The floorplan industry loses millions to out-of-trust sales because it relies on dealer-reported data and 30-to-90-day physical audit cycles. VINAFI changes that. We bypass the dealer entirely — pulling live sale events from state titling systems and market inventory feeds, then cross-referencing against your funded portfolio to flag out-of-trust vehicles the day they sell. No dealer self-reporting. No 28-day blind spots.
Platform Capabilities
Every feature exists to give the floorplan lender and auto lender independent, real-time visibility into collateral integrity — not to help the dealer manage their lot.
The moment a vehicle in your floorplan is sold — detected through state titling systems and dealer inventory feeds, not dealer self-reporting — your audit team is alerted the same day.
Every sale event, lien status change, and audit action is consolidated into one searchable, timestamped record per VIN — independent of dealer-reported data.
Our AI monitors dealer behavior patterns across the entire VinHub network — flagging anomalies, early distress signals, and double-flooring schemes before they become losses.
Nationwide direct integration with state DMV and titling systems is coming soon — delivering consistent, verified collateral data regardless of where your dealers operate.
Generate detailed collateral verification and risk reports by dealer, portfolio, region, or date range — formatted for your audit team and compliance requirements.
Timestamped, state-verified sale records eliminate fraudulent bill-of-sale manipulation and dealer bookkeeping fraud that costs floorplan lenders millions annually.
The VINAFI Difference
Floorplan lenders using VINAFI reduce physical audit overhead by an average of 70% — redirecting that capacity to higher-value risk management and exception handling, not routine lot drive-throughs.
Where Our Intelligence Comes From
Our out-of-trust detection is powered by a State-Direct Inquiry Network: a digital bridge straight to state-level DMV and title records. We don't resell stale aggregator feeds — we ping the source.
Access real-time vehicle title, lienholder, and ownership data across 44+ state DMVs and jurisdictions, including Washington, D.C.
Don't wait for a default or a failed audit to discover a problem. Our system pings 50 states plus D.C. to detect "Title Issued" events, ownership changes, and new lien filings the moment they occur.
Every query is performed within strict Driver's Privacy Protection Act (DPPA) guidelines. We provide a defensible, detailed audit trail for every portfolio inquiry your compliance team needs.
Our proprietary automation layer normalizes messy state records into clear, actionable lienholder data — so you can verify collateral status instantly instead of deciphering inconsistent state formats.