The Floor Plan Lender Built to Stay
Wholesale inventory financing for equipment dealers, distributors, resellers, and OEMs. One flexible line across your whole showroom — brand-agnostic, technology-enabled, and committed through the cycle.
Stock the Showroom Without Tying Up Your Cash
Floor plan financing — also called wholesale or inventory financing — is a revolving line of credit secured by the units on your lot. We advance the funds to buy inventory from the manufacturer or distributor; you display it, sell it, and pay off each unit as it sells. As units pay off, your available line replenishes for the next batch.
It's the financial engine that lets you carry a full showroom without locking your own cash in unsold units — so your capital stays where it belongs: payroll, parts, service, and growth.
Buyers want to see the unit and take delivery now, not wait weeks for a factory order. Floor plan puts the inventory on the ground to win that sale.
Why Dealers Choose Elevex
You've watched flooring lenders pile in during good times and retreat at the first tremor. We built Elevex to be the lender that stays.
Committed by Design
Floor plan is our core business, not a side product we'll cut when the cycle turns. We don't have a core to retreat to — this is the core.
One Line, Whole Showroom
Brand-agnostic and multi-vertical: construction, ag, material handling, truck, marine, powersports, and rental. Keep your captive for its brand — we floor everything else on one line, one portal, one audit.
Technology-First Platform
Real-time monitoring, digital-first audits, and a live dealer portal. Faster funding, fewer surprise freezes, and full transparency into your floor.
Flexible, With a Human Who Answers
Curtailments and aging set by vertical to how your inventory actually turns — and a person with authority on your account when a unit runs long.
Program Lanes
OEM & Manufacturer Programs
Floor plan programs for your dealer network with competitive advance rates, subvention options, digital onboarding, and real-time monitoring. Programs from $5MM to $25MM per OEM.
Independent & Multi-Brand Dealers
One flexible line across your entire showroom, regardless of brand. Lines from $500K to $5MM per location for established dealers with a track record of retail sales.
Rental Pool & Commercial Fleet
Structures for construction, industrial, and specialty rental fleets, plus logistics and vocational fleet operators — $500K to $5MM per entity.
Verticals We Floor
Advance rates, curtailments, and aging caps are calibrated by vertical to how that inventory actually turns — because a bulldozer doesn't turn like a jet ski. Rates shown are typical ranges; your program's specific structure is confirmed at approval.
Construction & Heavy Equipment
Advances up to 90–95% on new and 75–85% on used, with extended aging built for slow-turn heavy iron.
Agriculture & Turf
Up to 90–100% on OEM program units, with curtailment schedules aligned to the growing season and OEM subvention support.
Material Handling & Industrial
Advances of 85–90% on new units with terms matched to faster industrial turn cycles.
Truck, Vocational & Trailer
Advances of 85–95% with title control and structures built for vocational and trailer inventory.
Marine, Powersports & RV
Advances of 85–90% with seasonal calibration for high-velocity consumer verticals.
Rental-for-Sale Fleets
Advances of 70–80% of net book value on rental units held for sale, with appraisal-backed structures.
How Your Line Works
Advance — When you floor a unit, we advance a percentage of invoice or cost. Your small remainder creates built-in equity in every unit on the line.
Pay-as-sold — When a unit sells, you remit the payoff and keep the profit. Your available line replenishes for the next batch.
Curtailment & aging — Scheduled paydowns as units age, set by vertical to how your inventory actually turns. Good curtailment design protects your cash; bad design strangles it.
Title control & audits — We hold titles or a perfected electronic lien and verify the floor periodically. Our audits are digital-first and low-friction, backed by real-time monitoring — not the surprise-visit-and-freeze routine you remember from legacy lenders.
Real Scenarios
The Multi-Brand Dealer
Six single-brand flooring programs, six portals, six audit schedules — and none of them cares about the whole business. We consolidate the non-captive inventory onto one brand-agnostic line with one portal and one audit.
The Dealer Who Got Dropped
Bank lender pulled the line mid-season to manage its balance sheet. We put a committed line in place with curtailments matched to actual turn — and it's still there next season.
The OEM Building Its Network
Manufacturer wants dealers to stock more units. We stand up a subvented floor plan program with digital onboarding, so the network floors new inventory at little or no interest cost during the subvented window.
What You Get
- One brand-agnostic revolving line across your whole showroom
- Advance rates competitive with the strongest lenders in the market
- Curtailments and aging calibrated by vertical to how inventory actually turns
- Real-time monitoring with digital-first, low-friction audits
- Live dealer portal with fast funding on floored units
- A decision-maker on your account who answers when a unit runs long
Ready for a flooring partner that's built to stay?
Talk to a floor plan specialist about a line for your showroom — or a program for your dealer network.
Talk to a Floor Plan Specialist
Tell us about your dealership, distribution network, or OEM program. A specialist responds within one business day.