National Dealer Services
Work with experienced bankers who understand the complexities of franchised automotive dealerships.
We're here to help
Mike Hoin
- SVP, Group Head National Dealer Services
- Mike.Hoin@53.com
Dedicated to automotive dealers
Fifth Third partners with franchised automotive dealers to deliver financing, treasury management and advisory solutions designed for every stage of the dealership lifecycle. From inventory and real estate financing to capital planning and risk management, we help dealerships navigate changing market conditions and make confident decisions for the future.
Industry expertise that drives results
Automotive dealerships operate in a dynamic, capital-intensive environment shaped by evolving consumer demand, manufacturer strategies and ongoing supply chain disruption. Fifth Third brings industry expertise to help dealers manage inventory complexity, optimize working capital and navigate changing market conditions.
With experience across market cycles, we help dealerships plan for uncertainty, maintain financial flexibility and stay focused on long-term performance.
Automotive dealer expertise
No two dealerships operate the same way. Franchise alignment, brand mix, geographic footprint and revenue from vehicle sales, service, parts, and finance and insurance all influence financial performance. Fifth Third works with franchised automotive dealers across a range of operating models, including:
- New and used vehicle sales
- Service, parts and fixed operations revenue streams
- Dealer group and multilocation ownership structures
- Powersports, RV and commercial vehicle dealerships
Inventory and floorplan management
Effective inventory management remains one of the most critical and complex aspects of dealership operations. From floorplan financing and vehicle turnover to pricing pressure and manufacturer allocation changes, Fifth Third understands the financial and operational challenges dealers face in managing inventory while protecting margins and liquidity.
Original equipment manufacturer (OEM) relationships and market dynamics
Dealer performance is closely tied to OEM strategy, brand positioning and broader industry trends. Changes to manufacturer portfolios, incentives and distribution models can significantly affect dealership operations. Fifth Third helps dealers navigate these changes, adapt to evolving manufacturer strategies and plan for long-term success.
Supply chain and operational resilience
Supply chain disruption continues to influence inventory levels, pricing and customer demand across the automotive sector. Fifth Third works with dealers to manage uncertainty, align financing with inventory availability and maintain operational flexibility as market conditions evolve.
Comprehensive financial and advisory solutions
Fifth Third delivers financing, treasury management and advisory solutions that support every stage of the dealership lifecycle — from day-to-day operations to long-term growth and ownership transitions. Our team helps align capital, liquidity and operational strategy so your business can compete in a changing market.
Financing solutions
- Floorplan and inventory financing
- Working capital lines of credit
- Real estate and facility financing
- Equipment and service department financing
- Acquisition and consolidation financing
- Capital solutions for dealership expansion and multilocation growth
Treasury management
- Capital structure guidance
- Buy/sell and consolidation strategy support
- Succession and ownership transition planning
- Strategic planning aligned to OEM and market shifts
- Debt capital markets access and financing strategy
Integrated banking solutions
- Cash flow and liquidity management across high-volume operations
- Payables and receivables solutions, including integration with dealer management systems (DMS)
- Commercial card and payment solutions
- Fraud mitigation tools and controls
- Supply chain and inventory-related cash flow optimization
- Information reporting and account management
Additional Resources
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