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      "text": "Ford Credit has been financing dealer vehicle inventory since 1959 and securitizing floorplan receivables since 1991\nFord's goal is to maintain a profitable network of Ford and Lincoln dealerships that deliver an innovative and engaging sales and service experience for customers. As of December 2023, in the U.S., Ford and Lincoln had approximately 3,100 dealers\nOver the past five years, Ford Credit financed 71% to 76% of U.S. Ford and Lincoln dealer new vehicle inventory\nFloorplan receivables are secured primarily by the financed vehicles, and payment is required when the vehicle is sold\nFord Credit's floorplan portfolio has historically experienced very low losses, primarily driven by strong risk management practices and servicing:\nContinuous dealer monitoring of financial health, payment performance, vehicle collateral status and risk-based on-site inventory audits\nUse of proprietary risk rating assessment and behavioral scoring models\nProactive risk management practices which include intensifying risk management actions as dealer risk increases\nLeveraging access to dealer information through Ford relationship",
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