CA, OR, WA, NV, CO, UT

West 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 West

Filter:

Lender	Why it matters	Best fit
NextGear Capital	Large independent operators	Broad sourcing
AFC	Auction-heavy independents	Branch coverage
Ally Wholesale Financing	Qualified dealers	New/used and rental mix
Manheim Financial Services	Manheim-centric sourcing	Lane integration
First Business Bank	Specialty bank floorplan	Disciplined independents

Regional reality

Operational compliance is heavily scrutinized; audit readiness and reconciliation need to be tight.
High-cost markets amplify carry cost—aging management is non-negotiable.
Multi-location stores should standardize title desks and payoff procedures.

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.