A vertical where the prior lien is almost always the deciding factor. Most independent dealers finance their inventory through a floor plan lender, and that lender is secured against the cars — which means an advance sits behind a facility covering the dealership’s single largest asset.
A vertical where the prior lien is almost always the deciding factor. Most independent dealers finance their inventory through a floor plan lender, and that lender is secured against the cars — which means an advance sits behind a facility covering the dealership’s single largest asset.
Tax refund season is the single biggest event — February through April is materially the strongest stretch for independent and buy-here-pay-here dealers, because down payments arrive with refunds. Late summer is the trough.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Floor plan facilities with blanket coverage over inventory
Gross-to-net gaps that make the holdback unserviceable
Buy-here-pay-here portfolios with unclear collection performance
Licensing or bonding issues surfacing in diligence
Narrow and specialist. A minority of funders write this vertical properly; the rest either decline it or price off gross revenue in a way that produces a deal the dealer cannot carry. Knowing which desks genuinely take auto dealers is most of the value on these files.
The feed is a round robin off live traffic, not a menu — we cannot promise a pure feed of any single industry. What we can do is tell you honestly whether the volume exists to weight your feed toward independent auto dealers, before you spend anything.
$80K–$700K/month gross, with margin a small fraction of it, with advances typically landing at $25K–$100K. Every lead clears the same six minimums regardless of vertical — $30K+ monthly revenue, $15K+ requested, six months trading, four months of statements available, U.S.-based and mobile-verified by a 6-digit code.
Not exclusively. The feed is a round robin off live traffic rather than a menu, so a pure single-industry feed is not something we can honestly promise. We can weight your feed toward a vertical where the volume supports it, and we will tell you plainly before you order whether it does.
Floor plan facilities with blanket coverage over inventory, most commonly. The others worth screening for on the first call are gross-to-net gaps that make the holdback unserviceable, buy-here-pay-here portfolios with unclear collection performance, licensing or bonding issues surfacing in diligence.
$60 per lead across every vertical, in lead packs starting at 50. Full pricing and the market context is on the buy page.
Trucking and transportation
$30K–$180K/month, clustered at the lower end for owner-operators
Restaurants and food service
$25K–$120K/month for independents
Construction and contracting
$50K–$400K/month, with a long tail above
Medical practices and med spas
$60K–$300K/month
E-commerce and retail
$30K–$200K/month
Home services — HVAC, plumbing, electrical
$40K–$250K/month
Auto repair and collision
$30K–$150K/month for independents, higher for multi-bay collision
Staffing and recruiting agencies
$50K–$500K/month, scaling fast in either direction
Salons, barbershops and spas
$30K–$90K/month for a single location
Liquor and convenience stores
$40K–$300K/month gross, with true margin a fraction of it
Gyms and fitness studios
$30K–$120K/month for independents and single-location studios
Landscaping and lawn care
$30K–$180K/month in season, far lower out of it
Manufacturing and wholesale
$60K–$600K/month
We will tell you straight up if we cannot help you. No commission deals, no free trials, no chasing you for three weeks.