Your floorplan is bleeding money. Replace it.
The average dealership pays $7.90 per vehicle per day in floorplan interest. On a 200-unit lot, that is $1,580 per day going straight to the bank. Source: NADA Q1 2025 Dealer Financial Profile.
- $7.90 per vehicle per day
- $1,580 per day on 200 units
- Build equity, not expense
$0
floorplan interest carried
THE FLOORPLAN MATH
Right now, you rent your lot from a bank.
$7.90
per vehicle, per day in floorplan interest
$1,580
per day to the bank on a 200-unit lot
$0
floorplan interest with a flat-fee model
Based on NADA Q1 2025 average new-vehicle floorplan interest of $7.90/day. Replace it with a flat fee that builds equity instead of expense.
THE FLOORPLAN PROBLEM EVERY DEALER KNOWS
Interest is your largest invisible expense.
Daily interest accrual
Per-vehicle daily interest accrual eats margin every single day a unit sits on the lot.
Rising rates
38% of dealers report higher rates severely impacting costs. Source: NADA Q1 2025.
Forced curtailments
Monthly curtailments force you to pay down principal whether you sold the unit or not.
Audit overhead
Audits, compliance reviews, and lender inspections add overhead and risk.
Callable credit line
Your floorplan line is callable, so your inventory is not really yours.
No equity built
Every dollar of floorplan interest is a dollar that never builds equity.
PROCESS
How dealers replace floorplan with savings clubs.
- 1
Calculate the dead money.
Baseline what you pay in floorplan interest per day, per month, per year. NADA puts it at $7.90 per vehicle per day on new units in Q1 2025.
- 2
Fund your own balance sheet.
Open savings clubs in parallel, one per vehicle slot you want to convert. Flat fee replaces compound floorplan interest.
- 3
Take units off the bank's clock.
As Purchasing Vouchers arrive, redeem them on units already on your lot. Each redemption removes a vehicle from the floorplan line.
- 4
Cash out your floorplan.
When the last vehicle is converted, the floorplan line is closed. Your inventory now sits on equity instead of a callable credit line.
WHAT YOU GAIN
Equity instead of expense.
Eliminate floorplan interest
Flat club fees replace compounding daily interest.
Build equity in inventory
Every contribution becomes equity, not expense.
No curtailment pressure
No forced principal pay-down on aging units.
No floorplan audits
Inventory you own does not get audited by a lender.
Predictable monthly cost
Same monthly contribution. Same flat fee.
Gradual transition
Convert one block of units at a time. No overnight switch.
THE 2-FOR-1 FLOORPLAN EXIT STRATEGY
Do not replace your floorplan overnight.
Run a 12 to 36 month transition that keeps cash flow neutral while equity compounds. Each cycle frees more floorplan headroom that funds the next round.
- Fund your first block: savings clubs equal to about 15% of your lot capacity. This is the toehold.
- Make the cash-neutral flip: redeem the first vouchers against existing floorplan units so principal drops by the voucher value.
- Trigger the 2-for-1 multiplier: use the freed headroom to fund a second block. Each completed cycle frees more for the next.
- Cap the lot and cash out: run your entire lot rotation on Savings.Club equity, then close the credit line.
- 1
Fund the first block
about 15% of lot capacity
- 2
Cash-neutral flip
redeem vouchers against units
- 3
2-for-1 multiplier
freed headroom funds the next
- 4
Close the credit line
run the lot on equity
THE MATH (200-UNIT LOT)
Bank line vs. Savings.Club fleet.
| Traditional bank line | Savings.Club fleet | |
|---|---|---|
| Daily interest bleed | $1,580 / day | $0 |
| Monthly dead expense | $47,400 | Flat club fees only |
| Annual interest paid | $575,000+ | Fraction of bank rate |
| Equity built per cycle | $0 | 100% of principal |
| Curtailment risk | Yes | No |
| Audit overhead | Quarterly | None |
Illustrative comparison. Based on NADA Q1 2025 average new-vehicle floorplan interest of $7.90/day. Actual savings depend on lot size, average days-in-inventory, and current floorplan rate.
COMMON QUESTIONS
Common questions.
Yes, there is no limit. Most dealers run between 20 and 100 in parallel depending on lot size.
Apply for the Dealer Program.
Tell us about your rooftop and we will map out your floorplan exit plan and the numbers behind it.
Available in TX, FL, MA, and CT.