Dealer Capital
Capital underwritten on the dealership itself: how a lender reads F&I production, unit velocity, floorplan exposure and dealer cash flow.
- Dealer Capital
Term Loans for Dealerships: Where They Fit Between Floorplan and MCA
The instrument in the middle: monthly amortization sized on coverage. What term debt funds well at a store, how the desk sizes it, and when it is the wrong tool.
- Dealer Capital
Refinancing a Dealership: Reworking the Whole Debt Stack
Most dealership debt problems are structure problems. How to read your own stack, what refinancing actually fixes, and the order that gets a store bankable.
- Dealer Capital
Financing the Service Department: Lifts, Booths and Diagnostics
Service absorption is the strongest number a dealership can show a lender. The equipment that builds it, and how to finance a bay without wrecking cash.
- Dealer Capital
SBA 504 for Dealership Real Estate and Facilities
How a dealership buys its rooftop: the 504 structure, the owner-occupancy rule, what qualifies beyond the building, and the rent-versus-own arithmetic.
- Dealer Capital
SBA 7(a) for Car Dealerships: What the Program Actually Funds
Where a 7(a) loan fits at a dealership (acquisitions, buyouts, renovation and working capital) and where it does not, starting with inventory.
- Dealer Capital
Dealer Capital: The Complete Guide
How a credit desk underwrites a car store: gross per unit, turn, floorplan exposure, F&I production, and which capital structure fits which problem.
- Dealer Capital
What a Dealer Needs in a Funding File
The document set that gets a store underwritten instead of stalled: what each item answers, which four numbers must agree, and how to package it.
- Dealer Capital
Real-Estate-Backed Dealer Capital
If you own the lot, the capital conversation changes. Valuation of a special-use property, environmental review, cash-out mechanics and the real timeline.
- Dealer Capital
Working Capital vs Floorplan: Two Different Problems
Floorplan buys cars. It does not fund recon, advertising, payroll or contracts in transit. Confusing the two is how dealers run out of room at the sale.
- Dealer Capital
Unit Velocity and Days on Lot
Turn is the dealership's real interest rate. How days supply is measured, what an aged unit actually costs per day, and why the 90-plus bucket decides files.
- Dealer Capital
F&I Production as a Credit Signal
Back-end income tells an underwriter more about a store than front gross does. Here is how the number is built, discounted, and read as management quality.
- Dealer Capital
How Lenders Underwrite a Used-Car Dealership
A dealer P&L reads nothing like a normal small business. Here is how a credit desk rebuilds it, what it adjusts, and what actually decides the file.
Programs in this area
The financing these articles describe, with the numbers and documentation each one requires.
- Owner-Occupied
SBA 7(a)
Government-backed capital for owner-occupied CRE and expansion.
- Fixed-Rate CRE
SBA 504
Long-term fixed-rate financing for owner-occupied real estate.
- Operating Liquidity
Dealer Working Capital
Capital for growth, payoff, inventory and operating liquidity.
- Collateral-Backed
Real-Estate-Backed Dealer Capital
Larger approvals and cleaner pricing when the principal holds real estate.
- Inventory Analysis
Floorplan Support
Capital sized against inventory movement, aging and payoff behavior.
Have the desk underwrite your store, not a generic small business.
No credit pull to start. You will get a straight answer on where the file stands.