Term Loans for Car Dealership
Manu helps car dealership owners across the United States get matched with the right lender — fast. Pre-qualify in minutes through Manu's partner application — access a 75+ lender network with real, competitive offers, no hard credit check.
How car dealership businesses use this financing
Common uses of funds:
- Floor-plan inventory financing for new and used vehicles
- Reconditioning equipment and detail bays
- Build-out, signage, and showroom upgrades
- Acquisition of additional rooftops or franchise points
Typical loan size: Dealership financing is typically structured around floor-plan lines of $500K to $20M+, with separate working capital and real estate components.
Seasonality: Sales peak in spring (tax-refund season) and Q4 (year-end model-year clearance); summer is steady.
Most common reason for decline: Dealerships are often declined for thin gross-per-unit margins or for inventory-turn issues.
Best-fit products for car dealership: Inventory Financing, Commercial Real Estate Loans, Lines of Credit.
Capital use cases for car dealership businesses
- Floor-plan financing: Dealers run floor-plan lines of $500K–$20M+ to finance new and used inventory, repaid as each vehicle sells.
- Reconditioning & detail: A $50K–$300K equipment loan funds reconditioning equipment and detail bays that lift gross-per-unit.
- Showroom & expansion: SBA or CRE financing funds showroom upgrades and additional rooftops, repaid over 10–25 years.
Funding options for car dealership businesses
Why Car Dealership owners choose Manu
How car dealership business loans work with Manu
Ready to fund your Car Dealership business?
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Other industries we fund
Other funding options for car dealership businesses
Frequently asked questions
What kind of business loans can Car Dealership owners qualify for?
Through Manu's partner application, car dealership owners can access small business loans ($10K–$10M), SBA 7(a) and 504 loans ($50K–$5M), business lines of credit, equipment financing, merchant cash advances, accounts receivable financing, and inventory lines. Terms are tailored to your revenue and time in business.
How fast can a Car Dealership business get funded?
Lines of credit and merchant cash advances can fund the same day for qualifying car dealership businesses. Small business loans and equipment financing typically fund in 1–3 business days. SBA loans take 4–10 weeks due to government underwriting.
What credit score do I need for Car Dealership financing?
Minimum FICO depends on the product: equipment financing starts at 550, small business loans at 580, lines of credit at 600, and SBA loans at 660. Merchant cash advances and accounts receivable financing have no minimum FICO — they're underwritten on revenue and receivables instead.
Will applying hurt my credit score?
No. Pre-qualification uses a soft credit check that does not affect your credit score. A hard pull only happens if you accept a final offer from a lender.
What documents do Car Dealership businesses need to apply?
To pre-qualify, you'll share basic business information plus your most recent 3 months of business bank statements. To finalize an offer, most lenders ask for 3–6 months of bank statements in total. Larger loans may also require tax returns or financial statements.
Sources & references
Loan-product criteria, funding-speed ranges, and credit-score thresholds on this page are validated against current lender requirements and the following primary sources: