text: Let me start by appologizing to you if what follows is insulting.  I am trying to be completely honest and helpful.\n\nAre there any banks which will floorplan your start-up used car lot?  Yes but ...  Many banks do not like to make floorplan loans because they are inherently risky (collateral by its nature is mobile and tends to disappear).  Many banks do not like to lend to start-up businesses because they do not have a history of success.  Many banks do not like to lend money to independent used car lots because they can be shady.  That said, I suspect you might have a hard time finding a floorplan line of credit for a start-up independent used car lot.\n\nI might suggest a loan company as opposed to a bank.  Be prepared to sign the loan personally and possibly mortgage your home as additional collateral.