Your dealership’s inventory needs can change over time. The number of vehicles you purchase, the amount of financing you use and your plans for the business may differ from when you established your floorplan credit line.
Reviewing your floorplan credit line can help you assess whether it still fits your dealership. If your current financing no longer matches your needs, a line modification may be an option to discuss with your floorplan provider.
Here’s what to consider when reviewing your existing credit line and preparing for a conversation about possible changes.
Start With Your Current Floorplan Credit Line
Before considering a change, it helps to understand where your account stands today.
Your approved floorplan credit limit and your available credit aren’t necessarily the same. Your credit limit is the amount approved under your agreement, while available credit reflects the portion currently available for eligible purchases, subject to your account conditions.
You can start by reviewing a few details:
- Your current floorplan credit limit
- How much credit you’re currently using
- The amount available for additional eligible purchases
- Whether your usual inventory purchasing needs have changed
The AFCDealer® portal gives you access to floorplan account information, including your credit limit and available credit.
Need help navigating your account? Explore our Beginner’s Guide to Using the AFCDealer® Portal blog.
Look at How Your Inventory Needs Have Changed
Think about how you’re using your floorplan today compared with when your credit line was established.
Are you typically purchasing about the same number of vehicles? Has your dealership’s inventory mix changed? Are you using more or less of your available credit than you used to?
These questions can help you understand whether your current financing still matches how you purchase inventory.
For example, if your dealership regularly uses much of its available credit, that may be worth discussing with your AFC branch representative. On the other hand, if your inventory needs have decreased, you may want to review whether your existing credit line still makes sense for your business.
Neither situation automatically means you need a modification. It’s simply useful information to have when reviewing your financing options.
Understand What a Line Modification Could Mean
A line modification involves making an adjustment to an existing AFC floorplan agreement.
Depending on the circumstances, that could include a change to your credit limit or certain financing terms.
For a deeper explanation of the types of changes that may be available, explore our What Is a Line Modification? blog.
Talk With AFC About Your Financing Needs
If you’re considering a change to your floorplan, your local AFC team is a good place to start.
You don’t need to know exactly what type of modification you’re looking for before starting the conversation.
It can help to share information about your current inventory needs, how you’re using your credit line and what you expect may change at your dealership.
Your AFC representative can discuss available options and help you understand what may be involved in reviewing a potential modification.
Keep Your Floorplan Aligned With Your Dealership
AFC offers floorplan financing solutions designed to support independent dealers, and our teams are available to discuss your existing financing needs and possible line modifications.
Already flooring with AFC? Contact your local AFC representative to learn more about your options.
Interested in floorplan financing with AFC? Learn more about our solutions and apply today.
Frequently Asked Questions About Floorplan Line Modifications
What is a floorplan line modification?
A line modification is a change to an existing floorplan financing agreement. Depending on the circumstances, it may involve adjusting a credit limit or certain financing terms, subject to the lender’s review and approval.
How do I know if I should review my floorplan credit line?
Consider reviewing your credit line if your inventory purchasing needs or the way you use your financing have changed. Your AFC representative can help you discuss whether a modification may be appropriate.
Can I request a change to my AFC floorplan credit limit?
You can contact your AFC representative to discuss possible changes to your credit limit. Any modification is subject to AFC’s review and approval and may require additional documentation.
*Disclaimer: AFC does not guarantee any results for floorplan financing and examples are for illustrative purposes only. Dealers should consult their own advisors to make independent business decisions regarding floorplan financing and inventory sourcing. Credit increases are subject to AFC’s credit standards. “AFC” refers to Automotive Finance Corporation, Automotive Finance Canada Inc., and AFC Cal, LLC in their respective jurisdictions
“AFCDealer®” and the afc logo are registered trademarks of Automotive Finance Corporation.
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