Working capital when you need it, structured around your cash flow.

Your bank moves on bank timelines. Your operation doesn't.

Dealership cash flow is cyclical, seasonal, and often poorly aligned with the timing of operational opportunities. Inventory arrives before wholesale pay periods settle. Service department expansion projects stall while financing approval works through underwriting. Marketing campaigns that should run during high-intent shopping seasons get deferred because capital isn't available at the right moment.

Traditional bank lending isn't designed for these situations. A commercial line of credit requires financial statements, personal guarantees, and a review process measured in weeks, not days. SBA programs have even longer timelines. And for many dealer principals, the relationship dynamic with their primary bank is one they'd prefer not to test every time an operational need arises.

The capital advance program is a different instrument: a working capital solution that runs outside the bank relationship, makes decisions in 24 to 48 hours, and is structured with an understanding of how dealerships generate revenue — not how a commercial lending committee expects installment loans to be repaid.

Floor plan gaps and acquisition opportunities don't wait for approval windows.

Floor plan lines have limits. When a dealer has the opportunity to acquire a batch of trade-ins, a distressed competitor's inventory, or vehicles at auction that represent strong margin — and the floor plan is fully utilized — that opportunity disappears without alternative capital.

The capital advance can bridge floor plan gaps on a short-cycle basis, funding the inventory acquisition against expected turn time. Repayment is structured around the expected wholesale or retail proceeds rather than a fixed monthly schedule that may not align with when the units actually sell.

Lot improvement projects — repaving, lighting, additional display space, detailing bay expansion — are similarly poor fits for traditional financing. The capital tied up in lot infrastructure doesn't produce a conventional "revenue from this investment" that a bank can underwrite against. The capital advance evaluates the dealer relationship and operational trajectory, not the marginal ROI of asphalt improvements.

The service department is where dealer equity is built — and it's consistently undercapitalized.

F&I revenue is immediate. Service revenue is recurring and grows over the life of the customer relationship. Dealers who invest in service department capacity — bays, equipment, technician talent — compound their earnings over years in a way that front-end gross doesn't replicate. But service department investment requires capital that often isn't available when the opportunity to expand is present.

Lift installation, diagnostic equipment upgrades, shop tooling, and technician hiring costs are the types of expenditures that generate long-term operational returns but draw down near-term cash in ways that strain operating accounts. A capital advance can fund these investments against the projected increase in service department throughput and fixed-operations gross.

Facility improvements — customer lounge upgrades, exterior renovation, signage replacement — similarly affect customer retention and referral rates in ways that a traditional capital request rarely captures well. We evaluate these investments on the basis of the dealer relationship and portfolio performance, not on a discounted cash flow model that undervalues customer experience investments.

24 to 48 hours from request to decision — no lengthy underwriting, no hard credit pull.

The approval process for a capital advance runs on a timeline appropriate to the business need. Initial decisions are made within 24 to 48 hours of a complete request. There is no extended underwriting period and no hard credit inquiry that affects the dealer principal's business credit profile.

The evaluation is relationship-based. The primary inputs are the dealer's Elite FI partner history, deal volume, and portfolio performance — factors that are already known to us through the existing relationship. Dealers who have been active Elite FI partners for an established period don't need to document their business from scratch; much of the relevant information already exists in the relationship.

This is not a hard-and-fast promise that every request is approved in 48 hours regardless of size or complexity. Larger advances or situations with complicating factors may require additional review. But the typical operational capital request — inventory bridge, equipment purchase, facility project — moves through the process on a timeline that allows the dealer to act on the opportunity that prompted the request.

Built for current Elite FI partners who have earned the relationship.

The capital advance program is not available to the general dealer market. It is a benefit of the Elite FI partner relationship — available to dealers who have established a track record with us through their F&I program, maintained their partner agreements in good standing, and built the kind of operational history that allows us to evaluate a capital request with confidence.

This structure is intentional. We're not a lender in the traditional sense, and we're not trying to compete with floor plan providers or commercial banks as a primary capital source. The capital advance exists to serve partners who have a specific operational need and who we know well enough to act quickly on their behalf.

If you're an active Elite FI partner and you have a capital need that traditional channels would move too slowly on — or a need you'd prefer to handle outside your primary banking relationship — this is worth a conversation. We'll tell you quickly whether the advance program fits what you're trying to accomplish.