Wholesale inventory financing

Ally Wholesale Financing (Floorplan)

Dealer-facing profile: typical fit, operational expectations, and official resources.

Best fit: Qualified dealers needing flexible credit lines for new/used inventory including auction purchases and rentals/fleet units.

Watch for: Qualification standards, advance rates by category, curtailment schedules, and reporting requirements.

What dealers should verify before applying

Eligible inventory types (retail, wholesale, salvage, specialty)
Advance rate rules (by unit type, age, mileage, and source)
Curtailment schedule and grace periods
Audit frequency and audit method (on-site, virtual, self-audit)
Title policy and exception handling
Fee schedule (interest, curtailments, late fees, audit fees if any)

Dealer tip: Floorplan performance is judged by net availability (availability after curtailments + audit exceptions), not the headline line amount.

Official resources

Source notes

Ally describes flexible credit lines for floorplan and lists new vehicle floorplanning uses (per Ally).

Common reasons floorplans get tightened

Issue	What it triggers	Dealer control
Title delays	Audit exceptions, reduced advances	Title desk workflow + document SLAs
Aging creep	Curtailments, higher carry cost	Aging caps + weekly aged-inventory review
Inconsistent reporting	Audit escalation	Daily book updates + reconciliation
Repeated late payoffs	Line reductions	Payoff cadence tied to sold log