GET STARTED- CALL 616-953-6036 OR CLICK HERE TO GET PREAPPROVED FOR FINANCING
-
GET STARTED- CALL 616-953-6036 OR CLICK HERE TO GET PREAPPROVED FOR FINANCING -
Auto Dealer & Parts Store Financing
Auto Dealers & Parts Business Financing: Keep your lot full, your shelves stocked and your service bays busy.
Dealerships and parts stores live and die by inventory. Rainstar Capital Group finds floor plan lines, working capital and real estate financing to keep you moving.
Why auto dealers & parts businesses need the right financing
Auto dealers and parts retailers carry a lot of inventory relative to their size. Every car on the lot and every box on the shelf is cash that isn't in the bank, and selling it depends on factors outside your control: interest rates, model-year changes, supply disruptions and the season.
Financing in this industry is about turning that inventory faster and keeping enough on hand to meet demand. Floor plan financing lets dealers stock vehicles without paying for them up front. Lines of credit and inventory loans keep parts stores ready for the next order.
We work with independent and franchise dealers, used car lots, buy-here-pay-here operations, RV and powersports dealers, and auto parts retailers and distributors.
Dealers live and die by inventory turn, and we love helping them keep the lot full and the shelves stocked. When the right units hit the auction lane, our floor plan and inventory lines mean you're bidding, not waiting on cash.
Kurt Nederveld, CEO, Rainstar Capital Group
Common challenges
Problems auto dealers & parts owners face, and how debt financing solves them
Every auto dealers & parts business hits cash-flow pressure points. Here is how lines of credit and the right loan structures turn each one into an opportunity.
The problem
Inventory ties up cash
Each vehicle or pallet of parts represents capital that can sit for weeks or months.
How financing solves itFloor plan financing and inventory lines fund units as you buy them and are repaid when each one sells.
The problem
Seasonal and market swings
Tax season, model-year changeovers and rate changes push sales up and down.
How financing solves itA business line of credit provides cushion when sales slow and lets you buy aggressively when opportunities appear.
The problem
Auction and trade-in opportunities
Good inventory at auction moves fast and needs cash immediately.
How financing solves itFast working capital and floor plan lines let you buy the right units the moment they're available.
The problem
Service department equipment
Lifts, diagnostic scanners, alignment machines and tools are costly but drive high-margin service revenue.
How financing solves itEquipment financing spreads the cost over time while the equipment produces income.
The problem
Real estate and facility image
Manufacturer image programs and lot expansions require major investments.
How financing solves itCommercial real estate loans and SBA 504 financing fund purchases, renovations and new facilities.
The problem
Parts store stocking
Parts retailers need wide selection to win commercial and DIY customers.
How financing solves itInventory financing keeps shelves full without draining operating cash.
Financing products
Commercial financing options for auto dealers & parts businesses
From commercial real estate and equipment to inventory, factoring and business lines of credit, we match auto dealers & parts owners with the product that fits the need.
01
Floor Plan Financing
A revolving line to purchase vehicles for resale, repaid as each unit sells.
02
Inventory Financing
Fund parts, accessories, tires and fluids for retail and wholesale customers.
03
Business Line of Credit
Flexible capital for auctions, payroll, advertising and slow months.
04
Equipment Financing
Lifts, diagnostic tools, alignment racks, tire machines and shop software.
05
Commercial Real Estate
Buy, expand or refinance your dealership, lot, service center or parts store.
06
SBA 7(a) & 504 Loans
Long-term financing for acquisitions, real estate and refinancing.
07
Invoice Factoring
Parts distributors can advance cash on invoices owed by shops and fleet customers.
08
Working Capital
Quick funding to seize inventory deals or cover short-term gaps.
Who we fund
Built for the auto dealers & parts industry
How it works
Funding in three simple steps
Tell us what you need
A short application and a few recent bank statements are usually enough to start.
Compare your options
We shop your request across our lender network and walk you through the terms side by side.
Get funded
Choose the offer that fits and put the capital to work in your auto dealers & parts business.
FAQ
Auto Dealers & Parts financing: frequently asked questions
What is floor plan financing?
A revolving credit line used to buy inventory, typically vehicles. Each unit is tied to the line and you repay that portion when it sells, plus interest while it sits.
Can independent and used car dealers qualify?
Yes. Many lenders specialize in independent and used dealers, including buy-here-pay-here operations.
Can I finance my service department equipment separately?
Yes. Equipment financing for lifts, diagnostics and tools is often arranged separately from inventory lines.
Do parts stores qualify for inventory financing?
Yes. Parts retailers and distributors can use inventory loans, lines of credit and, for commercial accounts, invoice factoring.
Related industries we finance
Insights
Auto Dealers & Parts financing insights & guides
Practical articles for auto dealers & parts owners on cash flow, equipment, real estate and growth capital.
Ready when you are
Let's find the right financing for your auto dealers & parts business.
Tell us what you're working toward. We'll compare lenders and products and show you options that fit.
