Auto Dealer Funding for Used & Independent Car Dealers
When the right cars are at auction and your floor plan is tapped out, waiting on a bank costs you the deal. Get $10K–$5M based on your deposits — often in as little as 24 hours.
Check Your Rate — No Credit ImpactSee how much your business qualifies for
$10K to $5M in business funding — approved on your revenue, funded as fast as 24 hours. All credit 500+. No collateral for working capital.
- ✓ 500+ credit
- ✓ 6+ months open
- ✓ $10K+/mo revenue
Apply Now — Get Funded in 24 Hours
Start your application in about a minute. A real decision fast — soft credit pull, no obligation.
START MY APPLICATION →🔒 Soft credit pull · will not affect your credit score
Running a used or independent lot means your money is always in motion. Cash goes out at the auction on Tuesday, sits on the lot as inventory for three or four weeks, then comes back when the car sells. In between, you still have to recondition units, pay for transport, cover the rent, and jump on the next good buy before another dealer grabs it. When your floor plan line is maxed out or a bank turns you down over your credit score, that gap between buying and selling is where deals quietly slip away.
Auto dealer funding is built for that gap. Instead of underwriting your personal FICO, we look at the cash actually moving through your business bank account — the deposits from every car you sell. If money is flowing, you can qualify, even with a 500 credit score and no collateral for working capital.
What dealers use this money for
- Buying inventory at auction — pounce on undervalued units at Manheim, ADESA, or your local independent sale when your floor plan is tapped or the line hasn't reset yet.
- Floor plan gaps — bridge the days between when you buy a car and when the sale funds, so a slow week doesn't freeze your buying.
- Reconditioning — tires, brakes, detailing, mechanical work, and body repairs that turn a $6,000 auction buy into a $12,000 front-line unit.
- Marketing and lot presence — Facebook Marketplace, CarGurus and Cars.com listings, photography, signage, and pay-per-lead campaigns that keep foot traffic coming.
- Transport and payoff — hauling units in from out-of-state auctions and covering the payoff on trades before you resell them.
A real dollar example
Say you run an independent lot and you find eight clean units at auction you know will move fast, but your floor plan line won't reset for another nine days. You take $60,000 in working capital. You buy the eight cars, put roughly $1,500 of reconditioning into each, and front-line them. Over the next several weeks the cars sell and the deposits hit your account. You repay the advance out of that revenue, and you kept eight sales you would have lost by waiting. That's the math dealers care about — not the rate on paper, but the deals you can actually close because the cash showed up in time.
Approved on deposits
We underwrite the cash flowing through your bank account, not your credit score. FICO 500+ is fine. Checking eligibility is a soft pull that won't ding your credit.
Funded fast
Send your last few months of bank statements and a signed agreement before early afternoon ET on a weekday and you can be funded the same day. Auction timing waits for no one.
No collateral for working capital
You don't have to pledge your lot, your home, or the cars themselves. Working capital advances are based on your revenue, not liens.
Every dealer size
From a five-car corner lot to a multi-location independent operation, funding ranges from $10,000 to $5 million to match where you are.
How it works
- Apply online in a few minutes — no long financial packages up front.
- We review the deposits in your business bank account to see what you can support.
- You get an offer, and if it works for you, you sign.
- Statements plus a signed agreement in before early afternoon ET on a weekday can fund the same day. Requests wrapped up Friday typically fund Monday.
Straight answers
Do I need good credit to get auto dealer funding?
No. Approval is based on your business bank deposits, not your credit score. We work with dealers at FICO 500 and up, and checking your eligibility is a soft pull that doesn't affect your credit.
How much can I get?
Funding runs from a minimum of $10,000 up to $5 million, sized to the revenue moving through your account. A small independent lot and a larger multi-location operation will land in very different places, and that's the point.
How fast can I have the money?
Fast. If you send your recent bank statements and sign the agreement before early afternoon ET on a weekday, funding can happen the same day. If everything comes together on a Friday, plan on Monday.
Can I use this alongside my existing floor plan line?
Yes. Most dealers use it to bridge gaps their floor plan doesn't cover — reconditioning, marketing, transport, or buying units when the line is maxed out. It's working capital for the parts of your business floor plan financing doesn't touch.
Do I have to put up collateral?
Not for working capital. These advances are based on your deposits, so you don't pledge your lot, your inventory, or personal property to qualify.
What do I need to apply?
The application takes a few minutes online. To get an offer, you'll share your last few months of business bank statements so we can see your deposit activity. That's the core of it.
Ready to Fund Your Business?
Join 1,000+ businesses that trusted Quick Biz Capital. Apply now and get a decision within hours.