Work Here?
Overview
Kinetic Advantage provides floor plan financing for independent used car dealerships across the United States. It offers a line of credit specifically for purchasing vehicle inventory, allowing dealers to keep cash available for other operations. Advances can be up to 100% of a vehicle’s purchase price and funding supports inventory from auctions, trade-ins, and dealer-to-dealer purchases. The company distinguishes itself through a partnership-based model with dedicated local support, industry veteran leadership, and technology-enabled processes, including Kinetic+ a monthly subscription that grants access to One Auction View (OAV), a platform to search multiple digital marketplaces for inventory. Revenue comes from interest and fees on credit lines. The goal is to provide a transparent, flexible, and dealer-focused financing option, expand origination capacity, and help independent dealers source and acquire inventory efficiently while maintaining cash flow.
About Kinetic Advantage
Industries
Automotive & Transportation
Fintech
Financial Services
Company Size
51-200
Company Stage
Debt Financing
Total Funding
$225M
Headquarters
Carmel, Indiana
Founded
2020
Simplify's Take
What believers are saying
- MUFG $225M facility (Jan 2026) and Carlyle investment expand origination capacity significantly.
- Second securitization (late 2025) validates loan portfolio and establishes repeatable capital markets funding.
- Partnership ecosystem with major auto auctions strengthens dealer relationships and cross-promotional opportunities.
What critics are saying
- NextGear Capital undercuts pricing with 95% advances, eroding market share among cost-sensitive dealers.
- Used vehicle wholesale prices dropped 15% from EV oversupply, slashing collateral values dangerously.
- Federal Reserve rate hikes to 6.5% double borrowing costs and suppress dealer inventory demand.
What makes Kinetic Advantage unique
- Founded by NextGear Capital veterans with deep dealer relationships and industry credibility.
- Kinetic+ subscription service with One Auction View creates recurring revenue beyond interest income.
- Real-Time Intelligent Auditing System provides proprietary compliance and risk management technology.
Help us improve and share your feedback! Did you find this helpful?
Funding
Total Funding
$225M
Above
Industry Average
Funded Over
1 Rounds
Benefits
Remote Work Options
Flexible Work Hours
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↑ 0%2 year growth
↑ 0%Kinetic Advantage secures $225 million credit facility with MUFG. Posted Sunday, February 8, 2026 7:00 am News Release Kinetic Advantage, an independent automotive floorplan financing company headquartered in Carmel, announced that it has secured a $225 million credit facility with MUFG to support the continued growth of its independent dealer floorplan business. The facility closed Jan. 9, 2026, following Kinetic Advantage's second securitization completed in late 2025. The transaction is backed by loans to independent auto dealers. The credit facility was designed specifically to address the financing needs of independent dealerships and provides Kinetic Advantage with additional capital capacity to support dealer growth initiatives in 2026 and beyond. "We are very pleased to establish a relationship with MUFG," said Marty McFarland, CEO of Kinetic Advantage. "MUFG's deep experience in the floorplan business is evident in the structure of this facility, which significantly expands our ability to support independent dealers and execute on our growth strategy." "This transaction meaningfully increases our capacity to support dealer growth while strengthening the foundation for continued expansion," said Adam Galema, senior vice president of finance at Kinetic Advantage. The facility complements Kinetic Advantage's recently completed securitization and strategic investment from Carlyle, along with continued sponsorship from Altamont Capital Partners, positioning the company for continued expansion in the independent dealer floorplan market. Founded in 2020 by former leaders of Dealer Services Corporation, NextGear Capital and Automotive Finance Corporation, Kinetic Advantage partnered with Altamont Capital Partners to launch an independent floorplan company focused on providing inventory financing solutions to independent dealers nationwide. TCG Capital Markets, L.L.C. served as structuring agent for the transaction.
Kinetic Advantage, an independent automotive floorplan financing company, has secured a $225 million credit facility with MUFG to support its dealer growth initiatives. The facility closed on 9 January 2026, following the company's second securitisation in late 2025. The transaction is backed by loans to independent auto dealers and complements Kinetic Advantage's recent strategic investment from Carlyle and continued sponsorship from Altamont Capital Partners. Founded in 2020 by former leaders of Dealer Services Corporation, NextGear Capital and Automotive Finance Corporation, the company provides inventory financing solutions to independent dealerships nationwide. CEO Marty McFarland said the facility significantly expands the company's ability to support independent dealers and execute its growth strategy. TCG Capital Markets served as structuring agent for the transaction.
Kinetic Advantage has partnered with Carlyle, receiving a strategic investment and a multi-year forward flow commitment to enhance its automotive floorplan financing. This collaboration aims to boost Kinetic's origination capacity and provide innovative financing solutions for US dealers. Carlyle ABF, part of Carlyle's Global Credit platform, led the transaction. Carlyle manages $465 billion in assets as of June 30, 2025. Stephens Inc. served as Kinetic's exclusive financial advisor.
Kinetic was awarded $8.2 million through the RDOF program for the fiber expansion project.
This summer, floorplan financing company Kinetic Advantage partnered with independent auto auctions across the United States on volunteer projects to give back to local communities, including fighting hunger, supporting women in crisis, and bringing resources to nonprofits. Through collaborations with auctions like DAA Seattle, Metro Auto Auction Phoenix, AutoNation Orlando auction, Carolina Auto Auction, and Metro Auto Auction Dallas, Kinetic Advantage made a difference and plans to continue teaming up with auctions nationwide on community service efforts. The volunteer initiatives raised money, packed food, distributed pantry bags, and supported women's shelters.CARMEL, Ind., Sept. 18, 2023 /PRNewswire-PRWeb/ -- During the summer of 2023, Kinetic Advantage the fastest-growing floorplan company in the industry collaborated with independent automotive auctions across the United States on volunteer projects that gave back to their local communities.The team effort started in early June, when Kinetic joined the annual Helping Hands Auction at DAA Seattle hosted by McConkey Auction Group where during the event a total of $60,000 was raised for the Auburn Food Bank, The Arc of King County and Adult and Teen Challenge."At McConkey Auction Group, it is our mission to provide superior vehicle remarketing services and establish long-term relationships; our success allows us to serve the greater community through our ethical, socially conscious and financially strong company," says Chris Bradley, Business Development for McConkey Auction Group. "This is why our yearly Helping Hands Auction at DAA Seattle is so important to McConkey Auction Group. Through the years, our business partners have had direct involvement in helping us raise funds during this particular sale and this year we welcomed Kinetic Advantage to our fundraising family!"Next in July, Kinetic partnered with Metro Auto Auction Phoenix to pack over 1,900 emergency food boxes for St
Kinetic Advantage is Hiring for 1 Jobs on Simplify!
Find jobs on Simplify and start your career today
About Kinetic Advantage
Industries
Automotive & Transportation
Fintech
Financial Services
Company Size
51-200
Company Stage
Debt Financing
Total Funding
$225M
Headquarters
Carmel, Indiana
Founded
2020
Kinetic Advantage is Hiring for 1 Jobs on Simplify!
Find jobs on Simplify and start your career today