Automotive F&I Dealer Funding

Capital for
dealers who
move markets.

DFS America delivers tailored cash advances to automotive F&I dealers — funded fast, structured against future product revenue, with no traditional collateral required.

Request an AdvanceHow It Works
Vehicle Service Contracts◆GAP Insurance Programs◆Tire & Wheel Protection◆Prepaid Maintenance Plans◆Application to Funding in 30 Days◆No Traditional Collateral Required◆Advances up to $20,000,000◆Virtual Document Signing◆Vehicle Service Contracts◆GAP Insurance Programs◆Tire & Wheel Protection◆Prepaid Maintenance Plans◆Application to Funding in 30 Days◆No Traditional Collateral Required◆Advances up to $20,000,000◆Virtual Document Signing◆
Who We Are

A single point of
contact for your
funding program.

DFS America administers funding subscriptions from a broad investor pool. As program administrators, we provide full-service support to both our investors and the dealers who receive our advances — from acquisition and qualification through funding and ongoing servicing.

Proprietary System
Our purpose-built platform ensures accuracy, timeliness, and compliance with industry standards and governing regulations.
Full-Service Administration
We manage the entirety of the program lifecycle — one relationship, zero complexity for the dealer.
Wire Funding Next Business Day
Once documents are signed virtually, funding arrives by wire transfer the following business day.
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A trusted financial resource for the dealer community selling F&I products.

DFS America was built specifically for the automotive F&I space. We understand your business, your products, and your capital needs — which is why our program is structured around your revenue streams rather than traditional collateral requirements.

Whether you're a single-point rooftop or a multi-location dealer group, our advance programs are calibrated to fit your scale and goals.

How It Works

Four steps from
inquiry to capital.

Our streamlined process takes dealers from application to funded in 30 days or less — with full transparency at every stage.

01
Application
Tell us about your dealership, your capital requirements, your F&I product volume, and basic background information. That's all we need to get started.
02
Qualification
Our review system evaluates your application and structures a dealer advance program matched to your funding needs and budget.
03
Documents
DFS America provides fully transparent documentation. You receive a detailed Letter of Intent describing your program terms before any commitment is required.
04
Funding
Closing documents are delivered digitally for virtual signature. Wire transfer funding arrives the next business day.
Our Mission

Tailored capital for
the automotive
F&I industry.

DFS America was established to offer flexible funding solutions to any automotive reseller providing F&I products to their customers. We structure dealer advances against your product revenue — not traditional assets.

Business Expansion
Marketing Programs
Dealership Acquisition
Owner Equity Recapitalization
Working Capital & Operations
Any Program Requiring Substantial Capital
DFS

Any F&I product. Any qualifying dealer. Virtually any program.

Vehicle Service Contracts, GAP policies, Tire & Wheel, Prepaid Maintenance — if you sell it to your customers, we can structure an advance against it. Our programs serve single rooftops and dealer groups alike, with advances sized to match your business.

Start your application →
Get in Touch

Ready to explore
a dealer advance?

Hours
Monday – Friday
9:00 AM – 5:00 PM CT