The world’s most advanced wholesale finance platform

Whether you’re an established automotive or equipment lender, expanding into new geographies or entering the market for the first time, you need a floorplan lending platform that can grow with your business and keep meeting your needs.

SFP Wholesale provides a world-class dealer commercial lending platform, delivered through the cloud, at an affordable price with outstanding functionality and scope for integration.

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Globally recognized as the leading wholesale financing software

SFP Wholesale is designed for financial institutions, of all sizes and budgets, who want to provide world-class dealer commercial lending to automotive and equipment dealers, based on over 25 years of wholesale finance experience .

Being cloud-native, SFP Wholesale can be rapidly rolled out across markets and will scale to global level, with no set-up fees, low fixed costs and a ‘pay-per-use’ model which gives a maximum value for money and low Total Cost of Ownership.

An ‘evergreen’ solution delivered with a tailored market package providing standard third-party APIs, it will increase the productivity of your teams by enabling automated workflow implementation, helping optimize business processes to achieve low touch execution.

Cloud-native, built for wholesale
Fast time-to-market
Low cost of entry
Evergreen
High satisfaction for dealer
Part of a modular platform

Multiple asset types funded

From cars to boats to cranes, SFP Wholesale enables almost any uniquely identifiable asset to be financed.
Portfolio value

We’re a trusted partner, with highly reliable systems keeping our customers in business.
Live installations

A diverse customer base and asset set gives us the experience to deal with almost any business case.

Wholesale experience

Our track record and longstanding customer relationships show you can rely on us to support you.
Finance experts

No one has as many dealer and commercial finance industry experts as Sopra Banking Software.
Countries operating

We’re experts in delivering multi-territory, complying with currency, tax and legal requirements.

They trust us

Vero Technologies
Beequip

Vero Technologies set out to build a digitally enabled inventory financing platform for dealers of manufactured goods across the United States. The platform is designed to streamline and automate much of their (via their own in-house lender business, Lever Auto) and other financial institution’s internal administrative and servicing responsibilities, enabling teams to focus on providing better customer experience and more productive outcomes for their dealer clients.

Vero produced a list of criteria with “must-haves” for a commercial loan management system partner. After conducting an exhaustive search across the market, including evaluating the solutions of the major vendors, they selected Sopra Financing Platform’s (SFP) Wholesale, not only because they had the only cloud-based commercial lending solution that was purpose-built for asset-based financing, but further, had developed the APIs and infrastructure that would enable them to realize their vision of what they wanted to build around it.

Vero were able to go from contract signing to live launch in 12 weeks. Building the first tri-party system for asset-based financing, connecting suppliers, dealers and lenders on one platform.

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Beequip selected SFP Wholesale for their new extended venture to the used-heavy equipment market in the Netherlands.

Deployed with low set up fees and on a low commitment rolling monthly subscription, Beequip was live in 6 weeks – from first contact to fully operational and lending. Beequip had no previous experience of offering unit stocking finance and were running their leasing business on spreadsheets.

SFP Wholesale provided Beequip with a compliant low-touch IT, fast time-to-market and low-TCO platform that provides them with the ability to manage their risk portfolio effectively, all packaged and deployed as-a-Service on a scalable pay-per-use basis.

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A full range of wholesale lending capabilities

Dealer self-service

Easy to use self-service dealer portal, allowing authorised end-users to track and manage their portfolio directly from the user interface, or via API requests.
Asset & non-asset backed

Multiple loan types available, including asset & non-asset backed funding. Each arrangement can be made open, or restricted to an organisation / organisation group.
Global & localized

A configurable platform which supports multi-currency & multi-lingual setups. Different funding parameters can be set based on the market, location and overall needs.

Full audit trail

Ability to view an audit history based on users, transactions & inputs. Real-time audit data can be viewed, or downloaded, with dates and actions tracked against each entry.
Full API ecosystem

Fully functioning API suite which allows for seamless integration across platforms. Inbound and outbound requests are supported, including stock audit data feeds.
Comprehensive workflow

Separate workflow and business rule engines tailored to your needs can be used to trigger automated validation checks based on data, transactional and loan entries.