A dealer sells three units on a Tuesday. Your next audit is in eleven days. By the time you find out — the money is gone.
From audit cycles to real-time intelligence.
Floor plan losses don't happen at audit time. They happen between audits — and they compound for every day they go undetected.
A monthly audit verifies your collateral on one day out of thirty. For the other twenty-nine, your position is an assumption — and a unit sold out of trust the morning after an audit has nearly a full cycle to disappear.
In September 2025, Tricolor Holdings collapsed after the same collateral was pledged to multiple lenders — sophisticated institutions absorbed losses in the hundreds of millions. Every lender involved had monitoring. None of it surfaced the problem until the money was gone.
An SOT caught in hours is a collection call. An SOT caught in weeks is a charge-off, a legal file, and a recovery effort. Same exception — the outcome is decided by detection speed.
The same portfolio. A fundamentally different posture.
| Audit-Cycle Lending | With Drive CI | |
|---|---|---|
| Detection | Exceptions surface at the next scheduled audit — days or weeks after the event. | →Exceptions detected within hours of the event. |
| Coverage | A sample of units, verified on a single day per cycle. | →Every VIN in the portfolio, monitored continuously. |
| Verification | Wait for the next site visit to confirm whether a unit is really there. | →Possession verified on demand, with proof — not assumption. |
| Evidence | Reconstruct the timeline after the loss, from fragmented records. | →An evidence-ready record built as events happen, formatted for examiners and counsel. |
| Posture | Reactive. The audit tells you what already went wrong. | →Proactive. Rising risk is visible before it becomes a loss. |
Drive CI monitors every VIN in your floor plan portfolio continuously against your own ledger — and turns anomalies into decisions you can act on the same day.
Continuous portfolio monitoring surfaces sold-out-of-trust events, aging exceptions, and missing collateral within hours — not at the next audit cycle.
Ambiguous signals are verified before they reach your desk. You see confirmed exceptions — not noise, and not false accusations against good dealers.
Every confirmed exception arrives as an evidence-ready alert: a complete, time-stamped record formatted for your credit file, your examiners, and — if it comes to that — your counsel.
Aging and exception patterns are visible across your portfolio as they develop — so a dealer trending toward trouble is a conversation this week, not a charge-off next quarter.
Monitoring built on daily batch updates leaves a gap between every refresh. A unit sold at 9 AM is invisible until tomorrow's file — and a dealer in trouble knows exactly how wide that window is.
Drive CI monitors continuously. There is no overnight file to wait for, and no refresh window to exploit.Clearinghouse-based monitoring captures only financed retail sales. A dealer who sells for cash generates no clearinghouse record — and cash is precisely how a dealer in distress sells.
Drive CI detects both. The transaction type doesn't determine whether you find out.Most monitoring tells you something is wrong and leaves the documentation to you. The file you build in week three is weaker than the record built in hour one.
Every Drive CI exception is delivered as a complete, examiner-aligned evidence record — built as the events happen.One founder spent four decades recovering collateral for lenders. The other spent four decades on the borrower's side of the line. Drive CI exists because together they know exactly where the losses come from — and exactly how early they're visible.
The lender's side of the floor plan.
The dealer's side of the floor plan.
Drive CI is onboarding a limited number of floor plan lenders at founding commercial terms. When those seats are filled, the terms are gone.
We review every application and respond within 48 hours. We are selective by design.
The next exception in your portfolio will happen before your next audit. The question is whether you find out in hours — or in weeks.
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