re committed to helping businesses of all sizes succeed. Our Floor Plan Financing program is just one of the many ways we’re working to make that happen.
To learn more about our Floor Plan Loans or to apply for other types of funding, please contact us. Our team of experts is standing by to help you find the perfect lending solution for your business.
Faster Funding is Here to Help
Frequently Asked Questions
We understand you are probably wondering how this all works. Here are some key topics to help you make informed decisions to unlock your business’s growth opportunities.
What types of dealers can use Floor Plan Financing?
Auto, RV, marine, powersports, and equipment dealerships commonly use it.
How is repayment structured?
Repayment deadlines are tied to the sale of each unit, often 90–180 days.
Can startup dealerships qualify?
Most lenders require an established business with proven sales, but some programs exist for newer dealerships with strong financial backing.
Do I need additional collateral beyond the inventory?
In many cases, the inventory is enough, but lenders may request personal guarantees or other business assets depending on creditworthiness.
Get Started
Contact us to learn more about our floor plan financing program. Our team of experts is standing by to help you find the perfect financial solution for your business.
