Wholesale Floor Plan Financing programs for manufacturers and suppliers
Inventory financing provides dealers with a revolving line of credit that can be used to acquire inventory from their approved suppliers. As inventory is sold to customers, the dealer repays the amount financed to AP. Interest on the outstanding financing is paid monthly by either the manufacturer or the dealer, depending on the program structure.
In industries where inventory turnover is high and capital needs are substantial, floor plan financing is a crucial tool to maintain a competitive edge and meet customer demand. A dedicated flooring team handles credit, documentation, and funding, and AP is committed to the highest standard of customer service to help your dealers succeed.
Pay-As-Sold
Pay-As-Sold structure allows dealers to repay financing as individual units are sold. Regular inventory inspections help confirm the financed collateral remains in place while providing visibility into dealer performance.
Manufacturer Application
If you are a manufacturer that would like to establish a floor plan line for your dealers, please fill out our Manufacturer/Distributor Financing Application.
Dealer Application
If you are a dealer, please view our dealer application options
How Floor Plan Financing Programs Work
Dealer Orders Inventory
Dealer orders inventory directly from approved manufacturer or distributor
Manufacturer or Distributor Sends Invoice
Manufacturer/distributor sends invoice directly to lender
Manufacturer or Distributor Ships Inventory
Manufacturer/distributor ships inventory directly to dealer
Sender Finances Invoice
Lender finances invoice by paying manufacturer/distributor directly up to 100% advance funding
Lender Invoices the Dealer
Lender makes transaction statement (record of financing) available to dealer
Dealer or Reseller Sales Inventory
Dealer/reseller makes retail sale of inventory
Dealer Applications
If your manufacturer works with AP, this is where you apply for your floor plan line. Three ways to apply depending on your business:
Application Only
This Application is for Dealers with over 5 years in business, requesting up to 250K with all owner’s PG’s.
Corp Only Application
This Application is for Corp Only Dealers with over 5 years in business, no personal guarantees.
Regular Application
This Application is for Dealers with less than 5 years in business, with personal guarantees.
Inventory financing offers several benefits for businesses, especially those that rely heavily on maintaining stock to generate revenue.
Here are the key advantages:
- Improves Cash Flow – Dealers may have to tie up large amounts of cash in inventory purchases. This reduces working capital for other operational expenses like marketing or payroll, potentially leading to operational bottlenecks.
- Supports Seasonal Demand – Without the funds to purchase inventory in bulk, dealers miss out on discounts and better supplier terms. Higher cost per unit reduce profit margins and competitiveness.
- Enables Bulk Purchasing – Dealers without inventory financing may not have the means to stock up ahead of peak seasons or sudden demand surges. This limits their ability to maximize revenue during high-demand periods.
- Boosts Business Growth – Limited inventory can cap sales potential and revenue growth. Dealers may struggle to expand their market share or enter new markets due to resource constraints.
Contact Us Today to learn more about your Inventory Floor Plan Financing Options
Industries We Serve
Arbor
Concrete
Construction
Package & Delivery
Groundwater
Septic
Towing
& More!