The world’s leading wholesale finance software
Whether you are a new or experience automotive or equipment lender, growing your footprint in the asset finance market is key to longevity. You need a floorplan financing solution, that is innovative, flexible, and scalable. SBS Wholesale Servicing has been globally recognized as a top dealer floorplan financing software every year since 2016.
Affordable cloud-based wholesale finance software
SBS Wholesale Servicing is a ‘evergreen’ solution designed for all financial institutions. The solution is a cloud-native, scalable solution suitable for dealer commercial lending that boasts low costs through a pay-per-use model that includes standard third-party APIs to automate workflows and optimize processes.
AUM with clients
We are proud to be the trusted partner of major banks, OEMs, captives, and big brands globally.
Industry leading clients
Cars, trucks, boats, cranes – our software enables almost any asset to be financed efficiently.
Countries SBS is live in
We specialize in delivering multi-territory solutions, adhering to currency, tax, and legal requirements.
Units processed last year
Our diverse wholesale finance customer and asset base gives us the experience to deal with almost any business case.
Benefits
Gain comprehensive overview of your full wholesale operations
Complete floorplan financing
Cloud-native and evergreen, our software is designed to innovate wholesale operations, leveraging the latest technology for efficient and scalable lending operations.
Clear subscription costs
SBS Wholesale Servicing is a cost-effective choice for lenders of any scale, featuring low total cost of ownership and minimal market entry costs.
Accelerate products to market
Streamlined processes powered by unique business rules allow lenders to swiftly launch new services and meet market demands effectively.
Modular solution integrations
Increase lender happiness and enhance their day-to-day operations with the complete ecosystem and solution component integrations.
Customer engagement app
Conveniently manage SBS Wholesale Servicing on the go with the SBS Customer Engagement App. Get quick valuation, approval, and seamlessly integrate new purchased into the SBS Wholesale Servicing and gain a clear financial oversight through a solution that enables lenders to share information digitally with dealers.
Gain full overview of operations
Access stock overview, upload documents, and access statements and invoices on the go.
Real-time lender connectivity
Enable fast-track funding approval and instant purchase funding with ease.
Essential system updates
Receive important system updates on a conveniently and easy to use mobile app.
Simplify loan settlements
Manage loan settlements with easy to use swipe to settle feature.
Full range of wholesale finance capabilities
Reduce manual touchpoints with a world-class dealer commercial lending solution, delivered through the cloud, at an affordable price with outstanding functionality integrations.
Self-service portal
Tailored loans
Global support
Full audit trail
Track and manage asset portfolios
Our easy-to-use self-service dealer portal enables authorized end-users to directly track and manage their portfolios through an intuitive user interface or via API requests, providing greater control and efficiency in operations.
Asset & non-asset backed funding types
Multiple loan types supported, including asset and non-asset backed funding. Each loan arrangement can be tailored to be either open or restricted to specific organizations or groups, providing flexibility to meet diverse financial needs.
Support locations across multiple geographies
Designed to support multi-currency and multi-lingual setups, adapting to various market conditions and locations. Set different funding parameters based on specific market needs, ensuring global reach with localized precision.
Make more informed business decisions
Maintain transparency through tracking users, transactions, and inputs. Real-time audit data can be viewed or downloaded, with dates and actions meticulously recorded for each entry, ensuring accountability and full oversight.
Technology
Full and comprehensive, integrated in the ecosystem
The next-gen solution for all your asset finance needs
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FAQs
Find answers to our most commonly asked questions about SBS Wholesale Servicing .
What is SBS Wholesale Servicing? + –
SBS Wholesale Servicing is the world’s leading cloud-native dealer floorplan (wholesale) financing platform from SBS. It is purpose-built for banks, OEM captives, independent finance companies, and specialized lenders who provide inventory/stock financing to dealers of cars, trucks, boats, cranes, RVs, powersports, agricultural, and construction equipment. Globally recognized every year since 2016 as the top wholesale finance software.
Can the platform handle multiple asset types? + –
Yes, our software efficiently finances cars, trucks, boats, cranes, and virtually any asset type across 50 countries worldwide.
What makes SBS Wholesale Servicing different in 2026? + –
Our platform combines cloud-native technology with a proven track record of recognition since 2016, offering the most comprehensive and cost-effective wholesale finance solution available today.
What types of lenders use SBS Wholesale Servicing? + –
Major global banks, OEM captive finance arms (e.g., Mercedes-Benz, BMW, Toyota Financial Services, Volvo Financial Services), large independent floorplan providers (e.g., NextGear Capital, TD Auto Finance), and regional/specialized lenders across automotive, equipment, marine, and powersports sectors.
How quickly can a lender launch a new wholesale program with SBS Wholesale Servicing? + –
Many clients go live in 3–9 months (compared to 18–36 months with legacy systems). The combination of pre-built business rules, standard APIs, and the evergreen model dramatically accelerates deployment.
Who are some named clients using SBS Wholesale Servicing? + –
Mercedes-Benz Financial Services, BMW Financial Services, Toyota Financial Services, Volvo Financial Services, Nissan Motor Acceptance, Santander Consumer USA, TD Auto Finance, NextGear Capital, Standard Bank, and many top-20 global floorplan lenders.
Why do clients say SBS Wholesale Servicing is the most dealer-friendly platform? + –
Dealers consistently rate it highest because of the intuitive self-service portal, mobile app with swipe-to-settle, instant approvals, transparent statements, and the fact that lenders using SBS Wholesale Servicing offer fast funding
Can smaller or regional lenders afford and use SBS Wholesale Servicing? + –
Yes and the pay-per-use subscription model and rapid deployment make it accessible for mid-tier and regional lenders who previously thought world-class wholesale software was out of reach.
How does the pricing model work? + –
SBS Wholesale Servicing uses a transparent, pay-per-use subscription model. This helps lenders reduce the total cost of ownership, avoid hidden fees, and enter new markets with minimal upfront investment.
Can the platform support multi-country and multi-currency operations? + –
Yes. The solution is live in over 50 countries and supports multi-currency, multi-language, tax, and legal requirements, making it suitable for lenders operating across multiple territories.