844-803-FUNDSecure submission · TLS 1.3

Cash, credit
& banking programs for the dealer floor.

Cash, credit, merchant services, and banking programs for results-driven dealerships — assembled from three decades of automotive operating experience and direct partner relationships. One principal, one underwriter, one agreement.

Funded volume
$1.89B+
Across direct programs
Advance ceiling
$20,000,000
Per qualifying dealership
Application → wire
≤ 30 days
Operating standard
Principal experience
30+ years
Dealer ownership · F&I · capital markets
I · Solutions

Four programs. One relationship.

Each program is independently powerful — and engineered to compound when combined. Every engagement runs through a single principal, a single underwriter, and a single agreement.

$
Cash
Working Capital

CASH

Up to $20,000,000 in working capital, structured against future product revenue and funded inside a thirty-day cycle.

  • Up to $20M advance per qualifying dealership
  • Funding inside 30 days from approval
  • Skip the last payment or extend the first up to 60 days
  • Direct partnerships with established lending capital
Credit
Stackable Credit

CREDIT

Zero-percent introductory business credit lines, stackable on the back of $1.89B+ already funded across the program.

  • 0% introductory business credit lines
  • Stackable structures with $1.89B+ already funded
  • Limits up to $250,000 per principal
  • Funded inside 60 days
Merchant Services
Payments

MERCHANT SERVICES

A direct relationship with a top-five processor — payment processing without the intermediary markup the industry has accepted for decades.

  • Direct relationship with a top-five processor
  • US-based account management
  • Rate-match commitment
  • Onboarded in days, not weeks
Banking
Treasury & Banking

BANKING

Depository structures and treasury services tuned to the cash-flow rhythm of a results-driven dealership at any scale.

  • DACA depository accounts with low-risk proof-of-funds posture
  • Traditional banking with preferred-customer treatment
  • Treasury services tailored to dealership cash flow
II · Our Approach

Operate like a desk — not a portal.

DFS America brings the posture of an institutional desk to a market traditionally served by call centers and marketplaces. Fewer steps, faster decisions, and capital that actually arrives.

One underwriter per file

Cash-advance engagements are reviewed end-to-end by a single underwriter, against the dealership's F&I product revenue and operating posture.

Direct relationships only

Every program routes to a direct partner the principals have built and maintained — never an aggregator, never a marketplace.

Concentration of contact

One principal carries the engagement — no call-tree, no account hand-offs, no quarterly relationship-manager rotation.

Cycle, not platform

We measure ourselves on cycle time — application to wire — not on platform features. Capital that arrives is capital that matters.

III · Account Tiers

Bundle programs. Capture the savings.

Most dealerships need more than one program. DFS rewards consolidation with three bundle tiers — each translating a multi-program engagement into measurably better economics.

Tier I

Pair

Two programs.
Setup waived.

Combine any two DFS programs at signing. Setup fees on the second engagement are waived. Common pairings: Cash + Merchant Services, or Credit + Banking.

  • Pick any two programs
  • Setup fees waived on the second program
  • Single onboarding · single point of contact
Discuss pair engagement →
Most engaged
Tier II

Trio

Three programs.
Ten-percent reduction.

Engage three programs simultaneously and lock in a 10% reduction across the entire engagement. Best fit for multi-rooftop operators consolidating financial relationships.

  • Any three programs active
  • 10% reduction across all engaged programs
  • Consolidated reporting and account management
Discuss trio engagement →
Tier III

Stack

Full operating stack.
Wholesale-tier pricing.

Activate the full DFS program stack in one operating relationship. Receive wholesale-tier pricing on every program plus dedicated relationship management.

  • All programs in one agreement
  • Wholesale-tier pricing across the stack
  • Dedicated relationship manager
  • Quarterly business review with the principals
Discuss stack engagement →
IV · Speak With a Principal

Submit a dealer inquiry.

Submit the form and a DFS America principal will respond within one business day. For urgent matters — pick up the phone and skip the form.

Direct contact desk
Direct line
844-803-FUND
(844) 803-3863
Correspondence
info@dfsamerica.com
Reply within one business day
Operating hours
Monday – Friday
9:00 AM – 6:00 PM Central
Filed from
Hoffman Estates, IL
United States
Secure submission
All data is transmitted over TLS 1.3 and reviewed only by the DFS America underwriting desk.
Engagement Form · Confidential
2026
Submissions are encrypted in transit and reviewed only by the DFS America underwriting desk.