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Dealership, Floorplan & Marine Property Loans in Texas

A dealership file is really two files: the real estate, and the inventory financed on a floorplan line. They are underwritten by different lenders on different terms, and confusing the two is the most common reason a dealership request stalls.

What this page covers

  • Auto Dealer Floorplan Financing
  • Auto Dealership Real Estate Loans
  • Boat & Marine Dealership Facility Loans
  • Classic & Exotic Car Storage Facility Loans
  • Marina & Boat Storage Commercial Loans

What these files have in common

Where these deals turn: the franchise or dealer agreement and its term, inventory turn, and — on anything on the water — riparian rights, dredging obligations and slip leases.

Our minimum loan is $200,000. We are a direct commercial lender working across the 43 states we serve, in business since 1998. Rates are quoted on the file rather than published — call and we will price the deal in front of us.

Industrial & warehouse · Loan Structures and the Capital Stack · Commercial lending · Self-storage · All property types

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Service Areas: Houston | Dallas | Austin | San Antonio | Fort Worth | Near Me TX Construction Rates
Common Questions: Credit Score Required | How Long to Close | Hard Money vs DSCR | Bad Credit OK | DSCR Requirements | No Income Verification | Minimum Down Payment | Documents Required
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Auto Dealer Floorplan Financing

Auto Dealer Floorplan Financing:
Inventory Credit Lines for Independent Dealers

Independent used car dealers, RV dealers, and powersports dealers need revolving inventory credit lines to stock their lots — but most floorplan lenders only work with franchised new-car dealers or require years of audited financials most independents don't have. We arrange floorplan and inventory financing built around independent and buy-here-pay-here dealers' actual business.

80-100%
Advance vs. Wholesale Value
Revolving
Line Structure
Weekly/Monthly
Curtailment Schedule
1-3 wks
Typical Setup

Floorplan financing is a revolving credit line secured by a dealer's vehicle inventory — new units draw against the line at purchase (typically at auction or from a wholesaler), and the advance is repaid as each unit sells, with curtailment payments reducing the balance on aged units that haven't turned. It's how most dealers fund their lot without tying up cash in inventory, but the specialty lenders who understand vehicle floorplan risk (title control, aging curtailment, physical audits) are a much smaller universe than general commercial lending — and most won't touch an independent dealer without an established franchise relationship or years of financials.

What We Finance

Independent Used Car Dealers

Standalone and buy-here-pay-here lots needing inventory credit lines

RV & Powersports Dealers

Motorhome, boat, motorcycle, and ATV dealer floorplan lines

New Dealer Startups

Newly licensed dealers establishing their first floorplan relationship

Line Increases/Refinance

Existing dealers outgrowing a current floorplan line or facing a non-renewal

Strong Underwriting Profile

Valid dealer license in good standing with the state and bonded as required
Established lot location with reasonable inventory turn history
Clean title-control practices — no prior floorplan defaults or out-of-trust sales
Owner with dealer or automotive sales management experience
Reasonable personal/business credit profile, even without years of audited financials

Harder to Finance

Prior floorplan default or documented out-of-trust sale history
Suspended, revoked, or lapsed dealer license
No physical lot location or inventory storage arrangement
Inventory concentrated in salvage or non-repairable titles without a clear resale channel
Active litigation tied to prior dealership operations

New Lines, Increases, and Non-Renewal Refinancing

We work with independent dealers establishing their first floorplan line, dealers who've outgrown a current line and need an increase, and dealers facing non-renewal from an existing floorplan lender who need to replace that credit line before their lot sits empty. Terms are structured around actual inventory turn and dealer experience, not a franchise agreement.

Need a Floorplan Line for Your Dealership?

Send us your license status, lot location, and current or projected inventory volume. We'll tell you what line size fits — usually within 48 hours.

Submit Your Floorplan Financing Request →
Auto Dealership Real Estate Financing

Auto Dealership Real Estate Loans:
Financing the Land & Building, Not the Inventory

This is real estate financing for the dealership property itself — the showroom, service bays, and lot — not a floorplan line for vehicle inventory. Whether you're buying the land under a franchise dealership, refinancing a maturing note, or purchasing a former dealership site to convert to your own brand, we finance the real property on terms that fit how dealership real estate actually performs.

65-75%
Max LTV, Purchase
Quoted on your deal
Rate Range
20-25 yr
Amortization
3-5 wks
Typical Close
Not floorplan financing. If you're looking for a line of credit to finance vehicle inventory sitting on the lot, that's a separate product — see our auto dealer floorplan financing page. This page is specifically for buying, refinancing, or building the dealership's real estate.

Dealership real estate is a specialized commercial asset — purpose-built showrooms, multi-bay service centers, large paved lots, and sometimes manufacturer-mandated image-program improvements that a generic retail lender doesn't know how to underwrite. Banks often lump dealership real estate in with the dealer's floorplan credit relationship, which can complicate a straightforward real estate purchase or refinance. We treat the real estate as what it is: a property with its own income potential (lease-back to the dealership operation, or resale value to another operator) independent of any single franchise's floorplan arrangement.

What We Finance

Franchise Dealership Purchase

Buy the real estate under a new or existing franchised new-car dealership

Independent / Used-Car Lot

Purchase or refinance of independent dealership real estate and lots

Image-Program Renovation

Cash-out refinance to fund manufacturer-required facility upgrades

Former-Dealership Conversion

Buying a vacant former dealership site to re-brand or repurpose

Strong Underwriting Profile

Clear title on the real estate, separate from any floorplan lender's blanket lien position
Established dealership operation with documented sales/service revenue history
Location on a visible, high-traffic auto row or arterial corridor
Facility condition supports current or planned franchise brand standards
Environmental Phase I clean, or a manageable Phase II scope (fuel storage, service bay considerations)

Harder to Finance

Real estate cross-collateralized or tangled with an existing floorplan lender's lien
Brand-new operator with no dealership management or ownership track record
Site in a declining or low-traffic secondary location off the main auto corridor
Unresolved environmental issues from decades of fuel/service bay operations
Franchise agreement in jeopardy or up for non-renewal with the manufacturer

Purchase, Refinance, or Cash-Out for Facility Upgrades

Manufacturer image programs periodically require significant facility reinvestment — new signage, showroom redesign, service bay expansion — and dealers often need capital that's structured against the real estate itself rather than tied up in floorplan or working capital lines. We structure purchase, refinance, and cash-out real estate loans specifically for dealership property, keeping that financing cleanly separate from your inventory floorplan relationship.

Buying, Refinancing, or Renovating Dealership Real Estate?

Send us the property details, franchise (if applicable), and current financing. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Dealership Real Estate Request →
Boat & Marine Dealership Financing

Boat & Marine Dealership Facility Loans:
Financing Texas Marine Sales & Showroom Real Estate

Boat and marine dealership real estate — showroom, service bays, and outdoor display/storage yard — is a distinct property type from marina slip storage, with its own underwriting considerations around dealer floorplan relationships, service revenue, and seasonal sales patterns tied to Texas's huge lake and coastal boating market.

60-70%
Max LTV
Quoted on your deal
Rate Range
15-20 yr
Amortization
3-5 wks
Typical Close

This is real estate financing for the dealership facility itself — the showroom, service department, parts operation, and outdoor display/storage yard — not the manufacturer floorplan financing that funds the boat inventory on the lot. Texas has one of the largest recreational boating markets in the country between its lake regions and Gulf Coast, and dealership real estate here needs to support both showroom sales traffic and a service department generating year-round revenue independent of new-boat sales seasonality.

What We Finance

Dealership Purchase

Acquisition of an existing marine dealership's real estate and facility

Showroom & Service Buildout

Capital to build or renovate showroom and service department space

Outdoor Display/Storage Yard

Financing for the land supporting outdoor boat and trailer display/storage

Refinance & Expansion

Cash-out or expansion financing for growing dealership operators

Strong Underwriting Profile

12-24 months of sales and service department revenue history
Established manufacturer dealer agreements in good standing
Service department generating meaningful revenue independent of new-unit sales
Location with strong visibility and proximity to lake/coastal boating markets

Harder to Finance

Pre-opening dealerships with no sales or service history
Heavy reliance on a single manufacturer relationship with no diversification
Weak or declining service department revenue relative to sales
Location far from established boating markets or lake access

Purchase, Buildout, or Refinance

Whether you're acquiring an established dealership, building out a new showroom and service facility, or refinancing to fund expansion, we structure financing against the real sales and service revenue — not a generic auto-dealership template that doesn't account for marine retail's distinct seasonality and service economics.

Financing a Texas Boat or Marine Dealership Facility?

Send us the property, sales, and service revenue history. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Marine Dealership Loan Request →
Classic & Exotic Car Storage Financing

Classic & Exotic Car Storage Facility Loans:
Financing Texas Collector Vehicle Real Estate

Climate-controlled collector car storage — sometimes combined with detailing, maintenance, and members-only clubhouse space — is a growing premium real estate category in Texas's wealthy metro corridors. Conventional lenders often can't tell it apart from generic self-storage, missing the higher revenue-per-square-foot this specialized model actually generates.

60-70%
Max LTV
Quoted on your deal
Rate Range
15-20 yr
Amortization
3-5 wks
Typical Close

Premium collector car storage differs meaningfully from standard self-storage: climate control, enhanced security (often including individual unit monitoring), higher ceiling clearance, and increasingly, a membership/clubhouse component with detailing bays, lounges, and event space for owner gatherings. This combination commands per-square-foot rates well above standard self-storage, but most lenders default to underwriting it as generic storage rather than the differentiated, higher-margin product it actually is.

What We Finance

Climate-Controlled Storage Units

Purchase or refinance of premium individual storage units for collector vehicles

Members-Only Clubhouse Facilities

Combined storage plus lounge, detailing bay, and event space for owner communities

Buildout & Expansion Capital

Capital to add units, upgrade climate control, or expand clubhouse amenities

Strong Underwriting Profile

12-24 months of occupancy and membership revenue history documented
Strong security infrastructure with insurance-grade monitoring and access control
Location in a high-net-worth metro corridor with real collector vehicle demand
Waitlist or high occupancy rate demonstrating unmet local demand

Harder to Finance

Pre-opening facilities with no occupancy or membership history
Standard climate control only, without the security/amenity differentiation buyers pay a premium for
Location outside an established collector vehicle market
Heavy reliance on a small handful of members for most facility revenue

Acquisition, Buildout, or Expansion Capital

Whether you're acquiring an established premium storage facility, building out a new climate-controlled clubhouse concept, or expanding an existing operation to meet waitlist demand, we structure financing around the real per-unit economics — not a generic self-storage rate that ignores what makes this niche genuinely more valuable.

Financing a Texas Classic or Exotic Car Storage Facility?

Send us the facility, occupancy, and revenue history. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Car Storage Loan Request →
Marina & Boat Storage Financing

Marina & Boat Storage Commercial Loans:
Financing Texas Waterfront Income Property

Marinas, dry-stack boat storage, and RV/boat storage facilities are specialty commercial real estate that most banks decline outright — the income model (slip rentals, storage fees, fuel dock revenue) doesn't fit a standard commercial underwriting box. We finance these deals directly, on the property's real income and location, with the speed a marina purchase or refinance actually needs.

60-70%
Max LTV, Marina/Storage
Quoted on your deal
Rate Range
20-30 yr
Amortization
2-4 wks
Typical Close

Texas has thousands of miles of coastline and reservoir shoreline — Lake Travis, Lake Conroe, Lake Texoma, the Gulf Coast from Galveston to South Padre — and demand for wet slips, dry-stack storage, and boat/RV storage yards has outpaced supply in most of these markets for years. But marinas and storage facilities carry operational risk factors (seasonal revenue swings, environmental/wetland exposure, fuel dock liability, aging bulkheads and docks) that push most conventional and SBA lenders to decline the asset class entirely, regardless of how strong the actual occupancy and revenue numbers are.

What We Finance

Wet Slip Marinas

Purchase or refinance of operating marinas with dockage, fuel, and service income

Dry-Stack Storage

Indoor/rack boat storage facilities — purchase, refi, or expansion

Boat & RV Storage Yards

Outdoor covered/uncovered storage lots with fenced, gated access

Marina Redevelopment

Value-add acquisitions needing dock, bulkhead, or facility upgrades

Strong Underwriting Profile

Documented slip/storage occupancy and rate history — rent roll or POS revenue reports
Bulkheads, docks, and floating structures in serviceable condition with no deferred maintenance backlog
Clear title with resolved submerged-land lease or riparian rights documentation
Fuel dock and environmental compliance current (tank testing, spill containment)
Location on a stable or growing lake/coastal market with limited new supply

Harder to Finance

Unresolved submerged-land lease disputes with a river authority or the GLO
Significant hurricane/flood damage history with no completed repairs
Environmental contamination flags from fuel storage without remediation records
Speculative ground-up marina construction with no operating history
Facilities in declared floodway with unresolved permitting issues

Purchase, Refinance, or Cash-Out for Facility Improvements

Marina and storage operators often need capital a rigid bank use-of-funds policy won't accommodate — adding dry-stack racks, replacing aging bulkheads, buying out a partner, or funding a fuel dock upgrade. We structure purchase, refinance, and cash-out deals against the facility's real value and income, without the environmental-risk-averse box-checking that sinks most marina loan requests at conventional lenders.

Buying, Refinancing, or Expanding a Texas Marina or Storage Facility?

Send us the slip/storage count, occupancy, and revenue details. We'll tell you what it qualifies for — usually within 48 hours.

Submit Your Marina/Storage Loan Request →
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