Floor-plan, payroll and auction payments for dealers.
Floor-plan interest and curtailments tracked to the day, flat-rate tech payroll with the wage guaranty, and same-day auction wires under dual control that forfeit the car if the cutoff passes.
Auto dealer groups run several hard money problems at once: floor-plan financing that accrues interest and demands curtailment payments per vehicle, parts and service AP, a payroll model where technicians are paid flat-rate hours but guaranteed minimum wage, and auction purchases that must be wired the same day or the car is forfeit. Each has a different clock and a different failure mode.
Digital Treasury gives dealer groups one treasury layer across all of it: floor-plan positions per VIN, flat-rate payroll with the guaranty computed correctly, and time-critical auction wires under dual control. It ships as LotOps.
The money problems in Auto dealers.
Floor-plan interest and curtailments
Each financed vehicle accrues interest and requires curtailment payments on a schedule. Tracked per VIN across a large lot, it's a running total that has to be exact.
Flat-rate payroll with a wage guaranty
Technicians are paid on flat-rate hours but must clear minimum wage for hours present — a payroll calculation that's easy to get subtly wrong.
Same-day auction wires
An auction purchase must be wired by a hard cutoff or the car is forfeit — a high-value, time-critical, irreversible movement that demands controls.
How Digital Treasury solves it.
Floor-plan as ledger positions
Interest accrual and curtailment payments post per vehicle, so the floor-plan liability per VIN and in total is always a live, reconciled ledger figure.
Flat-rate payroll, computed right
Technician pay runs on flat-rate hours with the minimum-wage guaranty applied automatically, as idempotent payroll payment orders with a clean audit trail.
Auction wires under dual control
Same-day auction purchases are wires gated by dual approval against the cutoff — high-value movement with the controls the stakes require.
The configured product for Auto dealers.
LotOps is Digital Treasury for auto dealer groups — floor-plan interest and curtailments per VIN, flat-rate technician payroll with the minimum-wage guaranty, and same-day auction wires under dual control.
Auto dealers, answered.
Can you track floor-plan interest and curtailments?
Yes. Interest accrual and curtailment payments post per vehicle to the ledger, so the floor-plan liability for each VIN and across the lot is always a live, reconciled figure.
How are time-critical auction wires handled?
Auction purchases are wires gated by dual approval and run against the auction's cutoff, giving high-value, irreversible movements the controls and audit trail the stakes require.
Other markets on the same engine.
Fuel distribution
Card batches in, rack cost out, tax deducted per grade — the day settles to the cent, or it waits with the missing number named. That is the treasury layer petroleum marketers have never had.
Lending / fintech
Originate on a hold, disburse on a rail, collect on a schedule — all on one ledger that always knows the outstanding balance. Lending infrastructure without stitching three systems together.
Construction
Payment holds until the lien waiver and COI clear, retainage tracked to the cent, and every draw an approved, auditable money movement. Construction cash flow with the compliance built in.
Move money in Auto dealers on infrastructure built for it.
One API for payments, ledgering and compliance — white-labeled as LotOps, or connected to your own systems.
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