Dealer floor-plan directory
A floor plan helps finance inventory while it is waiting to sell. Compare lenders, financing costs and inventory insurance requirements before choosing a line.
Compare financing options for your dealership and inventory. Availability and approval depend on the lender, your location and your business. Lenders operate independently; inclusion is not an affiliation or endorsement.
18 companies
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Inventory credit for independent used-car dealers, with programs covering vehicles sourced at auctions, through trade-ins and through other approved purchases. AFC also lists powersports and RV inventory among its financing categories.
Ask which inventory sources and vehicle categories your approved line allows.
Revolving inventory credit for independent dealers. Its floor-plan program describes retail, wholesale, salvage, commercial truck and specialty units, with auction and eligible non-auction purchase options.
Non-auction purchases may need separate program setup. Review the terms for your approved line.
Dealer inventory financing with auction purchase programs, title management and online account tools. The company also offers ways to add eligible vehicles purchased from third parties to a floor-plan line.
Ask about purchase-source eligibility, term fees, curtailments and any conditions attached to promotions.
Floor-plan financing focused on independent car dealers, including dealers getting started and those with an established operation. Its programs combine inventory credit with auction and title support.
Ask how advance amounts, term options and inventory eligibility fit your dealership.
Inventory financing for independent auto dealers, with local representatives and programs presented for new, growing and established lots. The company invites both startup and experienced dealers to discuss a line.
Confirm local availability and the credit requirements for your stage of business.
Automotive dealer floor-plan lending with auction purchasing and a Checkbook program for eligible purchases outside the auction. Its website separates dealer inventory financing from its consumer auto-loan services.
Ask whether the Checkbook program is included in your offer and which purchases qualify.
Inventory financing for auto dealers buying through auctions, dealer trades and other approved sources. AXLE provides a branch network and an application page where dealers can start a review of their business.
Market: United States; the provider describes national coverage.
Formerly Auction Credit and XL Funding. Confirm eligible purchase sources and requirements for your approved line.
Floor-plan financing designed for independent auto dealers purchasing and holding inventory. Its site provides a dealer application, auction finder and service-area contacts so dealers can check local availability before requesting terms.
Check the service-area contacts for your dealership’s location and accepted purchase sources.
A dedicated dealership floor-planning program separate from Lendbuzz's consumer auto loans. Dealers can contact the floorplan team through the product page to discuss inventory funding, business eligibility and the application process.
Ask the floorplan team about independent used-dealer eligibility and availability in your state. Consumer auto financing is a separate program.
Dealer inventory financing connected to ACV Auctions, with support for approved purchases beyond the ACV marketplace. The program describes physical-auction purchases, trade-ins and direct consumer acquisitions among its available funding channels.
Market: United States; the product describes participating physical-auction locations across the country.
Confirm which auction and non-auction purchases qualify. The credit application uses an ACV account.
Bank floor-plan financing focused on established independent car dealerships. The program emphasizes operating history, financial strength, inventory equity and vehicle turnover, making its published qualification criteria useful for dealers comparing potential financing partners.
Best researched by established operations; review the bank’s published operating-history and financial criteria.
Vehicle Acceptance Corporation offers dealer inventory financing with program choices tied to expected vehicle holding periods. Its materials describe auction access, qualifying non-auction purchases and local representatives who can explain available options.
Ask about limits on non-auction purchases and reflooring, and compare the program against your expected inventory holding period.
Inventory financing for select independent buy-here-pay-here dealerships. CAR Financial's floor-plan product supports auction and non-auction acquisitions and sits alongside separate receivables-purchase and servicing programs that address different parts of a dealer's business.
Available to select independent BHPH dealers. Receivables purchasing and servicing are separate programs.
A regional floor-plan provider serving independent used-car dealers through local branches and online account tools. Its application identifies a specific service territory, giving dealers a useful starting point for checking availability before applying.
Market: Mississippi, Alabama, Georgia, Tennessee, the Florida panhandle, Arkansas and Kentucky.
The listed Florida territory is the panhandle. Dealers outside the stated territory should contact the company about availability.
A floor-plan provider focused on independent used-car dealers in the Southeast. Its website explains the inventory-financing program and provides a confidential dealer application for businesses that want to request a credit review.
Market: Southeastern United States; confirm individual state availability.
Confirm your state and the current fees and terms for your dealership.
A regional floor-plan provider focused on independent dealerships in North Carolina, South Carolina and Georgia. Dealers can review the program and submit an application directly through the company's site for individual consideration.
Market: North Carolina, South Carolina and Georgia.
Check eligibility and terms for your dealership’s location within the company’s three-state service area.
A regional dealer-finance company with a dedicated floor-plan program for vehicle inventory purchases. Its published floor-plan service area covers Florida, Georgia, Alabama and South Carolina, with terms to confirm directly before applying.
Market: Florida, Georgia, Alabama and South Carolina.
Ask for current availability and a complete fee schedule. Retail and receivables financing are separate programs.
Specialty inventory financing for marine, RV and transportation businesses. This is an option for dealers stocking boats, recreational vehicles, trailers or commercial specialty vehicles, with supplier and product eligibility requiring individual review.
Market: United States and Canada.
A specialty inventory resource. Confirm eligibility for used units, approved suppliers and your particular product mix.
Ask the provider for its current availability, underwriting requirements and written terms.
Before choosing a line
The size of the credit line is only one part of the deal. These are the questions that make two offers easier to compare.
| Compare | What to ask |
|---|---|
| Inventory and purchase sources | Which vehicle types, ages and values qualify? Are auctions, trade-ins, street purchases and dealer-to-dealer purchases eligible? |
| Advance amount | How much of the purchase will the line finance? Are auction fees, transportation or other costs included? |
| Interest and fees | What is the interest rate, and can it change? Check setup, transaction, term, extension, audit, title, late and payoff fees where applicable. |
| Aging and curtailments | When does principal need to be paid down on an unsold unit? What happens at the end of the term? A curtailment is a principal payment, not just interest. |
| Payoff and titles | How soon after sale is payoff due, how are funds applied, and when is the title released? |
| Audits and reporting | How often are inventory checks required? How are vehicles away for repair, transport or demonstrations handled? |
| Security and guarantees | What collateral, personal guarantee or other obligations are part of the agreement? |
| Inventory insurance | What limits, per-auto maximum, deductibles, covered locations and loss-payee wording does the lender require? Is a lender protection program included or charged separately? |
Providers set their own rates, fees and credit limits. Promotional terms can change, so compare the written offer for your dealership.
NextGear: how floor planning works · AFC: floor-plan programs
Your lender and your insurance
Garage liability and protection for the vehicles on your lot do different jobs. A lender’s collateral protection program may have different limits, exclusions and beneficiaries from your own dealer physical damage policy. Check how it handles cars paid for in cash, financed elsewhere, in transit or off the lot.
When two companies finance inventory, both lenders’ interests need to be addressed. A certificate by itself does not change the policy; the accepted coverage and loss-payee terms matter.
A dealer’s October 6, 2026 quote included $500,000 garage liability and $250,000 inventory coverage, with a $25,000 maximum per auto and $1,000 comprehensive and collision deductibles. NextGear Capital and AFC were listed as loss payees. The total annual package premium was $3,264.
This was one dealer’s quote, not a price offer or a standard lender requirement. See all five quote examples and details →
Start your application online. You can add a dealer bond quote, too.