A Hybrid of Commercial Returns and Developmental Impact
Our innovative floor plan finance solution bridges the gap between traditional banking and underserved vehicle dealerships.
The Challenge
The current financing landscape leaves a significant gap for smaller, independent vehicle dealerships. Traditional banks often view these businesses as too risky or too small to warrant comprehensive floor plan financing solutions.
This financing gap limits inventory capacity, restricts growth potential, and prevents many dealerships from formalizing their operations. The result is missed opportunities for both dealerships and the broader economy.
Market Gap: R10 billion underserved used car market with limited access to working capital financing.
How Our Model Works
A simple, three-step process that creates value for dealerships, investors, and communities.
Fund
We provide floor plan finance of R3.5M per dealer.
Working capital injection to acquire quality vehicle inventory.
Grow
Dealers acquire stock, increase sales, and generate revenue.
Enhanced inventory levels drive higher sales volume and profitability.
Repay
Dealers repay monthly interest and principal upon sale or within 90 days.
Flexible repayment structure aligned with dealership cash flow cycles.
90-day maximum term with flexible early repayment.
Target Dealership Profile
We partner with established, professional dealerships that demonstrate strong operational fundamentals and growth potential.
- R2M+ monthly revenue demonstrating established operations
- RMI (Retail Motor Industry) or NADA affiliation ensuring industry standards
- Operational track record of at least 2 years in vehicle retail
- Established customer base and local market presence
- Proper business registration and tax compliance
- Suitable premises and operational infrastructure
Ideal Partner Profile
Monthly revenue: R2M+. Industry affiliation: RMI/NADA. Operating history: 2+ years. Legal compliance: Fully registered.
Risk Mitigation
Vehicle title retention. Monthly on-site inspections. Digital inventory tracking. Comprehensive insurance coverage.
Market Impact
57 dealerships to be financed. 500+ jobs to be created. 50+ businesses to be formalized. Local economic development.
Ready to Learn More?
Discover how our innovative solution can deliver strong returns while driving positive social impact.