Skip to content
Close
SEARCH
CONTACT
PHONE HOTLINE: 418 227-8384E-MAIL: info@finloc.com
Contact us
PHONE HOTLINE: 418 227-8384E-MAIL: info@finloc.com
Contact us
a woman and a man with high-visibility jackets standing in a trailer yard looking at the camera and smiling.

Inventory and Floor-Plan Financing for Equipment Dealers

Your inventory is working capital standing still. Floor-plan financing funds the stock, so your purchasing capacity is limited by what you can sell — not by what you can afford to hold.
Apply for financing

Built for dealers

This page is for equipment dealers. If you operate a fleet, asset-based lending and trailer financing are the relevant pages.

Every unit on the lot represents cash that can't be used elsewhere until it sells — and the units you don't stock are the sales you don't make. Floor-plan financing breaks that constraint.

How floor-plan financing works

semi-trailer_lease_agreement
We advance against inventory

Finloc funds qualifying units so you can stock what your market demands.

a man wearing a blue vest holding a tablet, in a snowy trailer yard
You hold and display as normalNothing changes operationally. The equipment sits on your lot and sells as it always has.
two man handshaking outside in front of a red truck
Repay as units sellEach unit's advance is repaid when that unit sells.
Truck Stop on Rest Area on the Highway. Top View Car Parking Lot. Truck Driver Company. View from the Birds Flight. Aerial Photography. (1)
Interest on what's outstanding

You carry financing costs only on the inventory you're actually holding.

How does it work?

1
Easy online credit application
Beginning with an easy online credit application, clients typically receive a financing decision within a few hours (under $250 000) or up to 24 hours for larger amounts.
2
Structuring the facility
We set the terms around your selling season, with fixed or variable rates and step-up or step-down options as the business grows.
3
Drawing on the facility
Stock units as opportunities come up, without a separate approval each time.

Why it makes sense to work with us

  • We know the equipment. Financing transport equipment since 1999, backed by a parent company that has manufactured semi-trailers for over 60 years. When we assess inventory, we're assessing something we understand.
  • Decisions at the speed of your business. When a unit comes available, waiting two weeks for a committee isn't an option.

Floor-Plan Financing FAQ

Frequently Asked Questions About Finloc 2000

 

What is floor-plan financing?

A revolving facility that funds a dealer's inventory. The lender advances against units you stock; you repay as each unit sells. It lets a dealer hold more inventory than working capital alone would allow, which directly affects how much you can sell.
How is it different from a term loan?

A term loan is a fixed amount repaid on a schedule. A floor-plan facility revolves — you draw as you stock and repay as you sell, carrying financing costs only on what's currently on the lot.
Do you finance my customers as well?

es, through vendor leases — the purchase and the financing can be arranged in one conversation, which removes a common reason for a buyer to walk away.
trucking_business_loans

SCHEDULE A MEETING WITH ONE OF OUR EXPERTS

Contact us