Key Takeaways
- O-1 auto dealers qualify on total dealership revenue — not immigration status
- Floorplan supplementation, F&I, and service department capital all available
- SBA barred for O-1 holders since March 2026
- Dealership revenue is verifiable and substantial
- 48-hour decisions, no green card required
O-1 automotive professionals who own or operate car dealerships — executives recognized for innovation in dealership operations, automotive industry leaders documented through major industry publications, or dealers whose performance metrics have earned recognition at the highest levels — run high-revenue businesses with complex capital needs. Floorplan financing, F&I operations, service department working capital, and marketing all require capital that banks routinely deny O-1 holders. Bankable funds O-1 car dealership businesses on dealership revenue — not immigration status. Check your Bankability Score.
What Dealership Funding Covers
- Floorplan supplementation: Working capital to support inventory turns between floorplan cycles
- Service department capital: Parts inventory, technician payroll, equipment
- F&I office infrastructure: Back-office technology and compliance tools
- Marketing: Digital advertising, OEM co-op programs, inventory advertising
- Working capital: Bridging between vehicle sale funding and operational costs
- Used car acquisition: Working capital for auction purchases and trade-in management
Dealership Revenue Documentation
We evaluate dealership applications using DMS (dealer management system) reports — CDK, Reynolds & Reynolds, DealerSocket — alongside bank statements. Key metrics: total monthly revenue (new vehicles, used vehicles, F&I, parts, service), gross profit margin per department, and trailing 6-month revenue consistency. A franchise dealer with $2M/month in total revenue has a strong qualifying profile.
Independent vs. Franchise Dealerships
Both franchise and independent dealerships qualify. Franchise dealers have OEM-mandated floor plans and capital requirements; independent dealers have more flexibility but fewer resources. Bankable evaluates each on its own revenue merits. Used-only lots with strong auction-to-retail programs and consistent monthly sales volume qualify on the same revenue-based model as franchise dealers.
Frequently Asked Questions
Yes. Bankable funds O-1 dealerships on total dealership revenue. No green card required.
CDK, Reynolds & Reynolds, DealerSocket, and similar systems alongside bank statements qualify.
$75,000/month in total dealership revenue with 6 months of operating history.
Yes. Parts inventory and technician payroll are valid capital uses.
48 hours from complete application.
Yes. All SBA programs require 100% citizen/national ownership since March 2026.
Yes. Auction purchase working capital is a common use case.
Up to $5M based on total dealership revenue.
Yes. F&I income counts alongside new and used vehicle sales in the total revenue calculation.
No. Independent dealers without franchise agreements qualify based on their operating revenue.