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# Floor Plan/Inventory Finance

## Help grow sales, mitigate risk, and accelerate growth through inventory financing

WF Inventory Finance brings together the benefits of outstanding customer service, extensive industry experience, and comprehensive financial services to serve the inventory financing needs of vendors (original equipment manufacturers and distributors) and their related dealers across our regions in the U.S., Canada, and Europe. Our global scale and broad industry experience allows us to provide customers with actionable insights and a true competitive advantage. We have domain experience in the following industries:

- Marine
- Motorsports
- Outdoor products
- Agriculture
- Recreational vehicles
- Electronics & appliances

## What is inventory financing?

Inventory financing (also known as floorplan financing) provides an efficient, uninterrupted flow of inventory through the distribution channel, allowing our customers to focus on growing sales.
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## How does inventory financing work?

### Step 1: Dealer

Dealer orders inventory directly from the vendor.

### Step 2: Vendor

Vendor ships inventory and then sends invoice to WF.

### Step 3: WF

WF pays vendor and sends statement to dealer.

### Step 4: Dealer

Dealer makes payments to WF Inventory Finance.
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## Potential benefits of floorplanning

### Potential benefits to vendors

- Immediate funding and improved days sales outstanding balance sheet ratio
- Mitigate or eliminate credit risk
- Reduce/eliminate collection expense
- Tailored programs, processes, and reporting
- Automated electronic data transmission and 24/7 online account management and analytical tools

### Potential benefits to dealers

- Optimal inventory stocking levels
- Extended repayment terms on inventory purchases often subsidized by the manufacturer and distributor
- Improve cash flow and liquidity
- Adequate credit lines
- Responsive and personal account management with 24/7 access to online customer system and analytical tools

## Gain the WF advantage

As part of WF, we can provide access to a breadth of products and services to help meet your needs. WF’s exceptional capital strength, solid long-term credit ratings, and industry experience can help your company reach its vision for the future.

### Dealer Online Credit Application

Apply now >

### Customer Online Management System

With COMS, you can make payments, manage inventory, and more.

Visit COMS >

### Contact us

U.S. Dealers:

- 800-254-6695 or SPGmailbox@#

Canada Dealers:

- 888-609-5550 or CDFCanadaInsideSales@#

European Dealers:

- InventoryFinanceEurope@#

Original Equipment Manufacturers/Distributors:

- jeff.s.mcdermott@#

## Our regions and languages

- Danish (PDF)
- Dutch (PDF)
- Finnish (PDF)
- French (PDF)
- French Canadian (PDF)
- German (PDF)
- Italian (PDF)
- Norwegian (PDF)
- Spanish (PDF)
- Swedish (PDF)

## Floorplan reference rate, Australia

Floor plan reference rate 10.0403% per annum
Effective as of 1 December 2025, Website last updated 10 Dececmber 2025

1 month Bank Bill Swap Bid Rate (BBSY) :
BBSY 1M 1 November: 3.5926%
BBSY 1M 1 December: 3.5975%

## Floorplan reference rate, New Zealand

Floor plan reference rate 9.6550% per annum
Effective as of 1 December 2025, Website last updated 10 December 2025

1 Month Bank Bill Reference Rate (BKBM) :
1 Month Bank Bill Reference Rate 1 November: 2.5850%
1 Month Bank Bill Reference Rate 1 December: 2.4050%

Subject to change without notice

Should the BBSY fall below zero, the BBSY shall be deemed to be zero when calculating the CDF Reference Rate Australia and no further movement in the BBSY will be applied to the CDF Reference Rate until such time as the BBSY moves above zero again.

Should the BKBM fall below zero, the BKBM shall be deemed to be zero when calculating the CDF Reference Rate New Zealand and no further movement in the BKBM will be applied to the CDF Reference Rate until such time as the BKBM moves above zero again.

Products and services require credit approval. In the United States and Canada, certain inventory financing (floor planning), working capital financing, and accounts receivable financing services are provided by WF & Company and its subsidiaries, including WF Commercial Distribution Finance, LLC, WF Capital Finance, LLC, WF Bank, N.A., WF Vendor Financial Services, LLC, WF Financial Leasing, Inc., WF Equipment Finance, Inc., WF Capital Finance Corporation Canada, and WF Equipment Finance Company.

WF Bank, N.A. Member FDIC is a bank affiliate of WF & Company. WF Bank, N.A. is not liable or responsible for the obligations of its affiliates.

WF International Finance (Australia) Pty Ltd is a subsidiary of WF & Company, a company that is not authorised by the Australian Prudential Regulation Authority (APRA) as Authorised Deposit taking Institutions (ADIs) in Australia or licensed or regulated by the Australian Securities and Investments Commission (ASIC) as Australian Financial Services Licence holders.

WF International Finance (New Zealand) Limited is a subsidiary of WF & Company, a company that is not registered with, licensed or regulated by the Reserve Bank of New Zealand (RBNZ) as a registered bank or a non-bank deposit taker in New Zealand.

RO-5065464

LRC-1225

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