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Dealership Floor Plan Interest Calculator

Calculate your dealership's floor plan interest savings instantly. Discover how partial floor planning can reduce carrying costs by 30% and improve cash flow. Free tool for auto dealers.

Dealership Floor Plan Interest Calculator - Save Thousands Monthly

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Daily Interest = (Outstanding Balance × Annual Interest Rate) ÷ 365

For example, a dealership with $2.5 million in floored inventory at 6.5% interest pays approximately $445 per day or $13,350 per month in interest charges alone.

The Power of Partial Floor Planning

Partial floor planning, typically financing only 70% of inventory value, offers significant advantages:

30% reduction in daily interest charges

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Lower monthly payments free up working capital

inside__icon-illustr-523.8% increase23.8% increase

Less exposure during market downturns

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Real-World Savings Examples

Case Study 1: Mid-Size Dealership

Inventory: 150 vehicles
Average Value: $35,000
Interest Rate: 6.5%
‍Monthly Savings: $6,694
Annual Savings: $80,328

Case Study 2: Dealership Group

Inventory: 500 vehicles
Average Value: $45,000
Interest Rate: 7.0%
Monthly Savings: $39,375
Annual Savings: $472,500

Floor Plan Best Practices for Maximum Savings

What these protocols mean and why they matter
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Optimize Inventory Age

Monitor days-in-inventory closely
Implement aggressive aging policies
Focus on 45-60 day turn goals
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Manage Curtailments Strategically

Understand curtailment schedules
Plan for seasonal fluctuations
Maintain compliance to avoid penalties
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Negotiate Better Rates

Compare multiple floor plan providers
Leverage dealership performance metrics
Consider manufacturer-affiliated financing
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Track Performance Metrics

Calculate true carrying costs
Monitor turn rates by model
Analyze profitability per unit

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