COMMERCIAL LENDING SERVICES
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1 COMMERCIAL LENDING SERVICES
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3 WE RE HERE TO HELP YOU ACCELERATE YOUR BUSINESS. As the captive finance company and wholly owned subsidiary of General Motors, GM Financial is a world-class organization with the horsepower to drive your business. GM Financial s Commercial Lending program supports GM dealers and provides flexible financing and insurance solutions to help you succeed. COMMERCIAL LENDING SERVICES 1
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5 FLOORPLAN PROGRAM GM Financial gives you floorplan financing and insurance options for your new, used, demo or rental inventory, without restrictions other lenders have. NOTE: GM Financial may allow extensions for matured inventory subject to monthly curtailments. Floorplan credit lines are discretionary in nature and can be amended or withdrawn at any time. Standard Floorplan Parameters Vehicle Type Advance Maturity Curtailments New Vehicles 100% of invoice Payoff due when balance reaches $5,000 5% of the original amount financed per month beginning in month 13 New Demo Vehicles 100% of invoice Payoff due when balance reaches $5,000 2% for the first 12 months in service; 5% beginning in month 13 Used Vehicle and Auction Purchases 100% of auction price or wholesale value Payoff due when balance reaches $5,000 5% of the original amount financed per month beginning in month 7 Used Demo Vehicles 100% of wholesale value Payoff due when balance reaches $5,000 2% for the first 6 months in service; 5% beginning in month 7 Service Rental/ Service Loaner 100% of invoice or wholesale value Payoff due when balance reaches $5,000 Same as either the New Demo or Used Demo schedules COMMERCIAL LENDING SERVICES 3
6 FLOORPLAN PROGRAM BENEFITS Maximize your Dealer Dividends GM Financial floorplan dealers earn Dealer Dividends at twice the rate as non-floorplan dealers. A cash-out option is available for floorplan dealers. No retail penetration Increased customer retention As the exclusive subvented lease provider for GM, we are focused on returning the customer to your dealership and the GM brand. Faster funding Our FastTrack contract funding option allows for quicker retail funding. Dealer floorplan rates are not tied to retail penetration. Reduced buy fees GM Financial floorplan dealers receive reduced buy fees for purchases on GMFDealerSource.com. We were with our previous floorplan source for 30 years, so when it came time to transferring to a new floorplan lender, we had a tough decision to make. The impact on our bottom line sealed the deal we put pencil to paper and realized we could save half a million annually in interest alone." Kathy McCamy, Chief Financial Officer (Opposite, pictured with Paul Lynch, General Sales Manager) DePaula Chevrolet, Albany, New York 4
7 COMMERCIAL LENDING SERVICES 5
8 DEALER LOAN PROGRAM Expand, enhance or modernize your dealership with a GM Financial dealer loan. Whether it s Essential Brand Elements (EBE), real estate purchases, revolving lines of credit or shop equipment, GM Financial offers flexible terms, amortization and payment options. Loan Type Term Amortization Comments / Restrictions Term Up to five years Up to five years Revolving Line of Credit Real Estate: Construction Real Estate: Permanent One year Interest only months Interest only <$100k up to three-year term >$100k up to five-year term Credit line detemined by borrower s available security Up to 80% of land and 100% of hard construction costs Up to five years Up to 20 years Up to 80% of appraised value 6
9 GM Financial helped me fund my EBE renovation with its suite of loan products. While there were a lot of plan changes and pain points during my construction project, GM Financial was the one constant that I could count on during the entire process. I am very happy that I chose to do business with GM Financial." Robert Morris, Dealer Principal Morris Buick GMC Cadillac North Olmstead, Ohio COMMERCIAL LENDING SERVICES 7
10 FLOORPLAN INSURANCE PROGRAM Protect your dealership and your assets with floorplan insurance from GM Financial. Features of our program include: GM-supported program Comprehensive and blanket collision coverage for new, demonstrator, service loaner and used floorplan inventory Deductibles from $1,000-$5,000 Make only one monthly payment premiums are included in your monthly floorplan statement Physical damage policy features: Spot delivery Credit identity fraud Emergency inventory relocation assistance False pretense Economic loss coverage Wind/hail aggregate deductible 8
11 I had a large hail claim shortly after signing up with the GM Financial floorplan insurance program. I couldn t be happier with the speed and professionalism with which the adjusters took care of my claim. I would definitely recommend GM Financial s floorplan insurance program." CASH MANAGEMENT PROGRAM Our flexible cash management program helps to reduce your floorplan expense, while maintaining liquidity, by allowing you to: Use excess cash to offset monthly floorplan interest Offset up to 50% of your floorplan outstandings Frank Laskaris, President and CEO Cadillac of Naperville, Illinois COMMERCIAL LENDING SERVICES 9
12 ACCESS YOUR COMMERCIAL LENDING INFORMATION ONLINE GM Financial s Dealer Access System (DAS) is an innovative online portal that provides GM Financial dealers with real-time account and payment information. You can also review reports and generate critical management data, including available credit, outstanding balances and inventory aging information. 10
13 COMMERCIAL LENDING SERVICES 11
14 READY TO PUT YOUR DEALERSHIP IN HIGH GEAR? We're ready to help you get started. Talk to your Dealer Relationship Manager, or visit dealers.gmfinancial.com. Contact Commercial Lending Services directly at or by calling
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16 2016 General Motors Financial Company, Inc. GM Financial and the GM logo are trademarks of General Motors LLC, used with permission. CLS-A-0316
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