For OEMs and distributors

Floor plan for your dealers, without building a finance company

We match your dealer network with a lender that wants to fund it, then run the program on VeroOS. Dealers apply for a line and pay off units in one portal. The lender makes the credit calls, and you keep the dealer relationship.

Request a network review How the money moves

For manufacturers and distributors with ten or more dealers in the US or Canada.

VeroOS · Programs

Kestrel Compact EquipmentDealer floor plan program

Live

48Active dealers

1,312Units on floor

71%Lines in use

TodayStatus

Funding request FR-20418Prairie Line Ag & Turf · 4 units · $186,400

SubmittedLender reviewApprovedFunded

New dealer applicationCedar Hollow Equipment · Wichita, KS

KYB verified

Payoff posted · SN KC75-01844Ridgeview Machinery · sold Tuesday

Paid off

Curtailment due in 5 daysSummit Rental & Sales · 3 units

Due soon

FR-20418 funded$186,400 paid to Kestrel Compact Equipment

Built for manufacturers whose dealers can sell more than they can stock

When a dealer passes on an order because their line won't stretch, you lose a sale you'd already won. So the fix belongs on the stocking side. The fit usually looks like this.

You sell serialized equipment through independent dealers.
You have ten or more active dealers in the US or Canada.
Your current program is capped, on its way out or skips some of your lines. Or you don't have one yet.
You'd stand behind your dealers with a repurchase agreement.

Where are you starting from?

Each of these is a different conversation with a lender. Start with the one that sounds like yours.

Our lender capped or exited the programKeep stock moving while you line up a replacement.What to do next →We're building a dealer networkPut floor plan in the pitch before dealers sign.Plan the launch →We already offer retail financingAdd the wholesale side for your dealers.Add floor plan →Our dealers are maxed on our termsMove the receivable off your books.Move off net terms →

Making construction or compact equipment? See floor plan for construction OEMs.

How the money moves

Floor plan runs between three parties. Once a program is live, every unit goes through the same four steps, and VeroOS keeps the record for each one.

1
The dealer places an orderThey draw on their floor plan line instead of paying cash or running up your terms.
2
The lender pays your invoiceYou're paid when the order is funded, not when the unit sells.
3
Units ship to the dealer's lotEach one is tracked by serial number, title included, from the day it's floored.
4
The dealer sells and pays it offThe payoff goes to the lender. Units that sit longer follow the curtailment schedule the lender set.

Two ways to fund it

Vero runs the program either way, and your dealers use the same portal.

A lending partner funds it

The lender puts up the capital and makes the credit decisions. You back the program with your dealer network and, in most programs, a repurchase agreement. Nothing new lands on your balance sheet.

You fund it, we run it

If you'd rather set the credit box and keep the economics, fund the program yourself as a captive. Vero runs the operation under your name, from the first dealer application to the last payoff, so you don't have to hire a finance department.

What your dealers see

One portal with your name on it. A dealer picks the units and attaches the invoice, and the request goes to the lender. Everything floored and everything due sits on one screen, and a unit can be paid off the day it sells.

When something needs a person, they call a Vero servicing team that knows the program, not a general support line.

Kestrel Dealer Floor PlanRequest funding

3 units selectedKC75 track loader, 2 KE35 excavators

Invoice INV-55218$142,750 · attached

Credit available$612,000 of $900,000

Sent to lenderRequest FR-20433

SentIn reviewApprovedFunded

Submit request

We ran a floor plan program before we built one for anyone else

Before Vero sold software to a single lender, it ran its own floor plan program for independent auto dealers. VeroOS is built around how that work actually got done, down to the title that shows up three weeks late.

110+independent dealers at its peak

19states

$40M+outstanding at its peak

Questions OEMs ask first

Does Vero lend the money?

No. A lending partner funds the program and makes every credit decision. Vero runs the program day to day on VeroOS.

Which lenders do you work with?

Banks and specialty finance companies that fund dealer inventory in equipment. We introduce you to a specific lender once your network looks like a fit for its credit box, and not before.

Do we need a repurchase agreement?

Most lenders will ask for one, and it shapes the terms they'll offer. Tell us where you stand and we'll tell you what's realistic.

Do our dealers have to move their other brands?

No. The program covers your units. Dealers keep whatever they use for the other lines they carry.

How long does it take to go live?

That depends on the lender's review and how many dealers start at once. You'll get a realistic timeline after the first call.