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Dealer Floor Plan Program

Customized Floor Plan Line of Credit specialized to meet your unique needs. We are equipped to design a floor plan that aligns with your business needs and includes automobiles, farm equipment, heavy-duty trucks, boats, recreational and commercial vehicles.

Flexible Structure with Competitive Rates

Customized Floor Plan Line of Credit specialized to meet your unique needs which allows the dealer to operate with less restrictions. After meeting and discussing your needs, SmartBank will design a floor plan product that aligns with your daily operations with less monitoring on your end. SmartBank’s rate structure is highly competitive in the market and one that you will find, in most cases, will be better than what your current floor plan provider is charging. This will directly increase your bottom line each month without having to meet any indirect financing ratios.

Floor Plan Rates for New and Used Inventory

You will be given one rate for both new and used inventory.

Auto Auction Setups

SmartBank will contact all auto auctions to ensure they have the correct information on file along with flooring parameters and funding guidelines.

Timely Processing of Payments

SmartBank will be responsible for contacting each manufacturer and auto auction to ensure their requests for funding are processed correctly and timely.

Fast Payment Processing

SmartBank will use both ACH and wires to expedite dealer trades and wholesale purchase funding.

We’re More Than a Lender

SmartBank will be a trusted partner for all your financial needs, making your money work for you and thereby benefiting your bottom line.

More than Automobiles…

Why SmartBank?

  • With over 60 years of experience in administering the floor plan product to dealers, our team is prepared to give you the personal attention you deserve.
  • Experienced Floor Plan Operations Team is ready to assist with all of your floor plan needs.
  • State-of-the-art administration and auditing systems with an experienced team dedicated to dealership floor plan financing.


What Sets Us Apart

  • User-friendly billing statements, designed to reflect unit-level details, are intended for CFOs/Controllers to understand and utilize in reconciling inventory.
  • SmartBank Equity Option allows dealers to deposit personal or dealership excess funds to offset the vehicle floor plan loan balance, thereby reducing interest charges.
  • Wide variety of other services, including Treasury Management with Cash Management Sweep Services, Merchant Services, Company Credit Cards, Real Estate, Term Loans as well as other business and personal loans.

Dealer Floor Plan Team

Senior Vice President, Relationship Manager
Vice President, Floor Plan Operations Manager
Senior Financial/Audit Analyst
Lead Collateral Analyst
Lead Business Analyst

Explore Our Business Banking Solutions

Business Checking

With a business checking account from SmartBank you don’t have to choose between value and convenience, we give you both! We strive to make sure your hard earned money goes to your business, not your bank.

Treasury Management

At SmartBank we don’t stop at your business checking account. Actually, we understand your growing business needs more than that. 

Business Loans

Helping your business grow is important to us, and at SmartBank we offer a variety of loan options to fit your business needs. 

Interested in a Customized Floor Plan Line of Credit?