For a car dealer, cash is tied up in steel — every vehicle on your lot is capital waiting to turn. Auto dealer financing keeps your inventory fresh and your operations funded, so you can buy the right cars, recondition them fast, and keep sales moving.
What dealers fund
- Inventory — buy vehicles to keep the lot full and varied.
- Reconditioning — detailing, repairs and prep to sell faster and higher.
- Working capital — payroll, marketing, floor and operations.
- Facility & equipment — service bays, lifts and lot improvements.
- Expansion — grow your inventory line or open a second lot.
Funding options
Working capital for inventory, reconditioning and operations — no minimum credit score on many programs. Line of credit to buy cars as opportunities appear and repay as they sell. A no-cost advisor finds your best fit.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do car dealers get funding?
Working capital to buy and recondition inventory, and lines of credit to stock the lot — many with no minimum credit score.
Can an independent used car dealer qualify?
Yes — revenue-based programs approve on your deposits, a strong fit for independent and used car dealers.
How fast is funding?
Working capital can fund the same or next business day.