Wholesale finance is what Vero was built for: lines of credit for dealers secured by inventory. Funding requests, curtailments, audits, titles, payments and risk all run in one system, licensed to your team or operated by ours.
Advance rates and curtailment structures calibrated to how each kind of inventory actually turns.
New and used vehicle inventory floored by VIN, with title custody tracked against every unit.
Motorcycles, ATVs, boats and personal watercraft, with seasonal curtailment structures.
Towables and motorized units: long-dated inventory with aging-aware advance rates.
Construction and material handling, from a single unit to an entire yard.
Medium- and heavy-duty trucks and vocational vehicles, titled and tracked unit by unit.
Tractors, implements and turf equipment, with curtailment schedules that follow the season.
Already running a floor plan book? License VeroOS to modernize funding, servicing, titles, audits and risk, and serve the smaller dealers that used to cost too much to support.
Standing up wholesale inventory finance? Vero provides day-to-day servicing and operational support on VeroOS, including OEM- and distributor-sponsored programs, so you go to market fast and scale efficiently.
A floor plan line is not a term loan with a different label. It revolves, it ages, and it needs watching between payments.
Fund from OEMs, distributors and auctions with advance rates that reflect where the unit came from.
Principal reduction on a clock, calibrated per program and per asset class rather than one blunt rule.
See how long every unit has sat on the line, and which dealers are turning inventory and which are not.
Catch units sold without payoff while the exposure is still small, not at the next scheduled audit.
NSF, partial payments and reversals surfaced as work to be done, instead of buried inside a batch.
Every unit tracked by VIN, serial or lot, with title and custody attached to the same record.
Dealers submit draws with the invoice or auction receipt attached. Advance rate, available credit and collateral checks are applied before the request reaches a person, so the queue your team works is the queue that actually needs judgment.
Every dealer sees their own line: what is available, what is floored, what is due and when. Self-service on their side means fewer inbound calls on yours, and a floor plan relationship that feels current rather than faxed.
Digital verification for the units that can be confirmed remotely, on-site audits for the ones that cannot. Assign auditors, work the exceptions, and close with a record of what was verified and what was not.
Payoff behavior, inventory aging, curtailment performance and payment exceptions roll into a dealer score that moves week to week. Watch the trend between audits, while there is still time to do something about it.
Every floored unit, its age, its status and what is owed against it, live in one place instead of a spreadsheet reconciled once a month.
The operational load of funding, servicing, portfolio management and risk is what historically kept lenders from serving smaller dealers economically. Vero carries it, so you can enter wholesale quickly and grow the book with a modern dealer experience.
Every function a floor plan program needs, built modular so you run only what you need and add the rest as you grow.
AutoUse has financed independent auto dealers across the Northeast for more than 50 years. It had spent more than six months building its own dealer portal before concluding that the build was the smaller half of the commitment. Supporting, securing and enhancing a specialized lending platform is the part that recurs every year. It stopped, and bought instead.
AutoUse went live on VeroOS in December 2025 as the system of record for its floor plan program: funding, curtailment tracking and repayment automated, dealer self-service in place of a phone call, inventory-level visibility and dealer performance monitoring with real-time risk alerts, and streamlined audit reconciliation. The portfolio has since grown by more than 20%, on the same headcount.
“Partnering with Vero gives us the tools to better serve our dealers while strengthening operational control. We’re excited to offer faster, smarter, and more transparent financing as we scale our portfolio.”
How wholesale lines actually work, what the software has to track, and where Vero fits.
Floor plan financing, also called wholesale or inventory finance, is a line of credit that lets a dealer stock inventory it has not sold yet. The lender funds each unit at purchase, the unit itself secures the advance, and the advance is repaid when the unit sells or on a curtailment schedule if it does not. Because the exposure sits in individual units on a lot rather than in a single amortizing balance, the lender has to know what is on the floor, what it is worth and whether it is still there.
Everything between the funding request and the payoff: dealer lines and advance rates, funding requests and disbursement, unit-level inventory and aging, curtailments, payments and payoffs, title custody, floor checks and audits, dealer risk scoring, and portfolio concentration and utilization. VeroOS runs all of it against one record per dealer and per unit, so a funding decision, a title, an audit result and a payment exception attach to the same asset rather than to four systems.
A curtailment is a scheduled principal reduction on a unit that has been floored for a set period and has not sold, which keeps the advance in line with an asset that is aging. In VeroOS, curtailment schedules, ACH scheduling with bank-holiday awareness, payoffs and past-due tracking sit in the Payments module against the same unit record. A missed curtailment surfaces as work to be done, not as a line item to reconcile at month end.
Digital and on-site audits run in one workflow. Units that can be confirmed remotely are verified digitally with photo verification, and the rest are assigned to an auditor on site. Unverified units escalate instead of sitting, and every closed audit leaves an evidence trail of what was verified and what was not, against the same records the credit and servicing teams already work from.
Every floored unit is tracked individually by VIN, serial or lot, with aging, location and status live against the dealer line, and with title and custody attached to the same record from funding through payoff. Vero finances both serialized and non-serialized assets. Asset classes include auto, powersports and marine, RV and trailer, equipment, heavy truck, and agriculture and turf.
Vero handles the operational side of titles: batch intake, OCR-based VIN verification, matching each title to the unit it belongs to, coded physical filing and custody tracking, an exception queue for anything unmatched, and tracked outbound shipping when a title is released. Vero does not perform state filing, lien perfection or electronic lien and title (ELT) processing. Those stay with your existing process or provider.
Yes. Under Vero's Lending-as-a-Service model your balance sheet funds the program and Vero operators run the day to day on VeroOS under your brand: funding, servicing, audits, portfolio management and dealer support. The operational load of servicing dealers is what has historically kept lenders from serving smaller dealers economically, and this is the model that carries it for you.
A 30-minute walkthrough of the funding queue, the dealer portal, the audit board and the risk module, mapped to your program.
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