Shorter dealer funding cycles
Reduce delays caused by approvals, documentation, and manual checks so dealers can access funding faster and turn inventory more efficiently.
Scale floorplan operations, control risk
SBS provides US lenders with a platform to manage floorplan finance and asset auditing in one environment. Process dealer transactions, control inventory, and apply hybrid audit approaches to verify assets and maintain consistent oversight across dealer networks.
Highlights
Proven scale across US floorplan and audit
SBS supports high-volume floorplan lenders processing billions in transactions while managing risk across large dealer networks. Our solutions combine operational efficiency with scalable auditing to help organisations reduce costs, improve control, and confidently expand their lending footprint.
- 5
Floorplan units processed annually
Scale lending with automated processing that handles high volumes without adding manual effort or operational complexity.
- 87
Wholesale transactions annually
Process lending with real-time transactions, financial controls, and transparency across dealer funding, payments, and portfolios.
- 18
Active audit locations monitored
Maintain oversight across dealer networks with continuous monitoring and audit tools designed to identify risks earlier.
- 50
Audit cost reduction achieved
Replace costly physical audits with scalable digital solutions that increase audit frequency and improve accuracy.
Benefits
What improves across operation and risk teams?
-
Fewer manual touchpoints
Automated processes reduce reliance on back-office intervention, lowering operational workload and improving consistency across high-volume lending activity.
Increased audit coverage
Expand audit frequency across more dealer locations without scaling field audit teams by leveraging digital and hybrid audit approaches.
Faster escalation of risk
Identify and act on anomalies earlier using structured audit outputs and automated triggers, reducing exposure and response times.
SBS Asset Finance
Supporting diverse lending models and asset portfolios
SBS supports lenders across multiple financing models and asset classes. From floorplan and dealer finance to equipment and commercial lending, our platform enables organisations to manage complex portfolios across different asset types while maintaining consistency, control, and scalability in US lending environments.
-
Floorplan and dealer finance
Support high-volume dealer networks with structured financing, inventory tracking, and transaction processing for floorplan lending models.
-
Auto, fleet and consumer finance
Manage vehicle financing across passenger, light commercial, and fleet portfolios with consistent servicing and lifecycle management.
-
Commercial and equipment finance
Extend financing across agricultural, construction, and industrial equipment with flexible structures for diverse asset types
-
Multi-asset portfolios
Finance vehicles, trucks, marine, powersports, and agricultural equipment within a single platform managing multiple asset classes.
Core capabilities across processing servicing compliance and audits
SBS supports floorplan servicing and auditing in one platform, handling transactions, dealer accounts, US compliance, and hybrid audits with accuracy and control.
Transaction handling and funding execution
Execute floorplan transactions including loan activation, inventory funding, payoffs, curtailments, and dealer transfers. Apply rules to enforce credit terms and keep accurate records of all fund and inventory movements.
Dealer account and lifecycle management
Manage dealer credit lines, track balances and utilisation against limits, and process renewals, amendments, and settlements. Maintain full account histories reflecting current inventory, payments, and outstanding exposure.
US regulatory reporting and audit trails
Maintain audit trails across transactions, changes, and approvals to meet US compliance. Capture user activity, ensure data integrity, and produce consistent reports for audits, governance, and internal accountability.
Hybrid auditing based on risk levels
Run hybrid audits by combining digital self-audits with targeted field inspections based on risk. Capture geo-tagged evidence, verify inventory via images or video, and prioritize checks for higher-risk locations.
Technology
Cloud-native SaaS lending platform
Contact
The next-gen platform for all your asset finance needs
Explore
Other products
Frequently Asked Questions
Answers to common questions about what’s included in the platform, how it supports US floorplan lenders, and how it fits into your existing systems.
It’s a combination of three components working together: SBS Portfolio Management for onboarding and risk (built on Salesforce), SBS Wholesale Servicing for floorplan and dealer transaction processing, and SBS Digital Audit for ongoing inventory verification. These components can be sold and deployed as one connected platform rather than three separate purchases.
SBS Asset Finance processes floorplan transactions for dealer networks across the US, giving lenders a single view of inventory financing across every dealer location a lender supports.
SBS Asset Finance connects directly to SBS Digital Audit’s hybrid audit model, combining digital self-audits with targeted physical inspections, so US lenders can monitor floorplan risk without financing and auditing living in separate systems.
Yes, it’s delivered as cloud-native SaaS, which means lenders aren’t managing on-premise infrastructure or waiting on hardware procurement. This is the same underlying reason legacy-system replacements typically take longer than SBS deployments.
Yes, the platform is built around an API ecosystem designed for both inbound and outbound integration, so it’s intended to sit alongside a lender’s existing core, loan origination system (LOS), or accounting systems rather than requiring a full system replacement.
Yes, the platform is built to let one lender manage multiple asset classes, currencies, and operating jurisdictions from a single system, so a US lender operating across several states doesn’t need a separate instance per state.