Finance for Automotive & Dealership Businesses

Floorplan finance is a revolving line of credit used to purchase vehicle stock. As vehicles are sold, the relevant portion of the facility is repaid and the line replenishes for new stock. Interest is typically charged on the outstanding balance. We work with lenders who offer both manufacturer-aligned and independent floorplan facilities.

Yes — purchasing commercial premises through an SMSF is a popular strategy for established dealers. Your super fund buys the property and leases it back to your dealership at market rent. We specialise in SMSF commercial lending and can guide you through the structure.

Dealership profitability assessment is complex — lenders need to understand floorplan lines, manufacturer holdback and bonus income, service department margins, and F&I income. We work with lenders who have automotive sector expertise and can present your business in the best light.

EV transition is a significant capital investment for many dealerships — charging infrastructure, technician training, showroom modifications, and tool upgrades. We can structure business loans or equipment finance facilities to fund your EV readiness program.

Yes — group structures with multiple entities, intercompany loans, and consolidated accounts are something we deal with regularly. We work with lenders who can assess complex group financials and structure facilities across multiple entities where needed.