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  "presentationDate": "2025-02-01 00:00:00",
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      "text": "A dealership seeking to finance its vehicle inventory with Ford Credit must submit a request for financing along with its financial and other information\nFord Credit performs a thorough review of the dealer or dealer group including:\nBusiness, legal and operations structure, including number of manufacturer franchises\nCredit information\nFinancial statements or tax returns\nTypes of vehicles in the dealer's inventory and specialty services provided by the dealer for certain vehicles or customers, such as fleet\nFord Credit evaluates the dealer's financial resources and the amount and types of financing requested\nThe financing extended to a dealer is tailored to suit the business and operational needs of the dealer and depends on the financial strength and nature of the dealer's business\nThe financed vehicles are the primary collateral for dealer floorplan loans; however, for many dealers, Ford Credit also obtains personal guarantees and secondary collateral in the form of additional dealer assets, including dealer-adjusted net worth and real estate equity\nDue to the ongoing nature of floorplan financing arrangements, Ford Credit periodically performs a credit review of each dealer, at least biennially, following the similar process utilized to evaluate new dealer account originations. Monthly financial performance data provides ongoing supplemental dealer monitoring.",
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