How it works
01
Set up a facility
02
Draw down per car
03
Sell and settle
04
Use your limit again
Dealer Floor Stock Pricing
Keep your showroom stocked without tying up your working capital. HS Financing funds the cars you buy for resale, so you can act when the right stock comes along.
1. Set up a facility: tell us about your business. We review it and agree a facility limit with you (assessed case by case).
2. Draw down per car: when you buy a car for stock, we fund up to 90% of its agreed value.
3. Sell and settle: when the car is sold, you repay what was drawn for it, or within a maximum of 90 days if it has not sold.
4. Use your limit again: settled amounts become available again for your next purchase.
Eligibility: dealers trading for at least 1 year. Documents: business profile and company bank statements.
INTEREST RATE
1.0%–1.6% per month
Interest Rates
Interest of 1.0%–1.6% per month, charged only on drawn amounts.
Admin & Fees
An admin fee of S$200 applies. All terms are set out in writing before you sign.
Why Dealers Choose Us
Specialized floor stock financing designed to support your business growth with human-led credit decisions.
Decisions by People
Facilities and drawdowns are reviewed by our team, who understand how the used-car trade works.
Flexible Drawdowns
Access up to 90% of your car's agreed value per unit, allowing you to fund your inventory without upfront capital strain.
Clear Paperwork
Terms in writing, with no surprises at settlement.