Improve dealer funding speed
Process transactions faster and reduce delays across dealership financing workflows, ensuring consistent handling of funding requests and inventory movements.
Powering modern floorplan finance
SBS provides US lenders with a platform to manage floorplan finance operations across automotive and equipment portfolios. Process dealer transactions, manage credit lines, and maintain accurate inventory positions while supporting high-volume lending activity across dealer networks.
Highlights
Proven scale across floorplan finance operations
SBS supports high-volume floorplan finance across US dealer networks, enabling lenders to process automotive and equipment transactions, track inventory-backed assets, and manage credit exposure at scale. The platform ensures consistent execution across diverse portfolios and operational environments.
- 5
Floorplan units processed annually
Process high volumes of vehicle and equipment finance with structured transaction handling across US dealer networks.
- 87
Lending transactions managed
Support automotive and equipment portfolios with consistent processing of dealer funding, payments, and inventory lending.
- 70
Auto captives operate using SBS
Trusted by auto finance providers, SBS supports dealer networks and scalable floorplan operations aligned to standards.
- 500
Assets managed across portfolio
SBS support large automotive and equipment finance portfolios with proven scale across high-value, asset-backed lending.
Benefits
Simplify operations across floorplan and dealer finance
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Control across dealer portfolios
Track inventory-backed lending across multiple dealers and locations while maintaining consistent account structures and clear oversight of financed assets.
Expand across asset segments
Scale operations across automotive, truck, and equipment finance portfolios without requiring additional systems or introducing operational fragmentation.
Standardize finance processes
Ensure consistent execution across transactions, accounts, and portfolios with structured workflows that reduce variation and support repeatable processes across dealer networks.
SBS Floorplan Servicing
Operating at scale across complex dealer networks
SBS supports floorplan lenders managing large, multi-location dealer networks with varied structures, asset types, and operational requirements. From independent dealers to national groups, the platform enables consistent execution across locations, ensuring transactions, accounts, and processes are handled uniformly at scale.
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Multi-location dealer network support
Manage dealer groups across multiple locations with consistent processes and aligned handling of funding, inventory, and servicing activity.
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Consistent execution across locations
Apply the same processing and servicing standards across all dealer sites, reducing variation in how transactions and accounts are handled.
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Support for complex dealer structures
Support complex dealer structures with varying credit lines and business models within a single servicing environment.
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Align processes across portfolios
Apply consistent servicing processes across vehicles, commercial fleets, and equipment within portfolios spanning multiple asset types.
Core capabilities across floorplan processing and servicing
SBS supports US floorplan finance with capabilities for processing, servicing, and managing dealer lending across high-volume automotive and equipment portfolios.
Dealer funding transaction processing
Execute floorplan transactions including loan activation, inventory funding, payoffs, curtailments, and dealer transfers, applying rules to enforce credit terms and maintain accurate records of all funds 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 to reflect current inventory positions, payments, and exposure.
Portfolio tracking and financial controls
Maintain account structures across dealer portfolios by monitoring exposure, reconciling balances, and tracking asset positions. Ensure consistency across locations and support large portfolios across vehicles and equipment.
Audit-ready records and regulatory reporting
Maintain audit trails across transactions, approvals, and account activity to meet US compliance requirements. Capture user actions, ensure data accuracy, and generate reports supporting governance and regulatory standards.
Technology
Modern platform supporting scalable lending environments
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The next-gen platform for all your asset finance needs
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Frequently Asked Questions
Common questions about how SBS Wholesale Finance handles loan structures, dealer self-service, and US floorplan operations.
Both asset-backed and non-asset-backed funding types, with each loan arrangement configurable as either open or restricted to specific organizations or groups, so a lender isn’t limited to one standard loan template across their whole dealer network.
Dealers can track and manage their own portfolios directly through the portal interface or via API requests, rather than needing to go through the lender for routine status checks.
Every transaction, user action, and input is tracked with dates and actions recorded, and that audit data can be viewed or downloaded in real time, so reporting isn’t a manual reconciliation exercise at month-end.
The platform gives lenders a single operational view across every dealer location in their US network, rather than managing floorplan lines location by location, and can apply consistent underwriting, funding, and reporting processes across every location in that network.
Workflow and business rule engines can be customized to trigger automated validation checks based on data, transactional, and loan entries, reducing manual intervention on routine approvals while still flagging exceptions for review.
US floorplan finance covers dealer inventory financing structured around US market conventions, state-by-state dealer licensing, US accounting and tax treatment, and US original equipment manufacturer (OEM) captive relationships. SBS Wholesale Finance is configured specifically for these conditions rather than adapted from a non-US default.