Floorplan finance for different industries

One Product, Multiple Industries…Tailored Every Time

Whether you are selling caravans, boats, tractors, excavators, or machinery, every industry in Australia has its own sales cycles, stock values, and turnover patterns. While the core outcome remains – the provision of funding so dealers can acquire inventory without depleting working capital, floorplan facilities operate differently across industries. The right solution helps you to remain agile, stock more confidently, and manage cash flow all year.

At Soda Capital, our approach is simple: We build finance around the way your industry operates. There is no one-size-fits-all approach. That means floorplan facilities with tailored limits, flexible repayments, sector-aware terms, and the ability to fund new, used, demo, or imported stock. Our structure allows dealers to access more inventory, improve cash flow, and scale sustainably without the rigidity that typically comes with traditional bank finance.

Let’s break down how floorplan finance works across different industries in Australia and why it has become one of the most effective growth tools for dealers and distributors.

Automotive

The Australian automotive industry relies heavily on fast, efficient inventory turnover. Customers expect variety, suppliers expect swift payment, and dealers need liquidity to refresh stock. Floorplan finance for automotive stock, including cars, trucks, trailers, etc, allows dealers to:

Maintain a broad inventory of makes and models without tying up capital upfront.

Respond quickly to buyer demand with new or demo units ready for display.

Pay interest only on what they use, so funds flow with sales performance.

With Soda Capital’s automotive floorplan facilities, dealers can structure repayment schedules to align with their business cycles and free up working capital for marketing, customer service, business development, and other initiatives. We offer dealers:

• Flexible credit limits based on actual stock rotation, not rigid annual reviews.
• Funding for new, used, and demo stock, so dealers can keep their yards dynamic.
• Interest-only until sale to match industry turnover cycles.
• Fast approvals so dealers can secure vehicles quickly when supply becomes available.
• Transparent fees with no hidden cost structures that eat into unit margins.
• Trade-in support mechanisms help dealers liquidate used stock while accessing immediate working capital.

The benefit:

Dealers can expand inventory depth whilst maintaining the cash flow required to run high-pressure automotive operations, improving both sales velocity and service capability.

Marine and boating

Boating dealerships in Australia face strong seasonal peaks, often with a core concentrated sales window ahead of warmer months, followed by a quieter off-season. Floorplan finance supports marine dealers by:

Funding high-value units like boats and jet skis so dealers don’t exhaust their working capital on stock.

Offering flexible repayment terms that match the seasonal nature of boating sales.

Enabling stocking of both new boats and demo units to drive customer engagement on the water.

At Soda Capital, our marine floorplan finance helps dealers to prepare for peak demand, whilst retaining funds for staffing, storage, and service operations during slower periods. We offer marine dealers:

• Seasonally responsive limits that increase ahead of demand peaks.
• Flexible repayment structures to accommodate longer sales cycles and demo usage.
• Funding for imported vessels on Bill of Lading or Ex-Works, supporting long supply chains.
• Support for rigged, unrigged, and packaged stock, recognising the industry’s unique preparation stages.
• Distribution finance options for bulk shipments and wholesale groups.
• Ability to fund slow movers without rigid time-based penalties, helping dealers maximise the full selling season.

The benefit:

Marine dealers can ensure they are stocked appropriately for the summer sales period without cash flow strain, while maintaining liquidity for marketing, staffing, service departments, storage, and other business promotion.

Caravan and Campervans

Caravans and RVs are often high-value, low-turnover products with longer styles. The right floorplan finance allows dealers in this industry in Australia to:

Stock a variety of layouts and models that meet diverse customer preferences and travel requirements.

Maintain inventory readiness ahead of peak travel seasons, school holidays, and long weekends.

Access flexible terms that align repayments with when units sell, not on rigid dates.

With Soda Capital’s tailored facilities, dealerships can improve stock variety and turnover without sacrificing cash flow or operational agility. We offer dealers:

• Funding for all types of vans, including new, used, trade-ins, and demonstrators.
• Flexible terms that align with industry-specific sales cycles.
• No restrictive covenants prevent dealers from carrying broader ranges.
• Support for custom-built or special-order units, funding at key production stages.
• Fast drawdowns so dealers can respond to manufacturer availability windows.
• Transparent interest structures that allow dealers to plan margin and cash flow with confidence.

The benefit:

Dealers avoid the typical cash flow squeeze that comes with stocking higher-priced items such as caravans and RVs, allowing them to diversify their range and capture more customers across a wider variety of price points.

Agriculture

Australian agriculture dealers are generally trying to juggle the sales cycle and the turnover of slower-moving items like tractors as well as faster-selling implements tied to planting and harvest cycles. Floorplan finance can support this dynamic industry by:

Providing funding for both new and used agricultural assets, from tractors to attachments.

Allowing dealers to bring stock in ahead of peak seasons, e.g., harvesting and sowing.

Aligning repayment timing with farmers’ purchasing cycles, which can often occur in bursts.

We understand that selling agricultural equipment demands flexibility and seasonally responsive terms, so you can balance stock levels with operating cash flow. With a Soda Capital floorplan finance facility, dealers get access to:

• Seasonal limit smoothing that increases during planting/harvest periods.
• Funding for new, used, and imported stock
• Extended ageing allowances for slower-moving, high-ticket items.
• Integrated solutions for multi-brand dealerships, allowing consolidation across product lines.
• Flexible repayment windows tied to expected turnover.
• Support for dealer-to-dealer transfers, freeing capital quickly when redistributing stock.

The benefit:

Agricultural dealers maintain the right mix of stock year-round and can prepare for seasonal peaks to meet customer demands without sacrificing liquidity.

Construction & Industrial Equipment

The construction and industrial sectors require dealers to carry high-value items, such as excavators, forklifts, and material-handling equipment. These items present funding challenges because:

They command significant capital, yet turnover isn’t always predictable.

Savvy dealers need the ability to stock both new and used machines.

Customers may negotiate long delivery or demo periods.

Our floorplan facilities enable construction and industrial dealers in Australia to fund inventory without front-loading cash, maintaining liquidity for marketing, site expansion, and operational resilience. Features include:

• Large-ticket funding capability without restrictive LVRs that banks typically impose.
• Funding for used and reconditioned machinery, unlocking liquidity tied up in pre-owned stock.
• Extended stocking terms, recognising longer sales cycles.
• Flexible pay-down structures when units are rented before sale.
• Distribution finance for manufacturers or importers supplying multiple dealers.
• No blanket covenants restricting the movement or utilisation of equipment.

The benefit:

Dealers can confidently hold big-ticket inventory to meet the requirements of commercial buyers whilst retaining working capital for sales teams, service departments, and operational growth.

Outdoor Power & Motorcycles

Smaller ticket, higher turnover product lines, such as outdoor power equipment and motorcycles, can benefit from floorplan finance because:

It allows dealers to maintain a diverse range of models, colours, and accessories without tying up capital.

Flexible, pull-through funding is ideal when stock turnover happens more frequently.

Financing both new and used stock gives dealers adaptability during peak demand, e.g., spring or summer.

Soda Capital’s floorplan solutions are designed to handle varied stock values across diverse product segments, helping dealers to maintain a broad, customer-focused range without overlapping or stretching working capital. We tailor our floorplan finance to give dealers:

• Funding for high-volume, lower-ticket items that banks often won’t support.
• Multi-unit drawdowns and batch funding to streamline operations.
• Seasonal cycle adjustments ensure dealers can stock heavily in spring.
• Accessory and attachment financing to improve upsell capacity.
• Flexible credit structures for mixed new/used stock.

The benefit:

Dealers can ensure they offer the breadth of stock required to drive sales in a fast turnover industry without draining working capital.

Multi-location dealers & distributors

Large dealer networks and distributors require the ability to manage stock across multiple sites and product categories. Floorplan finance for this industry offers:

Consolidated control over stock funding across regions or branches.

Simplified reporting structures that support centralised cash flow planning.

The ability to allocate funding strategically where sales velocity is strongest.

Our approach is tailored to suit both manufacturer and dealership networks, ensuring they benefit from dedicated support, clear fee structures, and transparent terms, even as operations scale.

• Group-wide facility structures that allow multiple branches under one umbrella.
• Centralised reporting dashboards streamlining processes for finance teams.
• Dealer-to-dealer transfer support, ensuring stock moves where it’s needed.
• Distribution finance for manufacturers supplying dealer networks.
• Scaling limits that expand as dealer networks grow.

The benefit:

Multi-location dealerships can operate with a single, unified funding strategy, improving liquidity management and enabling expansion.

Why Soda Capital is the Right Fit Across All Industries

Our offerings stand out across all sectors because they are:

Flexible: Rapid approvals, quick drawdowns, simple application process.

Transparent: Clear pricing, easy-to-understand terms, and no hidden surprises.

Industry-led: Designed by people who understand the requirements of dealers, distributors, buying cycles, seasonality, and stock rotation across various industries.

Supportive: A specialist team that works alongside you with dedicated BDMs and support staff.

Finance Built for Your Industry, Your Stock, and Your Growth

Every industry deals with different pressures, stock profiles, sales cycles, and cash flow rhythms. Soda Capital’s floorplan finance works because it adapts to those differences, helping dealers to unlock cash flow, expand inventory lines, and grow with confidence. Whether you are selling boats, vans, cars, tractors, machinery, caravans, or motorcycles, Soda Capital’s floorplan finance solutions provide you with the stock you need and the cash flow strength to back it. Explore our floorplan finance solutions today, or request to speak with one of our team to structure a facility that fits your business.