Capital underwritten on the dealership itself.
Used-car dealerships financed on the real business, inventory, floorplan exposure, F&I production and cash flow.
- SBA 7(a) and 504
- Dealer working capital
- Revenue-based financing
10 ways to finance a auto & dealer deal.
Auto & dealer
10 programs| Program | Amount | Term | Typical close |
|---|---|---|---|
| SBA 7(a)All industries | to $5M | 10–25 yr | 30 days |
| SBA 504All industries | to $5.5M | 10–25 yr | 90 days |
| SBA ExpressAll industries | to $500K | Up to 10 yr | 14 days |
| Dealer Working Capital | $50K–$2M | 1–5 yr | 5 days |
| Real-Estate-Backed Dealer Capital | to $10M | 5–25 yr | 30 days |
| MCA Refinance | Up to $350K | Up to 10 yr | 5 days |
| Floorplan Support | to $5M | Revolving | 7 days |
| Revenue-Based Financing | $25K – $10M | 12–14+ mo | 3 days |
| Equipment FinancingAll industries | $25K–$2M | 24–84 mo | File review |
| SBA ExpressAll industries | to $500K | 7 yr line / 10 yr term | 21 days |
Amounts, terms and timelines are typical ranges for complete files and are subject to underwriting, collateral review, documentation, third-party reports and lender approval. Nothing here is a commitment to lend. SBA programs are additionally subject to SBA eligibility and approval.
How long each auto & dealer 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.
Enter assumptions to explore the math. No lender rate is preselected, and selecting a term does not make it available or approved.
- Monthly equivalent
- $20,000
- Per business day (21/month)
- $952
A monthly equivalent is an orientation figure, not a replacement for each agreement’s actual debit schedule.
Choose 1 or 2 active MCAs and enter valid payoff, remaining period, hypothetical rate and term to see the illustration.
Illustration only, not an offer or credit decision. Standard program maximum: $350,000, 120 months and 2 active MCAs. The model assumes fixed monthly amortization at the annual rate you enter, no fees or additional cash-out, and no changes to the rate. A lower monthly payment can increase total cost. Final eligibility, term, pricing, payoff amounts, fees and availability require verified documents and lender approval. Applications with more than 2 MCAs remain open to manual review.
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 auto & dealer deal?
Estimated rate, leverage and payment, with no credit pull.