Dealer Inventory Financing: How African Dealers Unlock Liquidity
Why inventory ties up so much capital for African car dealers — and how vehicle-backed financing turns stock into working capital in hours.
Dealer Insights · · 9 min read · By Carbin Africa Editorial
The biggest constraint on African dealer growth in 2026 is trapped capital. A mid-sized Lagos dealer running 30 units at ₦18M average sits on roughly ₦540M of working capital locked inside inventory that is technically for sale but operationally idle.
How CarFlex unlocks dealer liquidity
A dealer pulls vehicles from their lot into CarFlex: inspection, offer at up to 60% LTV, professional custody, and disbursement in as fast as 2 hours. As units sell, the corresponding advance is repaid. The lot stays full, the capital becomes usable — and the dealer can finally fund the next sourcing run, marketing push, or larger-ticket unit without depleting cash reserves.
Read the full article on Carbin Africa →
Build with Carbin. Ready to unlock capital from your vehicle? Explore CarFlex — financing in as fast as 2 hours, up to 60% LTV, with full institutional custody. Or talk to our team.