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.