Industries we fund · Auto Dealers & Lots
Working capital for auto dealer businesses
Independent dealers live on inventory turn: every car on the lot is capital parked, and the best buying opportunities never wait for a floor-plan increase.
Clearwater places auto dealer files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for auto dealer business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a auto dealer file
Dealer files show large irregular deposits - vehicle sales - and funders read them across months for turn rate. A lot moving 8-15 units monthly with consistent totals prices fine despite the lumpiness. Buy-here-pay-here books add recurring note payments, which strengthen the pattern materially. The use case funders like most: acquisition capital for auction buys where the turn math is proven.
What auto dealer businesses use the capital for
- Auction purchases beyond floor-plan limits
- Reconditioning capital to move inventory faster
- Lot expansion or a second location
- Bridging floor-plan curtailments
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a auto dealer business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Auto Dealers & Lots funding questions
My deposits are lumpy - one per car sold. Is that OK?
It is the industry pattern. Funders read dealer files by monthly totals and turn consistency, not daily rhythm.
Does buy-here-pay-here revenue help?
Yes - the note payments are recurring revenue layered under your sales, and the combined pattern prices better than sales alone.
Can this work alongside my floor plan?
Commonly. The advance sits on your operating account, not the floored inventory, and many dealers use it exactly where floor plans stop.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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