Dealerships tie up enormous cash in vehicle inventory and carry heavy facility costs. Beyond floor-plan financing for the lot, funding covers operations, reconditioning, and the working capital that keeps the business moving.
What car dealerships use funding for
- Reconditioning and service-department equipment
- Facility, showroom, and lot upgrades
- Marketing and advertising
- Technology: DMS, CRM, and online listings
- Working capital to supplement floor-plan financing
How much can you borrow?
Dealerships typically borrow $25,000 to $1,000,000+ — working capital and term loans for operations, reconditioning, and facilities, alongside the specialized floor-plan financing that stocks the lot.
The cash-flow challenge for car dealerships
Vehicle inventory ties up huge sums, and while floor-plan lines fund the cars themselves, reconditioning, marketing, facilities, and payroll still demand cash. Sales volume swings with the season and the economy.
Tip: Floor-plan financing covers the cars, but a separate operating line handles reconditioning, marketing, and payroll without straining it.
Best financing options
Reconditioning and service equipment fit equipment financing. Operations, marketing, and facility upgrades suit working capital, a line of credit, or a term loan.
Before you sign any offer, run the numbers through our business loan & MCA calculator to see the real APR and total payback.
Fund your dealership
Reconditioning, facilities, or operations — funding beyond the floor plan.
Check My Funding OptionsFrequently asked questions
Can I get funding beyond floor-plan financing?
Yes — floor-plan lines fund the vehicles, while working capital and term loans cover reconditioning, marketing, facilities, and payroll.
How do dealerships finance reconditioning equipment?
Service and reconditioning equipment is financed as equipment, with the gear as collateral, so it pays for itself through the vehicles it prepares.