Captive / OEM-aligned dealer commercial lending

Stellantis Financial Services (Commercial Lending)

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

Best fit: Stellantis franchise dealers evaluating OEM-aligned wholesale programs and reward structures tied to participation.

Watch for: Program requirements tied to OEM metrics, reporting standards, and dealer program rules.

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

SFS describes commercial lending benefits and partnership rewards for floorplan dealers (per SFS).

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