FL, GA, AL, TN, NC, SC, MS

Southeast floorplan financing

Shortlist prioritizes dealer-facing floorplan providers and specialty lenders used in this region.

Dealer goal: maximize net availability after curtailments and audit exceptions

Dealer risk: title delays + aging creep

Shortlist of lenders used in the Southeast

Filter:

Lender	Why it matters	Best fit
NextGear Capital	Broad auction + off-street coverage	Independent dealers scaling volume
AFC	Auction-heavy independents with branch coverage	Fast lane sourcing
Westlake Flooring Services	Independent special finance and mixed credit dealers	Flexible inventory financing
Ally Wholesale Financing	Qualified dealers needing flexible credit lines	More conservative underwriting
Manheim Financial Services	Dealers sourcing primarily through Manheim	Lane-integrated execution

Regional reality

Southeast independents often rely on auction sourcing; lane-to-floorplan execution matters.
Title speed (especially for out-of-state inventory) is a common audit failure point.
Aging discipline protects availability when rates are high and curtailments accelerate carry cost.

Dealer action: Before applying, run a 90-day review of (1) sold-to-payoff timing, (2) title exception rate, and (3) % of inventory over 60/90 days.

What to ask every floorplan lender (dealer script)

Topic	Question	Why it matters
Advance rates	“What are advance rules by unit type, age, and source?”	Prevents surprises on availability.
Curtailments	“When do curtailments start and how do they step up?”	Determines real carry cost.
Audits	“How often, and what triggers escalation?”	Sets operational workload.
Title policy	“What is the title exception window?”	Title delays are a top termination driver.
Fees	“Any audit fees, late fees, or non-use fees?”	Affects true cost of capital.