Industry expertise
Car Dealership Financing for Inventory, Equipment, and Seasonal Cash Flow
TrustFi helps car dealerships fund inventory reconditioning, service equipment, and seasonal cash flow without tying up your floor plan credit line.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Businesses funded
- 10,000+Businesses funded
- In funding secured
- $500M+In funding secured
- Industries served
- 50+Industries served
Why it's different
Funding built around how car dealerships actually run
Running a dealership means managing cash flow on two fronts at once: getting vehicles reconditioned and lot-ready fast enough to sell, and keeping the service department stocked with the diagnostic tools and lifts that fund a big share of daily revenue. Reconditioning costs, detailing, and minor repairs add up on every unit before it ever reaches the lot, and sales volume swings hard with the seasons, typically surging around tax refund season and slowing through the winter months in between.
TrustFi funds dealerships around those cycles rather than treating every month the same. Whether you need capital to recondition inventory ahead of a seasonal sales push, buy a lift or alignment machine for the service bay, or cover payroll through a slower winter stretch, funding can be structured around how your dealership actually turns inventory. The application takes under 10 minutes, and checking your options does not affect your credit score.
What we hear
The cash-flow pressures you know too well
Reconditioning costs before resale
Detailing, minor repairs, and mechanical reconditioning are paid for on every vehicle before it reaches the lot, tying up cash across the entire inventory regardless of how quickly units sell.
Service department equipment costs
Lifts, alignment machines, and diagnostic scan tools represent large capital purchases that keep the service bay running and generating revenue, but they wear out and need replacing on their own schedule.
Seasonal sales volume swings
Sales typically surge around tax refund season in early spring and slow through the winter months, leaving lot rent, payroll, and floor plan interest to stay level while revenue rises and falls.
Inventory buildup ahead of demand
Stocking the lot ahead of a seasonal sales push means paying for inventory acquisition and reconditioning costs weeks in advance, before that anticipated seasonal demand has actually arrived to generate any sales.
Where the money goes
What car dealerships use funding for
- Reconditioning and detailing inventory before it hits the lot
- Purchasing a service bay lift or diagnostic scan tool
- Covering payroll during slower winter sales months
- Stocking inventory ahead of tax refund season demand
- Renovating the showroom or customer waiting area
- Funding a seasonal sales event or ad campaign
Our recommendation
Funding options that fit car dealerships
Based on how businesses in your sector earn and spend, these three structures tend to work best.
- Option 1
Collateralized Business Loans
Dealerships often have vehicle inventory or real estate to secure a loan against, which can unlock a lower rate than unsecured options for larger equipment or expansion needs.
How it works - Option 2
Business Term Loans
A fixed lump sum suits a specific purchase like a service bay lift or alignment machine, with a set repayment schedule that doesn't touch your floor plan credit line.
How it works - Option 3
Merchant Cash Advance
Dealerships with steady service department card sales can repay through a percentage of daily transactions, which flexes down automatically during slower sales months.
How it works
Getting started
Three steps, no runaround
- 1
Tell us your story
Share a few details about your business and what you need the capital for. It takes under 10 minutes and never touches your credit score.
- 2
Review your options
A specialist reviews your file and comes back with clear, side-by-side options — real numbers, plain English, no pressure.
- 3
Fund your future
Pick the option that fits. Once you approve, funds can reach your account in as little as 24 hours.
Client stories
We're proud to be part of their journey.
The success of our clients is our greatest reward — 350+ five-star Google reviews and counting.
TrustFi was fantastic to work with on our business capital funding needs. They were professional, efficient and provided the best customer service experience I've had in this industry. We will continue to partner with TrustFi on our funding needs going forward. Highly recommend!
MMaria O. My experience with Griffin Ferro and his team at TrustFi was fantastic. He was able to get me funding in one day. Griffin's communication was awesome. He made sure I knew what was going on every step of the way. He took the time to make sure I completely understood all the aspects of the transaction.
JJohn Highly recommend and a great experience. Gary had our best interest in mind, with professionalism, dedication and care. They really supported our business needs. Great customer service as well!
TTim F.
Can dealership financing be used for something other than vehicle inventory?
Yes. This financing is separate from floor plan credit lines and is typically used for service department equipment, reconditioning costs, payroll during slow months, showroom renovations, or marketing for a seasonal sales event, rather than for purchasing vehicle inventory itself.
How does financing account for seasonal sales swings?
TrustFi reviews your dealership's overall financials rather than requiring flat revenue every month. Some dealerships use a business line of credit to draw funds during slower winter stretches and repay as the spring sales season picks back up, matching financing to how the business actually cycles.
Will applying affect my dealership's credit score?
No. Applying does not impact your credit score, so you can review your options before committing to anything. That makes it easier to line up funding for a service bay equipment purchase or a seasonal inventory push without any risk to your credit standing.
How fast can a dealership get funded?
Funding can arrive in as little as 24 hours once approved, with a 2-hour response guarantee on applications. That speed matters when a lift or diagnostic tool breaks down and the service bay is losing revenue every day it's out of commission.
Does TrustFi work with independent, non-franchise dealerships?
Yes. TrustFi has funded over 10,000 businesses across 50+ industries, including independent used car lots and smaller dealership groups alongside franchised stores. Qualification is based on your dealership's financials and cash flow rather than franchise affiliation, brand, or lot size, so independents are welcome to apply.
Are there hidden fees?
No. TrustFi does not charge hidden fees, and the full cost is disclosed before you accept an offer. That matters when weighing a merchant cash advance against a term loan for equipment, since the total repayment cost affects the decision as much as the monthly amount.
Funding for car dealerships, without the runaround.
Apply in under 10 minutes. A specialist who understands your sector will walk you through the options within two hours.
- Applying will not impact your credit score
- Funding decisions in as little as 24 hours
- A dedicated funding specialist, not a call center
- Transparent terms with no hidden fees