Built for operators, not cash-advance cycles
Access structured capital for used-car dealerships through a full-doc review of your real business: revenue, inventory, floorplan exposure, F&I production, bank activity, real estate collateral, and repayment capacity.
Preliminary review only. Final terms are subject to underwriting, collateral review, lender approval, documentation, market conditions, and due diligence.
The problem
Many dealers use MCAs, short-term advances, or aggressive floorplan structures because they need capital quickly. The problem is not always access. It is repayment pressure: daily withdrawals, stacked advances, curtailments, audit fees, high factor rates, and short payback windows.
The solution
The review is built around the actual dealership file. The AI underwriter does not ask the client to pick a product first. It collects evidence, screens the documents, and identifies the likely path.
The goal is not just to fund the dealer. The goal is to structure capital the dealer can actually live with.
Program types
For dealers or principals with commercial or investment real estate. May support larger approvals, cleaner pricing, and longer terms depending on appraisal, lien position, cash flow, and underwriting.
For qualified dealers seeking capital for growth, payoff, inventory expansion, vendor obligations, tax cleanup, or operational liquidity.
For dealers carrying MCA balances or expensive short-term obligations. We review whether pressure-heavy capital can be consolidated or replaced with a cleaner structure.
For dealers with floorplan exposure. We review inventory movement, balances, payoff behavior, aging units, and collateral controls before recommending added capital.
Cost comparison
A term loan, an MCA, and a floorplan facility can all give a dealer access to money. The repayment pressure and total cost can be completely different.
Used only for the cash-flow pressure score.
MCA rough annualized cost: 35%
For illustration only. Floorplan estimate reflects carrying cost, not a full inventory payoff schedule. MCA annualized cost is an estimate and may differ from legal APR calculations.
Required package
The review starts with documents, not product selection. If the package is incomplete, the result explains exactly what is missing and why an underwriter would ask for it.
Process
Contact details and uploads land in an encrypted file room.
The underwriter reviews files and asks only essential follow-up questions.
Missing documents, discrepancies, and lender questions are clearly listed.
Likely funding path is identified before the file reaches capital partners.
Common questions
Start the screen
The AI intake collects contact info, documents, capital need, real estate schedule, estimated credit score, and referral source, then returns a strict preliminary screen.