A dealer sells three units on a Tuesday. Your next audit is in eleven days. By the time you find out — the money is gone.

Your audit runs every 30 days. Your risk runs every minute.

From audit cycles to real-time intelligence.

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The Exposure

Every audit cycle leaves a window. Every window has a cost.

Floor plan losses don't happen at audit time. They happen between audits — and they compound for every day they go undetected.

01 / THE AUDIT GAP

30 days of darkness

A monthly audit verifies your collateral on one day out of thirty. For the other twenty-nine, your position is an assumption — and a unit sold out of trust the morning after an audit has nearly a full cycle to disappear.

02 / THE PROOF

Tricolor happened between the checks

In September 2025, Tricolor Holdings collapsed after the same collateral was pledged to multiple lenders — sophisticated institutions absorbed losses in the hundreds of millions. Every lender involved had monitoring. None of it surfaced the problem until the money was gone.

03 / THE COST OF LAG

Detection lag is the loss

An SOT caught in hours is a collection call. An SOT caught in weeks is a charge-off, a legal file, and a recovery effort. Same exception — the outcome is decided by detection speed.

The Shift

From audit cycles to continuous intelligence.

The same portfolio. A fundamentally different posture.

Audit-Cycle Lending With Drive CI
Detection Exceptions surface at the next scheduled audit — days or weeks after the event. Exceptions detected within hours of the event.
Coverage A sample of units, verified on a single day per cycle. Every VIN in the portfolio, monitored continuously.
Verification Wait for the next site visit to confirm whether a unit is really there. Possession verified on demand, with proof — not assumption.
Evidence Reconstruct the timeline after the loss, from fragmented records. An evidence-ready record built as events happen, formatted for examiners and counsel.
Posture Reactive. The audit tells you what already went wrong. Proactive. Rising risk is visible before it becomes a loss.
How It Works

Four stages. Hours, not weeks.

Drive CI monitors every VIN in your floor plan portfolio continuously against your own ledger — and turns anomalies into decisions you can act on the same day.

Detection

Continuous portfolio monitoring surfaces sold-out-of-trust events, aging exceptions, and missing collateral within hours — not at the next audit cycle.

Verification

Ambiguous signals are verified before they reach your desk. You see confirmed exceptions — not noise, and not false accusations against good dealers.

Evidence

Every confirmed exception arrives as an evidence-ready alert: a complete, time-stamped record formatted for your credit file, your examiners, and — if it comes to that — your counsel.

Intelligence

Aging and exception patterns are visible across your portfolio as they develop — so a dealer trending toward trouble is a conversation this week, not a charge-off next quarter.

Why Drive CI

Three claims. Each one verifiable.

CLAIM 01

Continuous, not daily.

Monitoring built on daily batch updates leaves a gap between every refresh. A unit sold at 9 AM is invisible until tomorrow's file — and a dealer in trouble knows exactly how wide that window is.

Drive CI monitors continuously. There is no overnight file to wait for, and no refresh window to exploit.
CLAIM 02

Cash sales don't hide.

Clearinghouse-based monitoring captures only financed retail sales. A dealer who sells for cash generates no clearinghouse record — and cash is precisely how a dealer in distress sells.

Drive CI detects both. The transaction type doesn't determine whether you find out.
CLAIM 03

Evidence-ready from the first alert.

Most monitoring tells you something is wrong and leaves the documentation to you. The file you build in week three is weaker than the record built in hour one.

Every Drive CI exception is delivered as a complete, examiner-aligned evidence record — built as the events happen.
The Founders

Built by both sides of the floor plan.

One founder spent four decades recovering collateral for lenders. The other spent four decades on the borrower's side of the line. Drive CI exists because together they know exactly where the losses come from — and exactly how early they're visible.

Co-Founder & CEO

Emory White

The lender's side of the floor plan.

  • 40+ years in financial services
  • Inc. 5000 — five times
  • $2B+ in collateral recovered
  • Architect of a national pre-skip collateral recovery program
Co-Founder

Bruce Harrington

The dealer's side of the floor plan.

  • 40 years as a franchise dealer — on the borrower's side of the floor plan
  • Watched lenders absorb avoidable losses from the inside
  • Deep knowledge of dealer-side floor plan economics
  • Knows the behaviors that precede an SOT event — because he's seen them firsthand
Founding Lender Program

Founding Lender Program — Currently accepting applications.

Drive CI is onboarding a limited number of floor plan lenders at founding commercial terms. When those seats are filled, the terms are gone.

  • Deployment configured around your portfolio, your exceptions, and your workflow — not a one-size template.
  • Founding commercial terms, locked before general availability pricing.
  • Priority onboarding and direct access to the founding team — not a support queue.
  • First-mover position on continuous monitoring while the rest of the market waits for the next audit.

We review every application and respond within 48 hours. We are selective by design.

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The next exception in your portfolio will happen before your next audit. The question is whether you find out in hours — or in weeks.

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