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).

Rate & terms snapshot

Stellantis Financial Services Floorplan — key terms

Parent company	Stellantis N.V.
Best-fit dealer	Chrysler, Dodge, Jeep, Ram, Alfa Romeo, FIAT, Maserati franchise dealers
Typical interest rate	Captive rates; typically competitive with OEM incentive structures
Typical advance rate	Invoice price for new vehicles; OEM program terms for CPO
Curtailment schedule	Per Stellantis franchise agreement terms; typically 90–180 days for new
Typical min. line	Franchise relationship required; line sized to franchise agreement
Audit method	Manufacturer-required inventory audits as part of franchise compliance
Best for	Stellantis franchise dealers needing factory-approved floorplan for new inventory
Not ideal for	Non-Stellantis dealers; independent used-only dealers

Dealer note: Stellantis Financial Services is a captive — it exists to serve Stellantis franchise dealers. Franchise dealers typically have limited choice in using the captive for new vehicle floorplan as part of their franchise agreement. Focus your negotiation on used vehicle floor plan (where non-captive lenders compete) rather than new.

Rates and terms are estimates only. Always request a current quote from Stellantis Financial Services Floorplan before making decisions.

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

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