Indirect auto lending, floor plan financing, fast funding, and a dealer team that picks up the phone — built for dealerships that want a real lending partner, not a portal you only hear from when something’s wrong.
Indirect lending and floor plan under one roof — without the bureaucracy of a national bank.
Indirect lending and floor plan are available together or independently. Run both through one rep, one portal, one set of statements.
Submit your customer’s deal, get a real-time decision, and fund through the dealer portal. Built to compete on rate AND turnaround so you can close more of the floor.
Stock your lot with new and used inventory through a flexible RMO floor plan line. Curtailments, audits, and online inventory management built around how dealers actually run.
Submit, track, fund, and reconcile from one dashboard — with integrations into the major DMS & routing platforms.
Submit a deal, see a decision in minutes. No "we’ll get back to you tomorrow."
Live funding status, stip checklists, and document upload. Your finance manager always knows where the deal sits.
Monthly reserve statements, volume reporting, chargeback transparency, and program-level performance.
Pre-built connectors to RouteOne and Dealertrack so deals can be submitted from the system you already use.
Most dealers go from application submitted to first deal funded in under three weeks.
Submit an information request through RMO M.A.P.S and select Auto Dealer Partnership.
30-minute call with your assigned dealer development rep. We learn your floor mix, programs, and goals.
License verification, dealer agreement, portal access, and DMS integration if applicable.
Submit your first deal through the portal. Our team helps shepherd it through funding — live training, real support.
All RMO partnerships — including new dealer additions, mergers, acquisitions, and strategic relationships — route through our M.A.P.S team (Mergers, Acquisitions, Partnerships & Services). Submit an information request and select Auto Dealer Partnership; a MAPS rep will reach out within one business day.
Submission of a MAPS request is not an offer or guarantee of partnership. Dealer programs are subject to underwriting, applicable state licensing, and full review by the RMO Auto Finance and MAPS teams.
Submit deals, track funding, manage floor plan, and pull statements — all in one place.
Dealer partnerships go through RMO M.A.P.S (Mergers, Acquisitions, Partnerships & Services). Submit an information request at /maps/request-more-information/ and select Auto Dealer Partnership. We’ll review your dealership’s details, credit-tier mix, monthly volume, and licensing, and follow up within 5–10 business days.
RMO programs cover prime, near-prime, and non-prime borrowers. We support a wide credit-tier range so you can present a single lender to most of your floor without juggling multiple submissions.
Most complete deals fund within 24–48 hours of receiving final stipulations. Same-day funding is available for established partner dealers with clean stip packages.
Yes. RMO offers floor plan lines for new and used inventory at competitive rates, with flexible curtailment terms and online inventory management. Floor plan is available alongside or independent of indirect lending.
The RMO dealer portal includes deal submission, real-time decisioning, deal tracking, funding status, reserve and incentive statements, contract uploads, and reporting. Each dealer also gets a dedicated relationship manager for escalation.
There are no rigid minimums to apply, but we prioritize dealers who can run consistent monthly volume and maintain clean stip and chargeback profiles. Volume tier impacts reserve and program eligibility.
RMO Auto Finance is expanding state-by-state. Confirm current state availability and licensing during the application call.
No application fee. Dealer agreements describe any program-specific fees (e.g., floor plan audit fees) at signup. There is no recurring "partner fee" to remain in the network.
