Capital Insights

  • Floorplan financing leverages institutional credit to preserve operating cash reserves for marketing and recon.
  • Typical floorplan fees: $125–$195 per unit origination plus Prime + 2.5% to 4.5% APR calculated daily.
  • FlipLane provides institutional floorplan clearing, isolating partner operators from personal debt recourse.

Capital is the fuel of automotive wholesaling. Understanding how floorplan credit facilities operate empowers dealers to hold 10 active vehicles concurrently without tying up $200,000 of their own savings.

"Wholesale dealer auction access allows independent operators to purchase inventory 15% to 30% below retail book value, bypassing dealership markups entirely."