Floorplan is absolutely becoming a bigger conversation internally. The days of carrying excess inventory without concern are gone.

To answer the OP's question directly: OEM support on floorplan varies significantly by brand and the gap between the best and worst is wider than most people talk about publicly. The brands that run meaningful floorplan assistance programs, either through captive finance rate subvention or direct per-unit carrying cost support, are providing real relief on the elevated rate environment. The brands that are not have essentially shifted a meaningful operating cost increase onto dealers at the same time gross per unit is compressing. When you combine elevated floorplan rates, slower turn velocity on certain models, and reduced front-end gross, the margin math at some stores is genuinely distressed in ways that are not visible in aggregate industry numbers. The answer to whether OEMs are doing enough is no for most brands, and the dealers who are not pushing back through their associations are absorbing it silently.

OEM support on floorplan varies significantly by brand and the gap between the best and worst is wider than most people talk about publicly. When you combine elevated floorplan rates, slower turn velocity on certain models, and reduced front-end gross, the margin math at some stores is genuinely distressed. The dealers who are not pushing back through their associations are absorbing it silently.

The margin squeeze is real. Without better OEM subvention, floorplan costs will soon become unsustainable.

The floorplan burden is getting heavy, and many brands aren't providing nearly enough relief.

It’s a tough spot. Between high rates and OEMs pushing units we don't need, interest is killing the bottom line. If they don’t step up with better subvention or curtail production soon, a lot of smaller groups are going to be in serious trouble by year-end.

It’s a brutal balancing act right now. Some OEMs are living in a dream world, pushing inventory while ignoring the interest reality. Without meaningful subvention, these floorplan costs are essentially a backdoor margin cut. The gap between supportive and unsupportive brands has never been more obvious.

The interest expense is absolutely eating the bottom line right now. If OEMs don't step up with better subvention, these floorplan costs are basically a backdoor margin cut. We can’t keep carrying slow-turning inventory at these rates without more support.

It really does feel like a backdoor margin cut. If OEMs keep forcing inventory while ignoring these interest rates, they’re going to squeeze smaller dealers out of the market. We need more aggressive subvention or a serious adjustment to production levels before the year ends.

Most OEMs are not doing enough and they know it. Floorplan assistance programs exist but the thresholds and structures were designed for a rate environment that no longer exists. What I am watching at the store level is that aged unit costs are eating into front-end gross faster than any incentive program is offsetting. The dealers who are managing this best are the ones who got aggressive about turn targets six months ago and stopped letting days supply creep past 60 regardless of what allocation pushed in. The ones waiting for OEM relief are going to be waiting a while. The pressure is being absorbed at the store level because that is where it lands and that is where it will stay.

The disparity between brands is wild. Some OEMs are stepping up, but most are just letting dealers bleed. Carrying slow-moving inventory at these rates feels like a death sentence for margins. If you aren't obsessing over turn rates right now, you're essentially just working for the bank.

It really feels like a backdoor margin cut. Between high interest rates and OEMs pushing excess inventory, the math just doesn't work for smaller stores anymore. If they don’t step up with better subvention soon, we're going to see some serious distress by year-end.

Agree with the "backdoor margin cut" take. It feels like some OEMs are hiding behind outdated subvention structures while dealers bleed on interest. If you aren't ruthlessly managing your turn rates right now, the bank is making more than the house. It’s becoming unsustainable for smaller groups.

The "backdoor margin cut" analogy is perfect. OEMs are definitely leveraging their position to shift carrying costs onto the stores. If you aren’t obsessing over your turn rates and pushing back on bad allocations right now, you're essentially just writing a check to the bank every month.

The gap between brands is the real story here. Some OEMs are actually helping, while others are just letting their dealer body bleed out. It’s no longer just about selling cars; it’s about managing interest expense before it swallows the front-end gross entirely.

The "backdoor margin cut" sentiment is spot on. It’s frustrating to see OEMs push inventory while ignoring the interest reality. If they don't increase subvention soon, carrying costs will completely erase what's left of the front-end gross. We're essentially just working for the banks right now.

The "backdoor margin cut" description is spot on. It’s frustrating that some OEMs expect us to sit on bloated inventory while rates stay this high. If we aren't turning units in under 60 days, we're basically just paying the bank to store cars for the manufacturer.

It’s getting ridiculous. We’re essentially just high-paid storage lots for the OEMs. If they don’t step up with better floorplan subvention, the interest expense will keep wiping out the net. You have to be ruthless with turn rates right now, or you’re just working for the bank.

It’s definitely a backdoor margin cut. OEMs are pushing metal like it’s 2021, but the interest expense is a whole different beast now. Small groups are going to hit a wall soon if production doesn't slow or subvention doesn't increase significantly. We're essentially just paying for their overproduction.

It’s a silent killer. We’re seeing a massive divide between OEMs that value dealer health and those just dumping units. At these rates, carrying inventory is just subsidizing the manufacturer's overproduction. You have to be ruthless with turn rates or you're just working for the bank.

It really feels like we’re being squeezed. Between high rates and the pressure to take more inventory, the math is getting ugly. If you aren’t obsessing over turn rates, floorplan costs will eat your entire margin before the unit sells. OEMs need to step up or slow down.

"Backdoor margin cut" is the perfect way to put it. OEMs are dumping inventory and letting us bleed on interest. If you aren't turning units in 60 days, you’re just a glorified storage lot for the manufacturer. It’s becoming unsustainable for the smaller guys.

The "backdoor margin cut" sentiment is spot on. It feels like we're just paying for OEM overproduction. If you aren't obsessed with turn rates right now, you’re basically running an expensive storage facility for the bank. It’s becoming unsustainable, especially for the smaller stores.

Spot on with the "backdoor margin cut" take. It’s wild how some OEMs expect us to sit on heavy inventory while rates are through the roof. If you aren't turning units in 45 days, you're basically just writing a monthly check to the bank.

The "backdoor margin cut" analogy is spot on. It’s exhausting to watch interest expense swallow the front-end gross. If you aren’t obsessing over your turn rates and pushing back on bad allocations, you’re basically just running an expensive storage lot for the manufacturer right now.

Totally agree that this is a backdoor margin cut. Carrying slow-turning inventory at these rates is basically just working for the bank. If you aren't obsessing over your turn rate right now, you're in trouble. OEMs need to realize this isn't 2021 anymore.

The "backdoor margin cut" analogy hits home. It’s frustrating to see OEMs push inventory while ignoring the interest reality. If you aren't ruthlessly managing your turn rates, floorplan costs will eat your front-end gross before you even find a buyer. It’s becoming unsustainable for smaller stores.

The "backdoor margin cut" analogy is 100% accurate. Between high rates and OEMs pushing units, floorplan interest is a silent killer for the bottom line. If you aren't obsessing over turn rates right now, you're basically just running an expensive storage lot for the bank.

The "backdoor margin cut" sentiment is spot on. It’s brutal watching interest eat the front-end gross while OEMs keep pushing allocations. If you aren't obsessing over your turn rates and moving units in under 60 days, you're basically just running an expensive storage lot for the bank.