El capital se sometió al concesionario mismo.
Concesionarios de autos usados financiados en el negocio real, inventario, exposición al suelo, producción de F plagaI y flujo de efectivo.
- SBA 7(a) y 504
- Capital de trabajo del concesionario
- Financiamiento basado en ingresos
8 ways to finance a distribuidor automático deal.
Distribuidor automático
8 programas| Programa | Monto | Plazo | Cierre típico |
|---|---|---|---|
| SBA 7(a)Todas las industrias | to $5M | 10 a 25 años | 30 días |
| SBA 504Todas las industrias | to $5.5M | 10 a 25 años | 90 días |
| Dealer Working Capital | $50K–$2M | 1-5 yr | 5 días |
| Capital del concesionario de estado real | to $10M | 5 a 25 años | 30 días |
| MCA Refinance | $25K–$200K | 1-5 yr | 5 días |
| Apoyo al plan de piso | to $5M | Revolver | 7 días |
| Financiamiento basado en ingresos | $25K – $10M | hasta 14 meses | 3 días |
| SBA expresoTodas las industrias | to $500K | Línea 7 años / plazo 10 años | 21 días |
Los montos, plazos y tiempos son rangos típicos para expedientes completos y están sujetos a evaluación, revisión de garantías, documentación, informes de terceros y aprobación del prestamista. Nada de lo aquí indicado constituye un compromiso de préstamo. Los programas SBA también están sujetos a elegibilidad y aprobación de la SBA.
How long each distribuidor automático program takes.
Typical time from a complete file to funding, against the conventional brokered path.
Typical timelines measured from submission of a complete file. Actual timing depends on documentation, third-party reports, title and lender approval. Not a guarantee or a commitment to lend. SBA programs are subject to SBA eligibility and approval requirements.
Daily draws become expensive money.
A term loan, a daily-draw advance, revenue-based financing and a floorplan line can all put capital in the account. What separates them is repayment pressure — how often it collects, over how long, and what it totals. Run your own numbers.
Your 6 months becomes 12.
Restructured bar drawn at the 35% ceiling on purpose, the band only improves from there.
Illustrative estimates only, computed from the 19%–35% simple annual interest band and the derived term, not an offer, a rate quote or a guarantee of approval. Simple interest, not APR. Final structure, pricing and eligibility are subject to underwriting and documentation.
The dealer library.
How a credit desk actually reads a store: floorplan mechanics, SBA programs through a dealer lens, MCA recovery, and the file that gets a dealership funded.
- 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
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.
- Floorplan & Inventory
How a Floorplan Line Actually Works: Advances, Curtailments and Audits
Floorplan is not a loan against your dealership. It is a secured revolver with per-unit accounting, forced principal paydowns and a physical inspection attached.
- MCA Relief & Debt Consolidation
Escaping MCA Debt: The Dealer Recovery Playbook
A step-by-step recovery framework for operators carrying stacked advances: map the positions, compute the real burden, pick a route, and sequence the payoffs.
Ready to price a distribuidor automático deal?
Estimated rate, leverage and payment, with no credit pull.