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Do any dealers actually track floorplan interest per unit?

Mar 7, 2026
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Hey everyone — glad to finally join here. I’ve been lurking for a bit and there’s a ton of real dealership experience in these threads.

Quick intro: I’m a software developer currently working on a tool related to dealership inventory costs. I’ve been trying to understand how most stores actually handle floorplan interest operationally.

From what I’ve seen so far, lenders usually send a monthly statement showing total interest, but it doesn’t always break down what each unit has accrued.

So I’m curious:

Do any of you actually track floorplan interest per VIN or per unit?

For example:
  • seeing how much interest a specific unit has accumulated
  • seeing which units are costing the most to hold
  • factoring that into discount decisions on aging inventory

Or is that mostly something that just lives in accounting on the monthly statement?

The reason I’m asking is because I’ve been experimenting with a small tool that calculates estimated floorplan interest using inventory exports and APR inputs.

I'm not trying to pitch anything here — I'm mainly trying to understand:

• how stores actually track this today
• whether it’s useful operationally or just accounting data
• if it would even matter to sales or management

Curious how other dealerships handle this.