The Vero Blog

The GENIUS Act has created a watershed moment for floor plan lenders, formally recognizing digital documentation and enabling risk management frameworks that were previously impossible. While forward-thinking lenders are already leveraging digital titles, open banking feeds, and AI-powered analytics to transform their operations, those clinging to paper-based processes face an existential threat. This isn't about incremental improvement—it's about the fundamental divide between lenders who will dominate wholesale finance and those who will struggle to remain relevant.

Hidden in the Big Beautiful Bill is a major win for floorplan finance: protected tax deductibility for dealer interest expenses. For RV dealers carrying millions in inventory, this provision is the difference between thriving and barely surviving in today's high-rate environment.

The automotive supply chain has changed—and funding models need to catch up. Traditional capital structures weren’t built for a world of semiconductor shortages, shifting OEM programs, and real-time dealer demands. At Vero, we’re seeing the cracks in static financing models and building tools that adapt across the entire value chain, from suppliers to showrooms. The next era of automotive finance will demand tighter coordination, smarter capital, and flexible terms that move as fast as the market does. This isn’t a future state—it’s already happening.

With eContracting adoption accelerating in auto finance, equipment lease financing stands at the cusp of similar transformation. Lenders who embrace digital workflows can unlock efficiency, mitigate risk, and open new revenue channels.

Equipment lease financing, a vital component of asset finance, is particularly impacted by these regulations. Leases often fall under the purview of both federal and state laws, requiring meticulous documentation and disclosure

From supply chain disruptions to regulatory changes, the need for a structured and proactive approach to risk management has never been more critical.

Understanding and adapting to these trends is crucial for banks aiming to maintain competitiveness and meet the diverse needs of their clientele, and products like auto fleet financing could be at the center of that strategy - with the right means to manage that product.​

It’s not just about macroeconomics - it’s about how you position your organization to adapt, respond, and stay resilient in a shifting global landscape. There is always a best path forward and trade finance software can open up that path.

Whether you're a regional bank expanding your equipment lending arm, an independent firm chasing new markets, or a captive lender rolling out programs in new geographies, scaling doesn’t need to feel like a leap off a cliff. It can - and should be a strategic climb, supported by the right asset finance solutions.

Recent warnings from Federal Reserve Chair Jerome Powell underscore how proposed tariff policies—particularly those floated by former President Trump—could affect inflation and broader economic stability. For fleet operators and lenders, these signals represent more than macroeconomic forecasts; they directly influence commercial fleet financing requirements and decision-making across procurement, pricing, and long-term investment.