The Best Floorplan Protection
Ever Built. For Providers of All Sizes.
VinHub is the most advanced floorplan collateral monitoring system ever created. It watches your dealers' inventory 24 hours a day, 7 days a week — detecting out-of-trust sales the day they happen and cross-referencing every funded VIN against live market data. Whether you floorplan 200 units or 200,000, VinHub gives floorplan providers of every size the same institutional-grade collateral protection that, until now, only the largest lenders could afford.
The True Cost of Floorplan Fraud
The Two Most Expensive Floorplan Frauds
Floorplan fraud drains lender portfolios long before a physical audit would ever catch it. Here's what's at stake.
Double Flooring
A distressed dealer uses the same VINs to secure duplicate loans from multiple lenders at once — often keeping two sets of books and physically shuffling cars between lots to dodge auditors.
Recent example
Stellantis Financial Services and Ford Credit uncovered a double-flooring scheme at an Iowa dealership group — $18.9M+ in combined lender lawsuits.
Selling Out of Trust (SOT)
The most common floorplan fraud. A dealer sells a vehicle to a consumer, pockets the cash to cover operating costs or personal debt, and never repays the lender holding the title.
Why it's hard to catch
Trust-based reporting and 30–90 day audit cycles mean the vehicle is long gone — and the cash with it — before the lender ever notices.
Estimated Annual Loss Breakdown
What the floorplan industry loses every year
Industry-estimated annualized credit write-offs and default losses across North American wholesale automotive and equipment floorplan portfolios. Ranges reflect market conditions, interest-rate trends, and vehicle depreciation cycles.
$100M–$300M+
"Sold Out of Trust" (SOT) & Floorplan Fraud
SOT occurs when a dealer sells financed inventory but fails to remit the payoff to the lender. High-profile collapses (e.g., the $50M Reagor Dykes case and recent $20M+ multi-store defaults) skew individual years heavily — single dealership-group failures routinely wipe out $10M–$50M in lender exposure at once.
$500M–$1.2B
Total Industry Credit & Default Losses
Broader annualized credit write-offs and default losses on North American floorplan portfolios — varying with used-vehicle value cycles, interest-rate shifts, and dealer distress events.
< 10%
Recovery on Fraud Default
Standard repossessions yield moderate recovery, but fraudulent SOT cases yield near-zero recovery. Once a dealer misdirects floorplan proceeds, lenders absorb 90%+ of the remaining uncollateralized line.
0.05%–0.30%
Loss-to-Portfolio Ratio
Floorplan loans are among the highest-performing commercial asset classes — net loss rates historically stay under 30 basis points in normal markets, but spike during sudden used-car value drops or interest-rate shifts.
Total Impact on Lenders
The numbers behind the losses
$5.38
The "True Cost" Multiplier
Every $1.00 lost to lending fraud costs U.S. commercial lenders $5.38 — legal fees, recovery, forensic audits, and overhead. — LexisNexis Risk Solutions
5%
Revenue Depletion
Organizations lose an average of 5% of annual revenue to undetected or unresolved operational fraud. — ACFE
Years
Recovery Delays
Once a dealer defaults into bankruptcy or seizure, lenders wait years to recover pennies on the dollar — while the physical collateral depreciates fast.
Proactive Mitigation
Shift from 30–90 day audits to daily VinHub monitoring
Catching dealer distress early with real-time VIN cross-referencing reduces floorplan loss rates by up to 35% — that's exactly what VINAFI AI Flooring delivers.
The Daily-Monitoring Upside
What the industry could save by auditing daily
Today's 28–90 day audit cycles let vehicles and cash disappear before a lender notices. VinHub catches the out-of-trust sale the day it happens — so collateral can be recovered while it's still recoverable.
$35M–$105M+
Estimated Annual Industry Savings
Applying the up-to-35% loss-rate reduction across the $100M–$300M+ annual fraud-loss range. Industry estimate, not a measured result.
Up to 35%
Loss-Rate Reduction
Floorplan lenders using real-time VIN cross-referencing can reduce loss rates by up to 35% versus monthly audit cycles. Indicative range, soft-attributed.
1 Day
Detection vs. 28–90 Day Cycles
VinHub flags an out-of-trust sale the day it occurs — collapsing the blind spot that lets vehicles and proceeds vanish between physical audits.
Savings figures are industry estimates derived from published loss benchmarks and the indicative up-to-35% reduction range. Individual portfolio results vary. Sources: LexisNexis Risk Solutions, ACFE, and industry loss estimates.
The Problem We Solve
Physical Audits Are Dead. 24/7 Monitoring Is Here.
At $3.50+ per gallon and rising labor costs, driving auditors between dealers is expensive, slow, and leaves 28-day blind spots in your portfolio. VinHub replaces all of it with round-the-clock collateral surveillance that never sleeps.
✕ Without VINAFI AI Flooring
- ✕Audits twice per month — 28-day blind spots per dealer
- ✕Auditors spending hours driving between dealerships
- ✕Manual inventory checks prone to human error
- ✕Vehicles sold before you find out — trust-based only
- ✕Rising fuel, labor, and vehicle costs eating margins
- ✕No real-time communication between all parties
With VINAFI AI Flooring
- Daily automated website monitoring — zero gaps
- Auditors only visit when a real issue is flagged
- AI-powered change detection, verified against portfolio
- Instant alerts the moment inventory discrepancies appear
- Eliminate the majority of physical audit overhead costs
- Seamless real-time communication across all partners
How It Works
Three Steps to 24/7 Collateral Oversight
24/7 Inventory Surveillance
VinHub continuously scans every dealer partner's website and inventory channels — capturing a live snapshot of current stock, day and night.
AI Cross-Reference
Every change — vehicles added or removed — is instantly cross-referenced against your active floorplan records to flag what matters.
Instant Alert Delivery
The moment a discrepancy is identified, your team receives an alert. Auditors are dispatched only when truly necessary.
Direct Lines to 5,000+ Lenders — Automatically
Stop searching for the right lender contact. Vinafi's exclusive network already knows exactly who owns the lien and how to reach them. Because we hold and maintain deep lender intelligence in our system, our floorplan monitoring doesn't just identify an issue — it initiates the automated reconciliation process across our entire connected lender network, instantly. No more phone tag. No more guessing. Just immediate, verified communication the moment collateral risk is detected.
- Lender identity & contacts stored in-system
- Automated reconciliation initiated on detection
- Thousands of lenders reachable in seconds
Lenders Connected
One proprietary, automated network — exclusive to Vinafi. Direct communication to thousands of financial institutions, with zero manual outreach.
State-Direct DMV Inquiry Network
Stop Relying on Intermediaries. Gain Direct Access to DMV Intelligence.
For floorplan lenders, information latency is a financial risk. We've replaced reliance on fragmented commercial data aggregators with our own State-Direct Inquiry Network — a digital bridge directly to state-level DMV and title records across the U.S.
Total Jurisdiction Coverage
Access real-time vehicle title, lienholder, and ownership data across 44+ state DMVs and jurisdictions, including Washington, D.C.
Proactive Title Change Monitoring
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.
Compliance-Grade Transparency
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.
Precision Lienholder Identification
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.
Coverage Map
44+ State DMVs & Washington D.C. — Direct Inquiry Access
Plus proactive title-change monitoring that pings all 50 states + D.C. the moment a record changes.
Predictive Dealer Risk Grading
The Dealer Scorecard — A Risk-Weighted View of Your Floorplan
Stop grading dealers by gut feel. Vinafi's Dealer Scorecard analyzes inventory turnover, audit accuracy, and payment history to rank every dealership A–F in real time — turning thousands of VIN records into clear, actionable financial intelligence.
Inventory Turnover
Flags dealers moving inventory faster than repayment can keep up.
Audit Accuracy
Rewards clean, discrepancy-free audit histories.
Payment History
Weights on-time payoff and curtailment behavior heavily.
Real-Time Re-Grading
Grades recalculate the moment new collateral data lands — not monthly.
"No One Watches Floorplan Collateral Like We Do — 24 Hours a Day, 7 Days a Week."
VinHub is the only platform ever built that watches every dealer's inventory around the clock, cross-references it against your funded portfolio automatically, and alerts every stakeholder the instant a vehicle moves out of trust — built exclusively for floorplan providers of all sizes.
VINAFI® Registered Trademark
Our brand and identity are legally protected. Exclusively ours.
VinHub™ — Patent Pending
The VinHub software system is patent pending. Available exclusively through VINAFI.