Floor plan overview
Track your floor-plan lines of credit, attach floored vehicles, and log curtailments, interest, and payoffs by hand.
Floor plan keeps a running record of the money you owe your flooring lenders. You set up a line of credit, attach a vehicle to it with a starting balance, then log payments, curtailments, and the final payoff. The dashboard shows what's outstanding and which cars are aging.
Floor plan is a tracking ledger, not an accounting engine. It does not accrue interest automatically and it has no live connection to your lender. You enter every payment and every interest amount by hand.
Where it lives
The Floor plan page sits under Inventory in the left sidebar. Open it directly at /floor-plan.
What the dashboard shows
The Floor plan page has four parts:
- Floored vehicles / Outstanding / 90+ days — three summary cards. "Outstanding" is the sum of every active car's current balance. "90+ days" counts cars that have been floored 90 days or more (the band lenders care about); when that count is above zero it shows a small warning label.
- Aging buckets — a bar chart splitting floored cars into 0–30, 30–60, 60–90, and 90+ days. These buckets are computed fresh on every page load from each car's attach date, so they're always current.
- Upcoming curtailments (next 30 days) — scheduled curtailment payments coming due. Overdue ones show a red overdue badge.
- Lines of credit — every line you've set up, with its provider, nickname, credit limit, APR, term, and status.
Set up a line of credit
A line is the agreement with one lender: their rate, term, and how much they'll float you.
- On the Floor plan page, click Add line (top-right). From a vehicle that has no lines yet, the Floor plan card instead links to Add a line.
- Pick a Provider from the list. Providers marked (custom) are your own; the rest are the platform directory.
- Enter a Nickname (e.g. "NextGear Primary") so you can tell lines apart.
- Enter the Credit limit (e.g.
250000or250000.00). - Enter the APR (%) (e.g.
8.5), the Term (days) (e.g.90), and the Curtailment (%) (e.g.10). - Add Notes if you want, then click Add line.
The new line lands on the Floor plan page with status Active.
Term and Curtailment % drive the curtailment schedule that's built automatically when you attach a car. Curtailments are scheduled every 30 days (monthly) at the curtailment percentage of the starting balance, bounded by the term; if any principal is still owed at the end of the term, a final balloon row is scheduled at maturity.
The provider list is a fixed directory — there is no screen to add your own provider from the app yet. Pick the closest match from the list. If your lender isn't there, choose any provider and put the real lender name in the line Nickname so your records stay clear.
Attach a vehicle to a line
You floor a specific car from that car's page, not from the Floor plan page.
- Open the vehicle in Inventory and scroll to the Floor plan card.
- Click Attach to line. (If you have no lines, you'll see a link to Add a line first.)
- Choose the Line. The dropdown shows each line's provider, nickname, APR, and term so you pick the right one.
- Enter the Starting balance — the amount the lender advanced on this car (e.g.
9000.00). - Add Notes if you want, then click Attach.
When you attach, two things happen automatically:
- The car's current balance is set to the starting balance.
- A curtailment schedule is generated from the line's term and curtailment %.
A vehicle can only be on one active floor plan at a time. If it's already attached, you'll get "Vehicle already has an active floor plan." You also can't attach to a line that isn't Active.
Log payments and curtailments
On the vehicle's Floor plan card, click Record payment. Pick a Type:
- Curtailment — a scheduled paydown. If your principal covers the next scheduled curtailment in full, that curtailment is marked paid and the schedule advances. A partial amount still reduces the balance but leaves the curtailment scheduled.
- Interest — interest only. Principal must be
0.00. - Principal — an ad-hoc paydown that reduces the balance without touching the schedule.
Every payment splits into Amount, Principal, and Interest. Principal + Interest must equal Amount, or it's rejected. Amounts must be nonnegative — there are no negative payments.
There is no interest accrual. The system never calculates what interest you owe — you type the interest figure in yourself from your lender statement. Recording interest does not change the principal balance (only the principal portion reduces the balance).
Recording is double-click safe: a double-click or a timeout-then-retry reuses one key per payment, so the same payment is never posted twice. The key resets after a successful save, so the next payment is counted separately.
Pay it off
When the car sells (or you just want it clear), click Pay off on the Floor plan card and confirm. This records a payoff payment for the entire remaining balance, drops the balance to $0, and skips any remaining scheduled curtailments. The Pay off button is disabled once the balance is already $0.
When you mark a vehicle sold on its deal, an active floor plan is auto-paid-off for you — no separate step needed. (Attachments carry a "pay off on sale" setting that is on by default; it isn't exposed as a toggle in the attach form today.)
Refresh the per-vehicle "days in floor"
Each attachment caches a days in floor number (shown on the vehicle's Floor plan card). That cached value does not update on its own. On the Floor plan page, click Recompute days (next to the Aging buckets chart) to refresh the cached number for all your active attachments.
The dashboard's Aging buckets chart and the 90+ days card are computed live from each car's attach date on every page load, so they stay current without recomputing. Recompute days is what refreshes the cached per-vehicle "days in floor" figure. There is no automatic nightly job running today.
FAQ
Does it calculate the interest I owe each day?
No. Floor plan does not accrue interest. It stores the APR on the line for reference, but you enter the actual interest amount yourself when you record a payment.
Is it connected to my lender (NextGear, Westlake, etc.)?
No. There's no lender API or data feed. Every line, starting balance, payment, and payoff is entered by hand. It's a record-keeping ledger, not a live lender integration.
My lender isn't in the provider list. What do I do?
The provider directory is fixed and there's no in-app way to add your own yet. Pick the closest provider and put your real lender's name in the line Nickname so your reporting stays accurate.
Why is the per-vehicle "days in floor" not changing?
That cached number only recalculates when you click Recompute days on the Floor plan page. There's no automatic nightly job, so it can sit at its last computed value until you refresh it. (The dashboard aging buckets, by contrast, are always live.)
Why can't I attach this car to a line?
A vehicle can only have one active floor plan at a time, and the line must be Active. If the car is already floored, pay it off first.
Can I floor a car from the Inventory list or its status menu?
No. Attaching to a floor plan is done from the Floor plan card on the individual vehicle's page, not from the inventory list or the sell/status controls.
I recorded a payment wrong — can I fix it?
The payments table marks a voided payment as (voided) and dims it, but the Floor plan card does not expose a void button today. Take care entering payments, since correcting one isn't a one-click action in the app.