For an independent dealership, stock is the business. Every car on the forecourt is cash that is not in the bank, and every good car you could not buy is a sale that went to someone else. That is why the way you finance stock shapes almost every other decision you make.
This guide explains how a revolving stock-financing line works, what to look for in the pricing and how it fits with the rest of your operations.
Why stock financing matters for independent dealers
Large groups negotiate funding the way they negotiate everything else: at scale. Independent businesses rarely get the same treatment. Banks and software platforms tend to offer generic products designed for large enterprises, and small teams are left juggling providers, bills and repayment dates.
A credit line built for stock changes the rhythm. Instead of waiting for one sale to fund the next purchase, you buy when the right car appears and repay when it sells.
What a revolving line is
- Revolving. As you repay, the same limit becomes available to draw again.
- Tied to stock. You use the line to purchase inventory, so the funding moves with your forecourt.
- Sized to your business. At INFINIT, credit lines range from £100k to £500k and you can scale at your own pace.
How it works, step by step
The process is designed to stay out of your way. There is no lengthy paperwork and no complex forms.
- Apply online. Complete a simple application in minutes.
- Get approved. Receive your credit decision within a week, with a fast-track available.
- Stock up. Use your credit line to purchase inventory.
- Sell and repay. Repay when you sell, then draw again on the credit line.
Pricing you can plan around
Interest that changes with the calendar makes planning harder, especially when a car takes longer to sell than expected. A fixed fee does the opposite: you know the cost before you buy.
| Term | What it means for your business |
|---|---|
| Credit line | From £100k up to £500k, revolving as you repay |
| Pricing | One fixed fee: no interest and no hidden charges |
| Approval | A credit decision within a week, with a fast-track available |
| Repayment | When the vehicle sells, then draw again |
| Included | Full Operating system access comes with financing |
Who provides the funding
INFINIT operates INFINIT Capital, which has a dedicated fund of £300M to finance independent businesses. That funding sits next to your payment account and your stock data rather than in a separate system.
One place for stock and cash
When financing, payments and inventory live in different tools, someone has to reconcile them by hand. Bringing them together means deposits can be matched to the right transactions, stock rotation and margin are visible per vehicle, and the whole team works from the same information.
That was the experience at Hudson Autos, a two-person dealership in Essex, where one monthly payment replaced several separate arrangements and gave the owner clearer visibility over costs.
Explore financial services for your business
If your next good car is waiting on your last sale, a stock-financing line is worth a conversation.
