The Vero Blog

Monolithic LMS migrations are losing ground in 2026 because wholesale and floorplan finance lenders finally have a better option: modular platforms that plug into existing systems and modernize workflows without a rip and replace project.

Wholesale finance software projects—especially those modernizing floorplan lending—almost always start with a clear mandate: replace a legacy LMS, digitize dealer and supplier workflows, or extend an existing system with better portals and risk tools. Somewhere between scoping and go-live, that clean mandate can balloon into “can you also…?” requests that were never in the original plan.​

C-suite and operations leaders in wholesale and floorplan finance are being pulled in two directions at once. The board expects a compelling long-term technology vision; line managers expect immediate relief from manual work, fragmented systems, and rising risk. The way through is to treat every short-term efficiency win as a deliberate, measurable step toward a unified operating model for wholesale finance—not as a disconnected automation project.​​

Ask any lender running an inventory or floor plan program how it feels right now and you’ll usually get some version of: “Great economics, painful operations.” The structure is attractive, the fee income is real, but the moving pieces can make even seasoned credit teams sweat.

Walk into almost any commercial lending group today and you’ll see a weird split-screen reality. On one side: sophisticated funding strategies, creative inventory finance structures, and board pressure to grow earning assets. On the other: Excel, email threads, a 15‑year‑old loan system, and a handful of analysts duct‑taping it all together. The bigger and more complex the portfolio gets, the more obvious that gap becomes.​

If you run floorplan or wholesale finance, 2026 is not the year to sign another 7‑year monolithic LMS contract. It is the year you put an orchestration layer in front of everything and start “hollowing out” that LMS instead of ripping and replacing it.

Over the last decade, many wholesale and equipment lenders have turned their loan management systems into “one‑of‑one” builds with custom screens, scripts, and integrations layered on top of Solifi, DataScan, or homegrown cores. It solved short‑term workflow gaps, but it also created a shadow system that has to be re-engineered every time the underlying platform moves—upgrades, roadmap shifts, or, now, major acquisitions like Solifi and DataScan.​

When did "tech stack" become synonymous with "tech debt"? Ask any asset finance pro juggling loan management, title workflows, CRM spaghetti, and audit modules: half the job is matching up systems that refuse to make nice with one another. Sure, Lending-as-a-Service made programs faster to launch and easier to run, but now, lenders want their platforms to actually sing, not just hum in the background.​

If you've ever wondered how car dealerships keep their lots full of inventory without draining their bank accounts, wholesale finance is your answer.Also called floor plan financing or inventory financing, wholesale finance is how dealers pay for the vehicles sitting on their lot right now. The ones customers will (hopefully) buy next week, next month, or sometime this quarter.

DataScan by Solifi – two established finance tech providers merging under one banner. If you’re a current Solifi or DataScan client in the wholesale, equipment, or auto finance world, you likely felt a jolt when the news hit. Solifi, a major secured finance software provider, has acquired DataScan, the long-time leader in floorplan (wholesale) lending and inventory risk management. In plain terms, two of your key technology vendors just decided to join forces. That raises an important question: what does this consolidation mean for you and your operations?